40332 W 3rd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40332 W 3rd Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,806 sqft · built 2008
Lot Size	0.279 acres (12,190 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Jan 2008)
Tax Bill	$2,250 (2024)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-18-27-0100-102-04300`

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-102-04300`
Alternative APN	`3822008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,806 sqft Living Area
1st Floor Area	1,806 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	12,190 sqft (0.279 acres)
Lot Dimensions	115 ft deep x 106 ft wide
Garage Type	Finished
Garage Area	809 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3822008
Street Address	40332 W 3RD AVE
City	UMATILLA
State	FL
Zip	32784-9328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST UMATILLA LOTS 43 44 45 46 BLK 102 PB 6 PGS 87-95 ORB 3568 PG 1479
Legal Range	27E
Legal Township	18S
Legal Section	08
Legal Subdivision	EAST UMATILLA
Legal Tract	100
Legal Block	102
Legal Lot Number	43-46 44
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1000
Census Tract	30109

Owner

Source: Lake County records, as of December 15, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	40332 W 3RD AVE, UMATILLA, FL 32784-9328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2008 · Amount on Record
Deed Sale	Jan 14, 2008 · Amount on Record
Prior Sale	Sep 7, 2005 · Amount on Record
Deed Document Number	2008005518
Deed Book / Page	3568 / 1479
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	40332 W 3RD AVE, UMATILLA, FL 32784-9328
Document Number	0051081937
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40332 W 3RD AVE UMATILLA FL 327849328, UMATILLA, FL 32784-9328

Mortgage

Document Number	0051081937
Date	May 14, 2018
Book Page	005108/001937
Instrument	55227

Lender

Name	REGIONS BK/FAYETTE
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$152,820 (+5.98%) Land $54,855 Building $97,965	$281,330 (+28.15%) Land $54,855 Building $226,475
2024	$2,250.00 (+13.07%)
2023	$1,990.00 (+10.19%) Homeowner's exemption	$144,200 (+3%)	$219,531 (+9.09%) Land $54,855 Building $164,676
2022	$1,806.00 Homeowner's exemption	$140,000	$201,246 Land $36,570 Building $164,676

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20