Lake County property record for 39005 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 4,134 sqft · built 1980 |
| Lot Size | 3.48 acres (151,964 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (May 2023) |
| Tax Bill | $4,434 (2024) |
| Deeds & Mortgages | Mar 2025 Mortgage Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-18-27-0001-000-00101 |
| Primary APN | 19-18-27-0001-000-00101 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 4,134 sqft Living Area |
| Gross Area | 5,238 sqft |
| 1st Floor Area | 3,868 sqft |
| Basement Area | 266 sqft |
| Finished Basement | 266 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 151,964 sqft (3.48 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 188 sqft |
| Deck Area | 1,000 sqft |
| Patio Area | 956 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1783721 |
|---|---|
| Street Address | 39005 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BEG AT NW COR OF NE 1/4 OF NE 1/4 RUN E 173.8 FT S 61 DEG 11 MIN 10 SEC E 313.6 FT S 20 DEG 48 MIN 50 SEC W 400 FT W TO W LINE OF NE 1/4 OF NE 1/4 N 01 DEG 11 MIN 25 SEC W ALONG W LINE OF NE 1/4 OF NE 1/4 N 500 FT TO POB--LESS HWY R/W-- ORB 6140 PG 1 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 19 |
| Legal Quarter | 1 |
| Legal Tract | 0001 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1102 |
| Census Tract | 30109 |
39005 Rose St is owned and occupied by two individuals who bought it in May 2023.
Source: Lake County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2023 · Amount on File |
| Deed Sale | May 11, 2023 · Amount on File |
| Prior Sale | Mar 14, 2001 |
| Deed Document Number | 202355533 |
| Deed Book / Page | 6140 / 1251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0064892226 |
|---|---|
| Date | Mar 11, 2025 |
| Book Page | 6489/2226 |
| Instrument | 2025029755 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0066872094 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 6687/2094 |
| Instrument | 2026022562 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | May 11, 2023 |
| Property Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0061401251 |
| Book / Page | 6140 / 1251 |
| Instrument Date | May 1, 2023 |
| Instrument | 2023055533 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,795.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3121 INDIAN TRL, EUSTIS, FL 32726-2304 |
| Name | Verified Name |
|---|---|
| Address | 39005 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0061401258 |
|---|---|
| Date | May 11, 2023 |
| Instrument | 6140/1258 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
Source: Lake County assessment roll, as of November 26, 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 |
|---|---|---|---|
| 2026 | $266,560 (+2.9%) | $557,062 (-0.02%) Land $138,600 Building $418,462 | |
| 2025 | $259,050 Land $138,600 Building $120,450 | $557,150 Land $138,600 Building $418,550 | |
| 2024 | $4,434.00 (-28.87%) | ||
| 2023 | $6,234.00 (+4.79%) Homeowner's exemption | $422,770 (+3%) | $544,522 (+2.5%) Land $138,600 Building $405,922 |
| 2022 | $5,949.00 Homeowner's exemption Widower's exemption | $410,460 | $531,235 Land $125,400 Building $405,835 |
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.
FEMA maps place 39005 Rose St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 risk around 39005 Rose St is high, ranking above 75% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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