38905 Pine St, Umatilla, FL 32784 Property Records

Lake County property record for 38905 Pine St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 128 sqft · built 1960
Lot Size	0.292 acres (12,712 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jun 2026)
Tax Bill	$872 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-18-24-0002-000-01000`

Property Details

APN / Parcel Number

Primary APN	`26-18-24-0002-000-01000`
Alternative APNs	`24-18-26-0002-000-01000` `1282225` `1306621`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	128 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,712 sqft (0.292 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	540 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	160 sqft
Patio Area	160 sqft
Utility Building	864 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	1306621
Street Address	38905 PINE ST
City	UMATILLA
State	FL
Zip	32784-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM NE COR OF NW 1/4 OF NW 1/4 OF SEC 24-18-26 RUN W ALONG N LINE 164.43 FT S 0-59-0 E 460 FT FOR POB RUN E 150 FT TO W R/W OF PINE ST & PT A RETURN TO POB RUN S 0-59-0 E 100 FT E 150 FT TO W R/W LINE OF PINE ST N 0-59-0 W ALONG SAID R/W LINE 100 FT
Legal Subdivision	FT FOR ADDITION
Legal Tract	0002
Legal Lot Number	10
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	2
Census Block	2026
Census Tract	30410

Owner

Source: Lake County records, as of June 29, 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 Record
Mailing Address	38905 PINE ST, UMATILLA, FL 32784-8906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Sep 10, 2025 · Amount on Record
Deed Document Number	202674168
Deed Book / Page	6759 / 901
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 17, 2026
Property Address	38905 PINE ST, UMATILLA, FL 32784-8906
Document Number	0000074168
Book / Page	6759 / 901
Instrument Date	Jun 11, 2026
Instrument	202674168
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261,590.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38905 PINE ST, UMATILLA, FL 32784-8906

Mortgage

Document Number	0000074169,
Date	Jun 17, 2026
Instrument	202674169

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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		$56,520 (-57.91%) Land $52,770 Building $3,750	$56,520 (-77.17%) Land $52,770 Building $3,750
2025	$872.00 (-3.65%)	$134,271 (+5.92%) Land $33,351 Building $100,920	$247,531 (+2.15%) Land $33,351 Building $214,180
2024	$905.00 (-36.54%)
2023	$1,426.00 (+15.56%) Homeowner's exemption Senior Citizen's exemption	$126,771 (+2.96%)	$242,321 (+16.42%) Land $33,351 Building $208,970
2022	$1,234.00 Homeowner's exemption Senior Citizen's exemption	$123,121	$208,145 Land $23,351 Building $184,794

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

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
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 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 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

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