Lake County property record for 39103 Co Rd 439, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 4 ba · 1,614 sqft · built 1978 |
| Lot Size | 5.63 acres (245,243 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Aug 2019) |
| Tax Bill | $4,118 (2024) |
| Deeds & Mortgages | Apr 2021 Construction Loan Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-18-27-0100-000-01300 |
| Primary APN | 15-18-27-0100-000-01300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,614 sqft Living Area |
| 1st Floor Area | 1,614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 245,243 sqft (5.63 acres) |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 450 sqft |
| Porch | Porch |
| Porch Area | 668 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1453763 |
|---|---|
| Street Address | 39103 COUNTY ROAD 439 |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE MURPHY ESTATES LOT 13 PB 23 PG 55 ORB 5320 PG 497 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 15 |
| Legal Subdivision | LAKE MURPHY ESTATES |
| Legal Tract | 100 |
| Legal Lot Number | 13 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 30109 |
39103 Co Rd 439 is owned and occupied by an individual who bought it in August 2019.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| 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 |
|---|---|
| Apr 9, 2021 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| Aug 2, 2019 | Deed, Transfer · Conventional Mortgage UNITED SOUTHERN BANK |
| May 6, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2019 · Amount on File |
| Deed Sale | Aug 2, 2019 · Amount on File |
| Prior Sale | May 6, 2019 · Amount on File |
| Deed Document Number | 2019086820 |
| Deed Book / Page | 5320 / 0497 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| Document Number | 0056832141 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 5683/2141 |
| Instrument | 2021048856 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 2, 2019 |
| Property Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| Document Number | 0053200497 |
| Book / Page | 5320 / 0497 |
| Map Reference | MB 23 PG 55 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 2019086820 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4103 SWEET BAY DR, 4103, MIMS, FL 32754-2208 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| Document Number | 0053200499 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 5320/0499 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | May 6, 2019 |
| Property Address | 39103 COUNTY ROAD 439, UMATILLA, FL 32784-9295 |
| Document Number | 0052750117 |
| Book / Page | 005275 / 000117 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 50240 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,893.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4103 SWEET BAY DR MIMS FL 327542208, MIMS, FL 32754-2208 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $294,440 Land $30,076 Building $264,364 | $460,863 Land $30,076 Building $430,787 | |
| 2024 | $4,118.00 (+8.8%) | ||
| 2023 | $3,785.00 (+199.68%) Homeowner's exemption | $277,900 (+175.53%) | $448,020 (+68.89%) Land $30,076 Building $417,944 |
| 2022 | $1,263.00 Homeowner's exemption | $100,860 | $265,267 Land $21,159 Building $244,108 |
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 39103 Co Rd 439 in Zone X, an area of minimal flood risk.
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 File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 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 39103 Co Rd 439 is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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