Lake County property record for 37405 Oak Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,374 sqft · built 1960 |
| Lot Size | 0.57 acres (24,817 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Jul 2016) |
| Tax Bill | $1,816 (2024) |
| Deeds & Mortgages | Dec 2022 Mortgage May 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-18-26-0500-000-11000 |
| Primary APN | 25-18-26-0500-000-11000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,374 sqft Living Area |
| 1st Floor Area | 1,374 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 24,817 sqft (0.57 acres) |
| Lot Dimensions | 240 ft deep x 75 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 | Finished/Open Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1498201 |
|---|---|
| Street Address | 37405 OAK LN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | THREE LAKES SUB THIRD ADD LOT 110 1/28TH INT IN LOT 35A & LOT 114A PB 14 PG 65 ORB 4805 PG 1541 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 25 |
| Legal Subdivision | THREE LAKES SUB THIRD ADD |
| Legal Tract | 0500 |
| Legal Lot Number | 110 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3100 |
| Census Tract | 30110 |
Source: Lake County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 37405 OAK LN, UMATILLA, FL 32784-7526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 12, 2018 | Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2016 · Amount on Record |
| Deed Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 201671541 |
| Deed Book / Page | 4805 / 1541 |
| Prior Transfer Date | May 28, 2008 |
| Prior Transfer Doc | 0036351240 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37405 OAK LN, UMATILLA, FL 32784-7526 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 37405 OAK LN, UMATILLA, FL 32784-7526 |
| Document Number | 0060591427 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 6059/1427 |
| Instrument | 2022154351 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 37405 OAK LN, UMATILLA, FL 32784-7526 |
| Document Number | 0051301604 |
| Instrument Date | May 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 37405 OAK LN UMATILLA FL 327847526, UMATILLA, FL 32784-7526 |
| Document Number | 0051301604 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 005130/001604 |
| Instrument | 74214 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2048 |
| Rate | 3.5% |
|---|
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 | $123,430 (+2.89%) | $246,363 (-) Land $85,100 Building $161,263 | |
| 2025 | $119,960 (+5.98%) Land $85,100 Building $34,860 | $246,363 (+32.03%) Land $85,100 Building $161,263 | |
| 2024 | $1,816.00 (+15.45%) | ||
| 2023 | $1,573.00 (+13.25%) Homeowner's exemption | $113,190 (+2.99%) | $186,597 (-) Land $40,848 Building $145,749 |
| 2022 | $1,389.00 Homeowner's exemption | $109,900 | $186,597 Land $40,848 Building $145,749 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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