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38142 Heron Dr, Umatilla, FL 32784 Property Records

Lake County property record for 38142 Heron Dr, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,195 sqft · built 2002
Lot Size1.96 acres (85,762 sqft)
OwnerIndividual Name on File
Last Sale$575,000 (Sep 2024)
Tax Bill$760 (2024)
Deeds & MortgagesMar 2021 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN20-18-27-1000-000-04000

Property Details

APN / Parcel Number

Primary APN20-18-27-1000-000-04000
Alternative APN
  • 3555805

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,195 sqft Living Area
1st Floor Area2,195 sqft
Fireplaces1 Fireplace
FireplaceSingle

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2023
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area85,762 sqft (1.96 acres)
Garage TypeFinished
Garage Area650 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area300 sqft
PorchOpen Porch
Porch Area671 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3555805
Street Address38142 HERON DR
CityUMATILLA
StateFL
Zip32784-7402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE DALHOUSIE ESTATES LOT 40 PB 31 PGS 22-27 ORB 6403 PG 1961
Legal Range27E
Legal Township18S
Legal Section20
Legal SubdivisionLAKE DALHOUSIE ESTATES
Legal Tract1000
Legal Lot Number40
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2040
Census Tract30109

Owner

38142 Heron Dr is owned and occupied by an individual who bought it in September 2024.

Source: Lake County records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address38142 HERON DR, UMATILLA, FL 32784-7402
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 15, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Aug 28, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2024 · Amount on File
Deed SaleSep 24, 2024 · Amount on File
Prior SaleJul 19, 2024 · Amount on File
Deed Document Number2024112672
Deed Book / Page6403 / 1961
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address38142 HERON DR, UMATILLA, FL 32784-7402
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address38142 HERON DR, UMATILLA, FL 32784-7402

Mortgage

Document Number0056640431
DateMar 15, 2021
Book Page5664/431
Instrument2021035012
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount on Record
Term354 Months
DueSep 1, 2050

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address38142 HERON DR, UMATILLA, FL 32784-7402
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055322268
DateAug 28, 2020
Book Page5532/2268
Instrument2020094903
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount on Record
Term359 Months
DueJul 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$366,274 Land $182,750 Building $183,524$502,394 Land $182,750 Building $319,644
2024$760.00 (+33.33%)
2023$570.00 (+41.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$325,690 (+3%)$406,099 (+2.77%) Land $129,000 Building $277,099
2022$403.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$316,210$395,136 Land $118,250 Building $276,886

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38142 Heron Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 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

Wildfire risk around 38142 Heron Dr is moderate, ranking above 62% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Open Infra
Fiber		8,000 / 8,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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