Lake County property record for 40647 E 1st Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 2007 |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (Oct 2025) |
| Tax Bill | $1,461 (2024) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-18-27-0100-046-04000 |
| Primary APN | 08-18-27-0100-046-04000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 1,497 sqft |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 3848045 |
|---|---|
| Street Address | 40647 E 1ST AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST UMATILLA LOTS 40 41 42 BLK 46 PB 6 PGS 87-95 |
| Legal Subdivision | EAST UMATILLA |
| Legal Block | 46 |
| Legal Lot Number | 40 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 30109 |
Source: Lake County records, as of November 26, 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 |
|---|---|
| Mailing Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Oct 2, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 24, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on Record |
| Deed Sale | Oct 2, 2025 · Amount on Record |
| Prior Sale | Mar 30, 2007 · Amount on Record |
| Deed Document Number | 2025122289 |
| Deed Book / Page | 6608 / 685 |
| Prior Transfer Date | Sep 30, 2025 |
| Prior Transfer Doc | 0066080685 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 2, 2025 |
| Property Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Document Number | 0066080685 |
| Book / Page | 6608 / 685 |
| Map Reference | MB 6 PG 87-95 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025122289 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Name | Verified Name |
|---|---|
| Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Document Number | 0006608686 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 6608/686 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jan 24, 2022 |
| Property Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Document Number | 0058820663 |
| Book / Page | 5882 / 663 |
| Map Reference | MB 6 PG 87 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022010656 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40647 E 1ST AVE, UMATILLA, FL 32784-7549 |
| Document Number | 0005882667 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 5882/667 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $95,740 (+2.89%) | $184,078 (-) Land $38,813 Building $145,265 | |
| 2025 | $93,050 (+2.9%) Land $38,813 Building $54,237 | $184,078 (-) Land $38,813 Building $145,265 | |
| 2024 | $1,461.00 (+18.59%) Homeowner's exemption | $90,430 (+3%) Land $38,813 Building $51,617 | $184,078 (+27.21%) Land $38,813 Building $145,265 |
| 2023 | $1,232.00 (+17.67%) | $87,800 (+2.99%) | $144,700 (+9.82%) Land $38,813 Building $105,887 |
| 2022 | $1,047.00 | $85,250 | $131,762 Land $25,875 Building $105,887 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 112 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 |
| AT&T Fixed Wireless | 100 / 20 |
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