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398 Rose St, Umatilla, FL 32784 Property Records

Lake County property record for 398 Rose St, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,404 sqft · built 1962
Lot Size0.254 acres (11,055 sqft)
Owner2 Individual Names on File
Last Sale$272,000 (Mar 2026)
Tax Bill$2,781 (2024)
Deeds & MortgagesMar 2026 Sale
May 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN13-18-26-0700-00C-00100

Property Details

APN / Parcel Number

Primary APN13-18-26-0700-00C-00100
Alternative APNs
  • 261813070000C00100
  • 1500842

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,404 sqft Living Area
1st Floor Area1,404 sqft

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Roof TypeSawtooth
Roof MaterialMetal
Lot Area11,055 sqft (0.254 acres)
Lot Dimensions96 ft deep x 115 ft wide
Garage TypeCarport
Garage Area317 sqft
CarportCarport
Carport Area317 sqft
Parking Spaces1 Parking Space
Utility Building192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1500842
Street Address398 ROSE ST
CityUMATILLA
StateFL
Zip32784-8636
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR12
Legal DescriptionUMATILLA ORANGE COURT LOTS 1 2 3 4 BLK C PB 9 PG 42 ORB 5950 PG 2363
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionORANGE COURT
Legal Tract0700
Legal BlockC
Legal Lot Number1
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1064
Census Tract30109

Owner

398 Rose St is owned and occupied by two individuals who bought it in March 2026.

Source: Lake County records, as of April 2, 2026

Owner of Record2 Individual Names on File
Mailing Address14283 71ST PL N, LOXAHATCHEE, FL 33470-4463
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 9, 2026Warranty Deed, Transfer
BROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC
May 5, 2022Warranty Deed, Transfer · Conventional Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP
Feb 17, 2021Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 9, 2026 · Amount on File
Deed SaleMar 9, 2026 · Amount on File
Prior SaleMay 5, 2022 · Amount on File
Deed Document Number202628548
Deed Book / Page6696 / 758
Record UpdatedOct 29, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMar 9, 2026
Property Address398 ROSE ST, UMATILLA, FL 32784-8636
Document Number0066960758
Book / Page6696 / 758
Map ReferenceMB 9 PG 42
Instrument DateMar 5, 2026
Instrument2026028548
Transaction TypeTransfer
Record UpdatedMar 25, 2026
Title CompanyBROKERS TITLE/LEESBURG LLC, BROKERS TTL OF LEESBURG LLC

Transaction

AmountAmount on Record
Tax$1,904.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9090 DEPAUW CHURCH RD SE, ELIZABETH, IN 47117-8254

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address14283 71ST PL N, LOXAHATCHEE, FL 33470-4463

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMay 5, 2022
Property Address398 ROSE ST, UMATILLA, FL 32784-8636
Document Number0059502363
Book / Page5950 / 2363
Map ReferenceMB 9 PG 42
Instrument DateApr 29, 2022
Instrument2022063067
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyFIRST SIGNATURE TITLE INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,904.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address360 FAIRFIELD DR, SANFORD, FL 32771-6830

Transferred To (Grantee/Buyer)

NameVerified Name
Address398 ROSE ST, UMATILLA, FL 32784-8636

Mortgage

Document Number0059502365
DateMay 5, 2022
Instrument5950/2365
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2052

February 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionLAKE FL
Recording DateFeb 17, 2021
Property Address398 ROSE ST, UMATILLA, FL 32784-8636
Document Number0056442062
Book / Page5644 / 2062
Map ReferenceMB 9 PG 42
Instrument DateFeb 12, 2021
Instrument2021021774
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$631.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1002 DEL HARBOUR DR, DELRAY BEACH, FL 33483-6510

Transferred To (Grantee/Buyer)

NameVerified Name
Address360 FAIRFIELD DR, SANFORD, FL 32771-6830

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$181,920 (+2.9%)$198,939 (-) Land $70,000 Building $128,939
2025$176,800 Land $70,000 Building $106,800$198,939 Land $70,000 Building $128,939
2024$2,781.00 (+4.39%)
2023$2,664.00 (-11.55%) Homeowner's exemption$166,818 (+16.64%)$166,818 (+16.64%) Land $42,000 Building $124,818
2022$3,012.00$143,018$143,018 Land $18,200 Building $124,818

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

Flood

FEMA maps place 398 Rose St 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 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

Wildfire risk around 398 Rose St is moderate, ranking above 59% 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 RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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