Lake County property record for 38166 Heron Dr, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,608 sqft · built 2019 |
| Lot Size | 2.57 acres (111,965 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,000 (Oct 2018) |
| Tax Bill | $760 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-18-27-1000-000-04100 |
| Primary APN | 20-18-27-1000-000-04100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,608 sqft Living Area |
| Gross Area | 3,257 sqft |
| 1st Floor Area | 2,104 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 111,965 sqft (2.57 acres) |
| Lot Dimensions | 292 ft deep x 363 ft wide |
| Garage Type | Attached |
| Garage Area | 649 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 584 sqft |
| Deck Area | Deck Area |
| Patio Area | 78 sqft |
| Utility Building | 2,538 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3555813 |
|---|---|
| Street Address | 38166 HERON DR |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE DALHOUSIE ESTATES LOT 41 PB 31 PGS 22-27 ORB 5191 PG 125 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 20 |
| Legal Subdivision | LAKE DALHOUSIE ESTATES |
| Legal Tract | 1000 |
| Legal Lot Number | 41 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 30109 |
38166 Heron Dr is owned and occupied by two individuals who bought it in October 2018.
Source: Lake County records, as of November 26, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38166 HERON DR, UMATILLA, FL 32784-7402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Oct 29, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK |
| Oct 9, 2019 | Loan Modification, Mortgage · Conventional Mortgage FIRST FED'L SVGS BK |
| Oct 29, 2018 | Warranty Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2018 · Amount on File |
| Deed Sale | Oct 29, 2018 · Amount on File |
| Prior Sale | Aug 29, 2016 · Amount on File |
| Deed Document Number | 2018127077 |
| Deed Book / Page | 5191 / 125 |
| Prior Transfer Date | Aug 25, 2016 |
| Prior Transfer Doc | 0048270398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 38166 HERON DR, UMATILLA, FL 32784-7402 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0058171125 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 5817/1125 |
| Instrument | 2021144030 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 38166 HERON DR, UMATILLA, FL 32784-7402 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055712409 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 5571/2409 |
| Instrument | 2020121125 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 38166 HERON DR, UMATILLA, FL 32784-7402 |
| Document Number | 0053602255 |
| Instrument Date | Oct 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38166 HERON DR UMATILLA FL 32784, UMATILLA, FL 32784 |
| Document Number | 0053602255 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 005360/002255 |
| Instrument | 118797 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 29, 2018 |
| Property Address | 38166 HERON DR, UMATILLA, FL 32784-7402 |
| Document Number | 0051910125 |
| Book / Page | 5191 / 0125 |
| Map Reference | MB 31 PG 22 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 2018127077 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $602.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29824 BRANTLEY BRANCH RD, 29824, EUSTIS, FL 32736-9586 |
| Name | Verified Name |
|---|---|
| Address | 1794 PIEDMONT PL, LAKE MARY, FL 32746-7648 |
| Document Number | 2018127078 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 2018127078 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
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 | $443,270 (+2.9%) | $559,782 (-0.26%) Land $201,025 Building $358,757 | |
| 2025 | $430,780 Land $201,025 Building $229,755 | $561,231 Land $201,025 Building $360,206 | |
| 2024 | $760.00 (+33.33%) | ||
| 2023 | $570.00 (+41.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $401,500 (+13.44%) | $480,747 (+11.48%) Land $141,900 Building $338,847 |
| 2022 | $403.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $353,930 | $431,251 Land $130,075 Building $301,176 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38166 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 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 38166 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 Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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