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40404 W 3rd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40404 W 3rd Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,568 sqft · built 2007
Lot Size0.594 acres (25,877 sqft)
Owner2 Individual Names on Record
Last Sale$385,000 (Sep 2022)
Tax Bill$3,255 (2024)
Deeds & MortgagesSep 2022 Sale & Mortgage
Dec 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-083-02700

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-083-02700
Alternative APNs
  • 08-18-27-0100-083-01401
  • 271808010008301401
  • 1229022

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,568 sqft Living Area
Gross Area1,968 sqft
1st Floor Area1,568 sqft

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialAsphalt
Lot Area25,877 sqft (0.594 acres)
Lot Dimensions115 ft deep x 225 ft wide
Garage TypeAttached
Garage Area400 sqft

Exterior Amenities

Pool Area170 sqft
PorchScreened/Unfinished Porch
Porch Area201 sqft
Deck AreaDeck Area
Utility Building600 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1229022
Street Address40404 W 3RD AVE
CityUMATILLA
StateFL
Zip32784-9319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionEAST UMATILLA PB 6 PG 87-95 LOTS 14 15 16 17 18 19 27 28 29 BLK 83 ORB 6020 PG 2112
Legal Range27E
Legal Township18S
Legal Section8
Legal SubdivisionEAST UMATILLA
Legal Tract0100
Legal Block83
Legal Lot Number14
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1000
Census Tract30109

Owner

Source: Lake County records, as of April 9, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address40404 W 3RD AVE, UMATILLA, FL 32784-9319
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 8, 2022Warranty Deed, Transfer · VA Mortgage
NATIONSTAR MORTGAGE LLC
Dec 10, 2019Deed of Trust, Mortgage · Line of Credit
UNITED SOUTHERN BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 8, 2022 · Amount on Record
Deed SaleSep 8, 2022 · Amount on Record
Prior SaleDec 1, 2014 · Amount on Record
Deed Document Number2022121190
Deed Book / Page6020 / 2112
Record UpdatedJun 8, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateSep 8, 2022
Property Address40404 W 3RD AVE, UMATILLA, FL 32784-9319
Document Number0060202112
Book / Page6020 / 2112
Map ReferenceMB 6 PG 87-95
Instrument DateSep 1, 2022
Instrument2022121190
Transaction TypeTransfer
Record UpdatedMay 3, 2024
Title CompanyAPPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1255 E COUNTY ROAD 44, EUSTIS, FL 32736-2501

Transferred To (Grantee/Buyer)

NameVerified Name
Address40404 W 3RD AVE, UMATILLA, FL 32784-9319

Mortgage

Document Number0060202115
DateSep 8, 2022
Instrument6020/2115
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address40404 W 3RD AVE, UMATILLA, FL 32784-9319
Transaction TypeMortgage
Record UpdatedJul 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053870112
DateDec 10, 2019
Book Page5387/0112
Instrument2019139415
Lender
NameUNITED SOUTHERN BANK
TypeBank
AddressUMATILLA, FL 32784
Agreement
TypeLine of Credit
AmountAmount Recorded
Term179 Months
DueNov 22, 2034
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$235,720 (+2.9%)$291,211 (-0.03%) Land $86,251 Building $204,960
2025$229,080 (-3.66%) Land $86,251 Building $142,829$291,310 (+22.51%) Land $86,251 Building $205,059
2024$3,255.00 (-13.5%)
2023$3,763.00 (+264.63%)$237,777 (+104.12%)$237,777 (+34.11%) Land $86,251 Building $151,526
2022$116,490$177,302 Land $25,875 Building $151,427
2021$1,032.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Wildfire RiskModerate
above 57% of the US · lower than 71% of Florida
Wildfire Likelihood0.1% 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 54 locations within half a mile, as of December 31, 2025

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

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