40416 W 9th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40416 W 9th Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1996
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jan 2026)
Tax Bill	$2,663 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-18-27-0100-091-03000`

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-091-03000`
Alternative APNs	`271808010009103000` `1716357`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,533 sqft Living Area
Gross Area	2,108 sqft
1st Floor Area	1,497 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1716357
Street Address	40416 W 9TH AVE
City	UMATILLA
State	FL
Zip	32784-9263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST UMATILLA LOTS 30 31 32 BLK 91 PB 6 PGS 87-95 ORB 5894 PG 2499
Legal Range	27E
Legal Township	18S
Legal Section	8
Legal Subdivision	EAST UMATILLA
Legal Tract	0100
Legal Block	91
Legal Lot Number	30
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2047
Census Tract	30109

Owner

40416 W 9th Ave is owned and occupied by an individual who bought it in January 2026.

Source: Lake County records, as of May 1, 2026

Owner of Record	Individual Name on File
Mailing Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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

Date	Document
Jan 5, 2026	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Feb 10, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2026 · Amount on File
Deed Sale	Jan 5, 2026 · Amount on File
Prior Sale	Feb 10, 2022 · Amount on File
Deed Document Number	2026794
Deed Book / Page	6660 / 423
Prior Transfer Date	Jan 3, 2003
Prior Transfer Doc	2240001378
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 5, 2026
Property Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263
Document Number	0066600423
Book / Page	6660 / 423
Map Reference	MB 6 PG 87-95
Instrument Date	Dec 30, 2025
Instrument	2026000794
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 AMBERWOOD WAY, UMATILLA, FL 32784-9445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263

Mortgage

Document Number	0006660425
Date	Jan 5, 2026
Instrument	6660/425

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Mortgage

Document Number	0066600439
Date	Jan 5, 2026
Book Page	6660/439
Instrument	2026000796

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Feb 10, 2022
Property Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263
Document Number	0058942499
Book / Page	5894 / 2499
Map Reference	MB 6 PG 87-95
Instrument Date	Jan 26, 2022
Instrument	2022019813
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,198.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40416 W 9TH AVE, UMATILLA, FL 32784-9263

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$189,450 (+2.89%)	$208,602 (-) Land $38,813 Building $169,789
2025		$184,120 Land $38,813 Building $145,307	$208,602 Land $38,813 Building $169,789
2024	$2,663.00 (+11.61%)
2023	$2,386.00 (+96.06%) Homeowner's exemption	$173,728 (+78.2%)	$173,728 (+8.05%) Land $38,813 Building $134,915
2022	$1,217.00 Homeowner's exemption	$97,490	$160,790 Land $25,875 Building $134,915

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 40416 W 9th Ave 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 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 40416 W 9th Ave is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 84 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
CenturyLink DSL	140 / 20

May also be available: Verizon.

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