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40635 W 3rd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40635 W 3rd Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,619 sqft · built 2019
Lot Size0.264 acres (11,500 sqft)
Owner2 Individual Names on File
Last Sale$199,000 (Aug 2019)
Tax Bill$2,974 (2024)
Deeds & MortgagesApr 2021 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-052-01400

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-052-01400
Alternative APN
  • 1228298

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,619 sqft Living Area
1st Floor Area1,619 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2023
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area11,500 sqft (0.264 acres)
Lot Dimensions115 ft deep x 100 ft wide
Garage TypeFinished
Garage Area433 sqft
Parking Spaces2 Parking Spaces
Pool TypePool with Hot Tub/Spa
PorchOpen Porch
Porch Area268 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number1228298
Street Address40635 W 3RD AVE
CityUMATILLA
StateFL
Zip32784-8814
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAST UMATILLA LOTS 14 15 16 17 BLK 52 PB 6 PGS 87-95 ORB 5320 PG 309
Legal Range27E
Legal Township18S
Legal Section08
Legal SubdivisionEAST UMATILLA
Legal Tract100
Legal Block52
Legal Lot Number14-17 15
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2057
Census Tract30109

Owner

Source: Lake County records · APN 08-18-27-0100-052-01400

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Mailing Address40635 W 3RD AVE, UMATILLA, FL 32784-8814
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 05, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 02, 2019Warranty Deed, Transfer · FHA Mortgage
PENNYMAC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 02, 2019 · Amount on Record
Deed SaleAug 02, 2019 · Amount on Record
Deed Document Number2019086769
Deed Book / Page5320 / 0309
Record UpdatedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address40635 W 3RD AVE, UMATILLA, FL 32784-8814
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address40635 W 3RD AVE, UMATILLA, FL 32784-8814

Mortgage

Document Number0056780284
DateApr 05, 2021
Book Page5678/284
Instrument2021044946
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 02, 2019
Property Address40635 W 3RD AVE, UMATILLA, FL 32784-8814
Document Number0053200309
Book / Page005320 / 000309
Instrument DateJul 29, 2019
Instrument86769
Transaction TypeTransfer
Record UpdatedAug 21, 2019
Title CompanyHOMELAND TITLE SERVICES INC, HOMELAND TITLE SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,393.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address40635 W 3RD AVE UMATILLA FL 32784, UMATILLA, FL 32784

Mortgage

Document Number53200310
DateAug 02, 2019
Book Page005320/000310
Instrument86770
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2049

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$207,750 (+22.67%) Land $51,750 Building $156,000$278,494 (+31.6%) Land $51,750 Building $226,744
2024$2,974.00 (+27.75%)
2023$2,328.00 (+8.58%) Homeowner's exemption$169,360 (+3%)$211,625 (-) Land $30,000 Building $181,625
2022$2,144.00 Homeowner's exemption$164,430$211,625 Land $30,000 Building $181,625

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 in force

Wildfire

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Open Infra
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Lumen Technologies
DSL		140 / 20
AT&T
Fixed Wireless		100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

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