38827 Merrell Ave, Umatilla, FL 32784 Property Records

Lake County property record for 38827 Merrell Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1999
Lot Size	0.208 acres (9,063 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Dec 2018)
Tax Bill	$2,015 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-18-26-0600-000-02300`

Property Details

APN / Parcel Number

Primary APN	`24-18-26-0600-000-02300`
Alternative APNs	`261824060000002300` `1805333`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2021
Exterior Material	Wood
Construction Type	Frame
Roof Material	Metal
Lot Area	9,063 sqft (0.208 acres)
Lot Dimensions	145 ft deep x 63 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	1805333
Street Address	38827 MERRELL AVE
City	UMATILLA
State	FL
Zip	32784-9310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	MERRILL-VAUGHN SUB LOT 23 PB 4 PG 23 ORB 5213 PG 372
Legal Range	26E
Legal Township	18S
Legal Section	24
Legal Subdivision	MERRILL-VAUGHN SUB
Legal Tract	0600
Legal Lot Number	23
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1106
Census Tract	30109

Owner

Source: Lake County records, as of August 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Dec 19, 2018	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Jun 26, 2018	Grant Deed, Transfer ATTORNEY ONLY
Aug 23, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY
Feb 16, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Prior Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	2018145907
Deed Book / Page	5213 / 372
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310

Mortgage

Document Number	0062741192
Date	Jan 24, 2024
Book Page	6274/1192
Instrument	2024008674

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2049

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310

Mortgage

Document Number	0060271328
Date	Sep 21, 2022
Book Page	6027/1328
Instrument	2022126989

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Jan 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Dec 19, 2018
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Document Number	0052130372
Book / Page	5213 / 0372
Map Reference	MB 4 PG 23
Instrument Date	Dec 14, 2018
Instrument	2018145907
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	EQUITABLE TITLE OF MID FLORI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	711 N DONNELLY ST # ST1878, 711, MOUNT DORA, FL 32756-7501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310

Mortgage

Document Number	2018145908
Date	Dec 19, 2018
Instrument	2018145908

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE FL
Recording Date	Jun 26, 2018
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Document Number	0051300135
Book / Page	005130 / 000135
Instrument Date	Jun 4, 2018
Instrument	73712
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$378.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	711 N DONNELLY ST #1878 MOUNT DORA FL 327567577, 1878, MOUNT DORA, FL 32756-7577

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE FL
Recording Date	Aug 23, 2017
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Document Number	0049901950
Book / Page	004990 / 001950
Instrument Date	Aug 22, 2017
Instrument	91135
Transaction Type	Foreclosure
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$322.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132
Investor	Possibly a Property Investor

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE FL
Recording Date	Feb 16, 2018
Property Address	38827 MERRELL AVE, UMATILLA, FL 32784-9310
Document Number	0050671761
Book / Page	005067 / 001761
Instrument Date	Aug 22, 2017
Instrument	18341
Transaction Type	Foreclosure
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$322.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132

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		$171,642 (+71.1%) Land $45,000 Building $126,642	$171,642 (+71.1%) Land $45,000 Building $126,642
2025	$2,015.00 (+3.6%)	$100,317 (+2.69%) Land $18,000 Building $82,317	$100,317 (+2.69%) Land $18,000 Building $82,317
2024	$1,945.00 (+15.77%)
2023	$1,680.00 (+16.75%)	$97,691 (+10.15%)	$97,691 (+10.15%) Land $18,000 Building $79,691
2022	$1,439.00	$88,691	$88,691 Land $9,000 Building $79,691

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 215 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

38827 Merrell Ave, Umatilla, FL 32784 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2018: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Merrell Ave

Nearby Streets

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