Lake County property record for 39236 Co Rd 439, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,748 sqft · built 1969 |
| Lot Size | 4.69 acres (204,732 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,231 (2024) |
| Deeds & Mortgages | Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-18-27-0003-000-01500 |
| Primary APN | 14-18-27-0003-000-01500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,748 sqft Living Area |
| 1st Floor Area | 1,748 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Metal |
| Lot Area | 204,732 sqft (4.69 acres) |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 790 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 2836342 |
|---|---|
| Street Address | 39236 COUNTY ROAD 439 |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW 1/4 OF SW 1/4--LESS N'LY 1155 FT & LESS W 66 FT-- ORB 1936 PG 1884 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | ACREAGE OR UNREC |
| Legal Tract | 3 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 30111 |
39236 Co Rd 439 is owned and occupied by two individuals who acquired it in April 2001.
Source: Lake County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 39236 COUNTY ROAD 439, UMATILLA, FL 32784-7527 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2001 |
| Deed Sale | Apr 20, 2001 |
| Deed Document Number | 0193601884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 39236 COUNTY ROAD 439, UMATILLA, FL 32784-7527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049341274 |
|---|---|
| Date | Apr 24, 2017 |
| Book Page | 4934/1274 |
| Instrument | 2017044328 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Apr 12, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $151,410 Land $137,475 Building $13,935 | $265,692 Land $137,475 Building $128,217 | |
| 2024 | $2,231.00 (+13.13%) | ||
| 2023 | $1,972.00 (+10.29%) Homeowner's exemption | $142,870 (+3%) | $226,525 (+21.38%) Land $105,750 Building $120,775 |
| 2022 | $1,788.00 Homeowner's exemption | $138,710 | $186,632 Land $67,680 Building $118,952 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39236 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 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 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 39236 Co Rd 439 is high, ranking above 76% 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 76% of the US · above 63% 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 |
5G (outdoors only) and 4G LTE
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