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40323 Co Rd 439, Umatilla, FL 32784 Property Records

Lake County property record for 40323 Co Rd 439, Umatilla, FL 32784

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,404 sqft · built 2004
Lot Size5.03 acres (219,271 sqft)
Owner2 Individual Names on File
Last Sale$235,000 (Jul 2022)
Tax Bill$3,151 (2024)
Deeds & MortgagesSep 2023 Transfer
Jul 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN10-18-27-0004-000-00902

Property Details

APN / Parcel Number

Primary APN10-18-27-0004-000-00902
Alternative APNs
  • 271810000400000902
  • 2743247

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,404 sqft Living Area
1st Floor Area1,404 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2012
Architectural StyleMobile Home
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area219,271 sqft (5.03 acres)
Utility Building1,361 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number2743247
Street Address40323 COUNTY ROAD 439
CityUMATILLA
StateFL
Zip32784-8874
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeA
Legal DescriptionN 1/2 OF THE FOLLOWING DESCRIBED PARCEL: BEG 530.5 FT S OF NE COR OF SE 1/4 ON W R/W OF HWY 439 RUN N 88-02-15 W 525 FT S 0-23-38 E 836 FT S 88-02-15 E 525 FT TO HWY N 0-23-38 W 836 FT TO POB ORB 5999 PG 224 ORB 6209 PG 1509
Legal Range27E
Legal Township18S
Legal Section10
Legal Quarter4
Legal SubdivisionACREAGE & UNREC
Legal Tract0004
Legal Lot Number9
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2030
Census Tract30109

Owner

40323 Co Rd 439, a mobile home, is owned and occupied by two individuals who acquired it in September 2023.

Source: Lake County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address40323 COUNTY ROAD 439, UMATILLA, FL 32784-8874
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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
Sep 13, 2023Correction Deed
ATTORNEY ONLY, ATTORNEY
Jul 28, 2022Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 28, 2022 · Amount on File
Deed SaleJul 28, 2022 · Amount on File
Prior SaleApr 3, 2014 · Amount on File
Deed Document Number2022102316
Deed Book / Page5999 / 224
Last Transfer DateSep 8, 2023
Transfer Doc0062091509
Record UpdatedSep 20, 2026

September 2023: Correction Deed

Document TypeCorrection Deed
JurisdictionLAKE FL
Recording DateSep 13, 2023
Property Address40323 COUNTY ROAD 439, UMATILLA, FL 32784-8874
Document Number0062091509
Book / Page6209 / 1509
Instrument DateSep 8, 2023
Instrument2023112057
Record UpdatedSep 29, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address37512 COUNTY ROAD 439, EUSTIS, FL 32736-9713

Transferred To (Grantee/Buyer)

NameVerified Name
Address40323 COUNTY ROAD, UMATILLA, FL 32784

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJul 28, 2022
Property Address40323 COUNTY ROAD 439, UMATILLA, FL 32784-8874
Document Number0059990224
Book / Page5999 / 224
Instrument DateJul 26, 2022
Instrument2022102316
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address37512 COUNTY ROAD 439, EUSTIS, FL 32736-9713

Transferred To (Grantee/Buyer)

NameVerified Name
Address40323 COUNTRY RD # 439, 439, EUSTIS, FL 32736-9147

Mortgage

Document Number0005999226
DateJul 28, 2022
Instrument5999/226
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$214,901 (-) Land $163,800 Building $51,101$214,901 (-) Land $163,800 Building $51,101
2025$214,901 Land $163,800 Building $51,101$214,901 Land $163,800 Building $51,101
2024$3,151.00 (+7.65%)
2023$2,927.00 (+108.03%)$175,540 (+57.82%)$175,540 (+34.84%) Land $126,000 Building $49,540
2022$1,407.00 Homeowner's exemption$111,230$130,180 Land $80,640 Building $49,540

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.

Flood

FEMA maps place 40323 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 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 40323 Co Rd 439 is high, ranking above 70% 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 RiskHigh
above 70% of the US · above 51% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000

May also be available: Verizon.

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