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40654 W 4th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40654 W 4th Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,308 sqft · built 2019
Lot Size0.33 acres (14,375 sqft)
OwnerIndividual Name on Record
Last Sale$310,000 (Oct 2022)
Tax Bill$3,764 (2024)
Deeds & MortgagesOct 2022 Sale & Mortgage
May 2019 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-052-03700

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-052-03700
Alternative APN
  • 3733142

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,308 sqft Living Area
1st Floor Area1,308 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2024
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area14,375 sqft (0.33 acres)
Lot Dimensions115 ft deep x 125 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area184 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3733142
Street Address40654 W 4TH AVE
CityUMATILLA
StateFL
Zip32784-9261
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAST UMATILLA LOTS 37-41 INCL BLK 52 PB 6 PGS 87-95 ORB 6044 PG 1500
Legal Range27E
Legal Township18S
Legal Section08
Legal SubdivisionEAST UMATILLA
Legal Tract100
Legal Block52
Legal Lot Number37-41 38
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2057
Census Tract30109

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address40654 W 4TH AVE, UMATILLA, FL 32784-9261
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2022Warranty Deed, Transfer · FHA Mortgage
CMG MORTGAGE INC
May 28, 2019Warranty Deed, Transfer · FHA Mortgage
MORTGAGE FINANCIAL GROUP INC
Jul 18, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Jul 18, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 26, 2022 · Amount on Record
Deed SaleOct 26, 2022 · Amount on Record
Prior SaleMay 28, 2019 · Amount on Record
Deed Document Number2022141282
Deed Book / Page6044 / 1500
Record UpdatedJun 8, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateOct 26, 2022
Property Address40654 W 4TH AVE, UMATILLA, FL 32784-9261
Document Number0060441500
Book / Page6044 / 1500
Map ReferenceMB 6 PG 87-95
Instrument DateOct 19, 2022
Instrument2022141282
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyAPPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address40404 W 9TH AVE, UMATILLA, FL 32784-9263

Transferred To (Grantee/Buyer)

NameVerified Name
Address40654 W 4TH AVE, UMATILLA, FL 32784-9261

Mortgage

Document Number0060441501
DateOct 26, 2022
Instrument6044/1501
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMay 28, 2019
Property Address40654 W 4TH AVE, UMATILLA, FL 32784-9261
Document Number0052851451
Book / Page5285 / 1451
Map ReferenceMB 6 PG 87-95
Instrument DateMay 25, 2019
Instrument2019059285
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyHOMELAND TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,355.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5500 RIVER BED RD, 5500, GROVELAND, FL 34736-8456

Transferred To (Grantee/Buyer)

NameVerified Name
Address40654 W 4TH AVE, UMATILLA, FL 32784-9261

Mortgage

Document Number2019059286
DateMay 28, 2019
Instrument2019059286
Lender
NameMORTGAGE FINANCIAL GROUP INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJul 18, 2018
Property Address40654 W 4TH AVE, UMATILLA, FL 32784-9261
Document Number0051411122
Book / Page005141 / 001122
Instrument DateJul 6, 2018
Instrument83529
Transaction TypeTransfer
Record UpdatedJul 30, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$105.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address346 RALEIGH PL OVIEDO FL 327656231, OVIEDO, FL 32765-6231

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJul 18, 2018
Property Address40654 W 4TH AVE, UMATILLA, FL 32784-9261
Document Number0051411124
Book / Page005141 / 001124
Instrument DateJul 6, 2018
Instrument83530
Transaction TypeTransfer
Record UpdatedAug 1, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$105.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5500 RIVER BED RD GROVELAND FL 347368456, GROVELAND, FL 34736-8456

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$236,065 (+24.05%) Land $64,688 Building $171,377$236,065 (+24.05%) Land $64,688 Building $171,377
2024$3,764.00 (+20.45%)
2023$3,125.00 (+51.85%)$190,294 (+20.29%)$190,294 (-) Land $34,500 Building $155,794
2022$2,058.00 Homeowner's exemption$158,200$190,294 Land $34,500 Building $155,794

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 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

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 45% of the US · lower than 84% 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 171 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
AT&T
Fixed Wireless		100 / 20

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