Lake County property record for 39069 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,285 sqft · built 2024 |
| Lot Size | 4.49 acres (195,807 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $70,000 (Apr 2023) |
| Tax Bill | $1,418 (2024) |
| Deeds & Mortgages | Jun 2023 Construction Loan Sep 2025 Transfer + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 19-18-27-0001-000-03100 |
| Primary APN | 19-18-27-0001-000-03100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,285 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 2,285 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 195,807 sqft (4.49 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 642 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 3933355 |
|---|---|
| Street Address | 39069 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM THE NORTHWEST CORNER OF THE NORTHEAST 1/4 OF SECTION 19 TOWNSHIP 18 SOUTH RANGE 27 EAST RUN SOUTH 89-24-57 EAST 249.53 FEET ALONG THE NORTH LINE OF SAID NORTHWEST 1/4 OF THE NORTHEAST 1/4 TO A POINT ON A NON-TANGENT CURVE CONCAVE NORTHERLY HAVIN |
| Legal Subdivision | LAKE FRANCES ESTATESUNIT 4 |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1102 |
| Census Tract | 30109 |
39069 Rose St is held in a trust since April 2023.
Source: Lake County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 44, UMATILLA, FL 32784-0044 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · Construction Mortgage UNITED SOUTHERN BANK |
| Sep 30, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 12, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2023 · Amount on File |
| Deed Sale | Apr 12, 2023 · Amount on File |
| Deed Document Number | 202341699 |
| Deed Book / Page | 6123 / 1034 |
| Last Transfer Date | Apr 13, 2023 |
| Transfer Doc | 0000045018 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 39069 ROSE ST, UMATILLA, FL 32784-8934 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1407 CHESTERFIELD CT, EUSTIS, FL 32726-6435 |
| Document Number | 0061611472 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 6161/1472 |
| Instrument | 2023072687 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 30, 2025 |
| Property Address | 39069 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0066060997 |
| Book / Page | 6606 / 997 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 2025120945 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 44, UMATILLA, FL 32784-0044 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | PO BOX 44, UMATILLA, FL 32784-0044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 12, 2023 |
| Property Address | 39069 ROSE ST, UMATILLA, FL 32784-8934 |
| Document Number | 0061231034 |
| Book / Page | 6123 / 1034 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023041699 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | PO BOX 600, UMATILLA, FL 32784-0600 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 600, UMATILLA, FL 32784-0600 |
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 | $323,250 (+2.9%) | $395,603 (-) Land $79,032 Building $316,571 | |
| 2025 | $314,143 (+317.34%) Land $79,032 Building $235,111 | $395,603 (+425.56%) Land $79,032 Building $316,571 | |
| 2024 | $1,418.00 (+50.05%) | $75,272 (-) Land $75,272 | $75,272 (-) Land $75,272 |
| 2023 | $945.00 (+13.31%) | $75,272 (+24.97%) | $75,272 (+24.97%) Land $75,272 |
| 2022 | $834.00 | $60,232 | $60,232 Land $60,232 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39069 Rose St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 39069 Rose St is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
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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