Lake County property record for 38515 Marshall St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,912 sqft · built 1997 |
| Lot Size | 0.271 acres (11,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Oct 2017) |
| Tax Bill | $2,122 (2024) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-18-26-0900-000-02302 |
| Primary APN | 24-18-26-0900-000-02302 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,912 sqft Living Area |
| 1st Floor Area | 1,912 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 11,840 sqft (0.271 acres) |
| Lot Dimensions | 148 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 979 sqft |
| Patio Area | 120 sqft |
| Utility Building | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3764471 |
|---|---|
| Street Address | 38515 MARSHALL ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHIDBYS SUB N 1/2 OF S 2/3 OF LOT 23--LESS E 10 FT FOR RD R/W--PB 10 PG 85 ORB 5008 PG 2440 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 24 |
| Legal Subdivision | WHIDBYS SUB |
| Legal Tract | 900 |
| Legal Lot Number | 23 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30110 |
Source: Lake County records, as of December 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38515 MARSHALL ST, UMATILLA, FL 32784-7422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 5, 2017 | Warranty Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2017 · Amount on Record |
| Deed Sale | Oct 5, 2017 · Amount on Record |
| Prior Sale | Jul 29, 1997 · Amount on Record |
| Deed Document Number | 2017106083 |
| Deed Book / Page | 5008 / 2440 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 38515 MARSHALL ST, UMATILLA, FL 32784-7422 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 38515 MARSHALL ST, UMATILLA, FL 32784-7422 |
| Document Number | 0057431187 |
|---|---|
| Date | Jul 2, 2021 |
| Book Page | 5743/1187 |
| Instrument | 2021091484 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 5, 2017 |
| Property Address | 38515 MARSHALL ST, UMATILLA, FL 32784-7422 |
| Document Number | 0050082440 |
| Book / Page | 5008 / 2440 |
| Map Reference | MB 10 PG 85 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 2017106083 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | FIDELITY NATIONAL TITLE OF F |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38515 MARSHALL ST, UMATILLA, FL 32784-7422 |
| Document Number | 2017106084 |
|---|---|
| Date | Oct 5, 2017 |
| Instrument | 2017106084 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $143,180 (+5.98%) Land $65,508 Building $77,672 | $232,451 (+2.58%) Land $65,508 Building $166,943 | |
| 2024 | $2,122.00 (+13.6%) | ||
| 2023 | $1,868.00 (+10.99%) Homeowner's exemption | $135,100 (+3%) | $226,609 (+31.73%) Land $65,508 Building $161,101 |
| 2022 | $1,683.00 Homeowner's exemption | $131,170 | $172,019 Land $10,918 Building $161,101 |
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 |
|---|---|
| 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 | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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