39715 E Cemetary Rd, Umatilla, FL 32784 Property Records

Lake County property record for 39715 E Cemetary Rd, Umatilla, FL 32784 · Last verified April 2026

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,664 sqft · built 2020
Lot Size	5.11 acres (222,597 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Mar 2020)
Tax Bill	$2,311 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-18-27-0001-000-03200`

Property Details

APN / Parcel Number

Primary APN	`17-18-27-0001-000-03200`
Alternative APNs	`271817000100003200` `1222982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	1,664 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Asphalt
Lot Area	222,597 sqft (5.11 acres)
Porch	Screened Porch
Utility Building	1,680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1222982
Street Address	39715 E CEMETARY RD
City	UMATILLA
State	FL
Zip	32784-9223
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	N 1/2 OF NW 1/4 OF SE 1/4 OF NE 1/4 ORB 5431 PG 573
Legal Range	27E
Legal Township	18S
Legal Section	17
Legal Quarter	1
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0001
Legal Block	2
Legal Lot Number	32
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2024
Census Tract	30109

Owner

Source: Lake County records · APN 17-18-27-0001-000-03200

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Aug 20, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Nov 30, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK
Mar 02, 2020	Warranty Deed, Transfer · Line of Credit UNITED SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 02, 2020 · Amount on Record
Deed Sale	Mar 02, 2020 · Amount on Record
Prior Sale	Apr 11, 2019 · Amount on Record
Deed Document Number	202026321
Deed Book / Page	5431 / 573
Prior Transfer Date	Oct 28, 2014
Prior Transfer Doc	0045511569
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223

Mortgage

Document Number	0057721721
Date	Aug 16, 2021
Book Page	5772/1721
Instrument	2021112123

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2041

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055280072
Date	Aug 20, 2020
Book Page	5528/72
Instrument	2020091483

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Sep 01, 2051

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223
Document Number	0055940947
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39715 E CEMETARY RD UMATILLA FL 327849223, UMATILLA, FL 32784-9223

Mortgage

Document Number	0055940947
Date	Dec 03, 2020
Book Page	005594/000947
Instrument	136360

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 02, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Mar 02, 2020
Property Address	39715 E CEMETARY RD, UMATILLA, FL 32784-9223
Document Number	0054310573
Book / Page	5431 / 573
Instrument Date	Feb 27, 2020
Instrument	2020026321
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19452 E UMATILLA BLVD, 19452, UMATILLA, FL 32784-8376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31717 S LAKE DR, EUSTIS, FL 32736-8225

Mortgage

Document Number	0054310575
Date	Mar 02, 2020
Instrument	5431/0575

Lender

Name	UNITED SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Feb 27, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$232,870 (+2.9%)	$279,147 (-0.45%) Land $75,000 Building $204,147
2025		$226,310 (+47.5%) Land $75,000 Building $151,310	$280,416 (+32.25%) Land $75,000 Building $205,416
2024	$2,311.00 (+9.32%)
2023	$2,114.00 (+9.53%) Homeowner's exemption	$153,430 (+2.99%)	$212,031 (+4.03%) Land $75,000 Building $137,031
2022	$1,930.00 Homeowner's exemption	$148,970	$203,809 Land $75,000 Building $128,809

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690301092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 348 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 46 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Open Infra	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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