38813 Pine St, Umatilla, FL 32784 Property Records

Lake County property record for 38813 Pine St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 640 sqft · built 1992
Lot Size	0.208 acres (9,063 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Mar 2024)
Tax Bill	$1,950 (2024)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-18-26-0600-000-00500`

Property Details

APN / Parcel Number

Primary APN	`24-18-26-0600-000-00500`
Alternative APNs	`261824060000000500` `1461677`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2023
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,063 sqft (0.208 acres)
Lot Dimensions	145 ft deep x 63 ft wide
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1461677
Street Address	38813 PINE ST
City	UMATILLA
State	FL
Zip	32784-8944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	MERRILL-VAUGHN SUB LOT 5 PB 4 PG 23 ORB 6307 PG 634
Legal Range	26E
Legal Township	18S
Legal Section	24
Legal Subdivision	MERRILL-VAUGHN SUB
Legal Tract	0600
Legal Lot Number	5
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1074
Census Tract	30109

Owner

Source: Lake County records · APN 24-18-26-0600-000-00500

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	38813 PINE ST, UMATILLA, FL 32784-8944
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA
Aug 15, 2023	Warranty Deed, Transfer AMERICAN NATIONAL TITLE, AMERICAN NATIONAL TITLE LLC
Jul 13, 2020	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Aug 15, 2023 · Amount on Record
Deed Document Number	202436032
Deed Book / Page	6307 / 634
Prior Transfer Date	Aug 15, 2006
Prior Transfer Doc	0032362197
Record Updated	Jun 08, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 27, 2024
Property Address	38813 PINE ST, UMATILLA, FL 32784-8944
Document Number	0063070634
Book / Page	6307 / 634
Map Reference	MB 4 PG 23
Instrument Date	Mar 15, 2024
Instrument	2024036032
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 CLOVERLAWN AVE, ORLANDO, FL 32806-2443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38813 PINE ST, UMATILLA, FL 32784-8944

Mortgage

Document Number	0006307636
Date	Mar 27, 2024
Instrument	6307/636

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 15, 2023
Property Address	38813 PINE ST, UMATILLA, FL 32784-8944
Document Number	0061941839
Book / Page	6194 / 1839
Map Reference	MB 4 PG 23
Instrument Date	Aug 10, 2023
Instrument	2023099251
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	AMERICAN NATIONAL TITLE, AMERICAN NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$574.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 LEONI DR, ISLAMORADA, FL 33036-3316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 CLOVERLAWN AVE, ORLANDO, FL 32806-2443

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 13, 2020
Property Address	38813 PINE ST, UMATILLA, FL 32784-8944
Document Number	0055030001
Book / Page	005503 / 000001
Instrument Date	Jul 13, 2020
Instrument	74525
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 LEONI DR ISLAMORADA FL 330363316, ISLAMORADA, FL 33036-3316

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,698 (-) Land $18,000 Building $69,698	$87,698 (-) Land $18,000 Building $69,698
2025		$87,698 (+2.5%) Land $18,000 Building $69,698	$87,698 (+2.5%) Land $18,000 Building $69,698
2024	$1,950.00 (+20.97%)
2023	$1,612.00 (+17.58%)	$85,557 (+11.76%)	$85,557 (+11.76%) Land $18,000 Building $67,557
2022	$1,371.00	$76,557	$76,557 Land $9,000 Building $67,557

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 108 locations within half a mile of this property.

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