Lake County property record for 37325 Oak Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,426 sqft · built 1962 |
| Lot Size | 0.447 acres (19,457 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $233,000 (Aug 2019) |
| Tax Bill | $3,213 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2019 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-18-26-0500-000-10700 |
| Primary APN | 25-18-26-0500-000-10700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,426 sqft Living Area |
| 1st Floor Area | 1,926 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick/Concrete Block Stucco |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 19,457 sqft (0.447 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| View / Lot | Lake Front |
| Garage Type | Carport |
| Garage Area | 260 sqft |
| Carport | Carport |
| Carport Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 1,144 sqft |
| Utility Building | 1,470 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1691320 |
|---|---|
| Street Address | 37325 OAK LN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | THREE LAKES SUB THIRD ADD LOT 107 PB 14 PG 65 ORB 5329 PG 1777 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 25 |
| Legal Subdivision | THREE LAKES SUB THIRD ADD |
| Legal Tract | 0500 |
| Legal Lot Number | 107 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3100 |
| Census Tract | 30110 |
37325 Oak Ln is owned and occupied by two individuals who bought it in August 2019.
Source: Lake County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Aug 21, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Jul 31, 2018 | Warranty Deed, Construction Loan · Line of Credit EQUITYMAX |
| Jul 31, 2018 | Quit Claim Deed, Transfer · Line of Credit EQUITYMAX |
| Jul 31, 2018 | Quit Claim Deed, Transfer NORTH AMERICAN TITLE |
| Jun 20, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2019 · Amount on File |
| Deed Sale | Aug 21, 2019 · Amount on File |
| Prior Sale | Jul 31, 2018 · Amount on File |
| Deed Document Number | 201994492 |
| Deed Book / Page | 5329 / 1777 |
| Prior Transfer Date | Jul 25, 2018 |
| Prior Transfer Doc | 0051470596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0061952074 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 6195/2074 |
| Instrument | 2023100162 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 21, 2019 |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0053291777 |
| Book / Page | 005329 / 001777 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 94492 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,631.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 37325 OAK LN UMATILLA FL 327849231, UMATILLA, FL 32784-9231 |
| Document Number | 53291779 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 005329/001779 |
| Instrument | 94493 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1400 VETERANS UNITED DR, COLUMBIA, MO 65203-3001 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0051470600 |
| Book / Page | 005147 / 000600 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 88495 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 21, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $875.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 37325 OAK LN UMATILLA FL 327849231, UMATILLA, FL 32784-9231 |
| Document Number | 51470602 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 005147/000602 |
| Instrument | 88496 |
| Name | EQUITYMAX |
|---|---|
| Type | Funding / Finance Company |
| Address | FORT LAUDERDALE, FL 33308 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Jul 30, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0051470598 |
| Book / Page | 005147 / 000598 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 88494 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 37325 OAK LN UMATILLA FL 327849231, UMATILLA, FL 32784-9231 |
| Document Number | 51470602 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 005147/000602 |
| Instrument | 88496 |
| Name | EQUITYMAX |
|---|---|
| Type | Funding / Finance Company |
| Address | FORT LAUDERDALE, FL 33308 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Jul 30, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0051470596 |
| Book / Page | 005147 / 000596 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 88493 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 37325 OAK LN UMATILLA FL 327849231, UMATILLA, FL 32784-9231 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 20, 2018 |
| Property Address | 37325 OAK LN, UMATILLA, FL 32784-9231 |
| Document Number | 0051271551 |
| Book / Page | 005127 / 001551 |
| Instrument Date | Jun 16, 2018 |
| Instrument | 71594 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1520 BLACK BEAR CT APOPKA FL 327123861, APOPKA, FL 32712-3861 |
The 2025 property tax bill for 37325 Oak Ln was $3,213 with exemptions applied, up 2.6% from the year before.
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $231,300 (+2.9%) | $293,785 (-0.01%) Land $74,000 Building $219,785 | |
| 2025 | $3,213.00 (+2.62%) Homeowner's exemption Veteran's exemption | $224,790 Land $74,000 Building $150,790 | $293,827 Land $74,000 Building $219,827 |
| 2024 | $3,131.00 (+10.44%) | ||
| 2023 | $2,835.00 (+6.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $212,100 (+3%) | $231,734 (+0.02%) Land $35,520 Building $196,214 |
| 2022 | $2,650.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $205,930 | $231,692 Land $35,520 Building $196,172 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37325 Oak Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 37325 Oak Ln is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EUSTIS, CITY OF (4 WTPS) serves 39,721 people · EPA ID FL3350346 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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