38240 Sabal Way, Umatilla, FL 32784 Property Records

Lake County property record for 38240 Sabal Way, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,571 sqft · built 1997
Lot Size	1.84 acres (80,236 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Mar 2024)
Tax Bill	$5,932 (2024)
Deeds & Mortgages	Mar 2024 Sale Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-18-27-1000-000-04800`

Property Details

APN / Parcel Number

Primary APN	`20-18-27-1000-000-04800`
Alternative APNs	`271820100000004800` `3555996`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,571 sqft Living Area
Gross Area	3,055 sqft
1st Floor Area	2,364 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	80,236 sqft (1.84 acres)
Lot Dimensions	341 ft deep x 213 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Florida Room
Porch Area	295 sqft
Deck Area	Deck Area
Utility Building	1,433 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3555996
Street Address	38240 SABAL WAY
City	UMATILLA
State	FL
Zip	32784-7482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE DALHOUSIE ESTATES LOT 48 PB 31 PGS 22-27 ORB 6294 PG 1814
Legal Range	27E
Legal Township	18S
Legal Section	20
Legal Subdivision	LAKE DALHOUSIE ESTATES
Legal Tract	1000
Legal Lot Number	48
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2040
Census Tract	30109

Owner

38240 Sabal Way is owned and occupied by two individuals who bought it in March 2024.

Source: Lake County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	38240 SABAL WAY, UMATILLA, FL 32784-7482
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Warranty Deed, Transfer TITLE FORWARD
Nov 15, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage EVESHAM MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2024 · Amount on File
Deed Sale	Mar 6, 2024 · Amount on File
Prior Sale	May 10, 2022 · Amount on File
Deed Document Number	202425866
Deed Book / Page	6294 / 1814
Prior Transfer Date	Nov 7, 2023
Prior Transfer Doc	0062411806
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 6, 2024
Property Address	38240 SABAL WAY, UMATILLA, FL 32784-7482
Document Number	0062941814
Book / Page	6294 / 1814
Map Reference	MB 31 PG 22-27
Instrument Date	Feb 29, 2024
Instrument	2024025866
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	TITLE FORWARD

Transaction

Amount	Amount on Record
Tax	$4,410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7195 NW FOREST LAKES DR, PARKVILLE, MO 64152-1163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38240 SABAL WAY, UMATILLA, FL 32784-7482

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Nov 15, 2023
Property Address	38240 SABAL WAY, UMATILLA, FL 32784-7482
Document Number	0062411806
Book / Page	6241 / 1806
Map Reference	MB 31 PG 22-27
Instrument Date	Nov 7, 2023
Instrument	2023139179
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38240 SABAL WAY, UMATILLA, FL 32784-7482

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38240 SABAL WAY, UMATILLA, FL 32784-7482

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 10, 2022
Property Address	38240 SABAL WAY, UMATILLA, FL 32784-7482
Document Number	0059531459
Book / Page	5953 / 1459
Map Reference	MB 31 PG 22-27
Instrument Date	Apr 29, 2022
Instrument	2022065172
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 CAMINO REAL BLVD, HOWEY IN THE HILLS, FL 34737-3150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38240 SABAL WAY, UMATILLA, FL 32784-7482

Mortgage

Document Number	0059531461
Date	May 10, 2022
Instrument	5953/1461

Lender

Name	EVESHAM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$513,455 (-0.01%) Land $182,750 Building $330,705	$513,455 (-0.01%) Land $182,750 Building $330,705
2025		$513,491 Land $182,750 Building $330,741	$513,491 Land $182,750 Building $330,741
2024	$5,932.00 (+7.7%)
2023	$5,508.00 (+84.77%) Homeowner's exemption	$406,165 (+80.65%)	$406,165 (+2.76%) Land $129,000 Building $277,165
2022	$2,981.00 Homeowner's exemption	$224,840	$395,271 Land $118,250 Building $277,021

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 38240 Sabal Way 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

Wildfire risk around 38240 Sabal Way is moderate, ranking above 67% 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 67% of the US · above 45% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 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

May also be available: Verizon.

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