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40689 W 4th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40689 W 4th Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,648 sqft · built 2023
Lot Size0.396 acres (17,250 sqft)
Owner2 Individual Names on File
Last Sale$349,900 (Nov 2023)
Tax Bill$4,111 (2024)
Deeds & MortgagesSep 2023 Sale & Mortgage
Nov 2023 Re-recorded Document
+ 3 more
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-053-00700

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-053-00700
Alternative APNs
  • 271808010005300700
  • 1228344

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,648 sqft Living Area
Gross Area2,076 sqft
1st Floor Area1,648 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialBrick
Roof MaterialAsphalt
Lot Area17,250 sqft (0.396 acres)
Lot Dimensions115 ft deep x 150 ft wide
Garage TypeAttached
Garage Area428 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1228344
Street Address40689 W 4TH AVE
CityUMATILLA
StateFL
Zip32784-9262
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionEAST UMATILLA LOTS 7 TO 12 INCL BLK 53 PB 6 PGS 87-95 ORB 6206 PG 1232 ORB 6235 PG 1309
Legal Range27E
Legal Township18S
Legal Section8
Legal SubdivisionEAST UMATILLA
Legal Tract0100
Legal Block53
Legal Lot Number7
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2058
Census Tract30109

Owner

40689 W 4th Ave is owned and occupied by two individuals who bought it in November 2023.

Source: Lake County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Sep 7, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Nov 1, 2023Re-recorded Document
HOMELAND TITLE SERVICES INC
Feb 15, 2023Warranty Deed, Transfer
FIRST INTERNATIONAL TITLE
Jan 13, 2023Warranty Deed, Transfer
ESQUIRE TITLE, ESQUIRE TITLE SERVICES INC
Jan 13, 2023Warranty Deed, Transfer
ESQUIRE TITLE, ESQUIRE TITLE SERVICES INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2023 · Amount on File
Deed SaleNov 1, 2023 · Amount on File
Prior SaleSep 7, 2023 · Amount on File
Deed Document Number2023133967
Deed Book / Page6235 / 1309
Prior Transfer DateAug 29, 2023
Prior Transfer Doc0062351309
Record UpdatedSep 20, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateSep 7, 2023
Property Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
Document Number0062061232
Book / Page6206 / 1232
Map ReferenceMB 6 PG 87-95
Instrument DateAug 29, 2023
Instrument2023109447
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyHOMELAND TITLE SERVICES INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,449.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2780 LYONS RD, CAMILLUS, NY 13031-8721

Transferred To (Grantee/Buyer)

NameVerified Name
Address40689 W 4TH AVE, UMATILLA, FL 32784-9262

Mortgage

Document Number0062061233
DateSep 7, 2023
Instrument6206/1233
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2053

Mortgage

Document Number0062061254
DateSep 7, 2023
Book Page6206/1254
Instrument2023109449
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

November 2023: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionLAKE FL
Recording DateNov 1, 2023
Property Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
Document Number0062351309
Book / Page6235 / 1309
Map ReferenceMB 6 PG 87-95
Instrument DateAug 29, 2023
Instrument2023133967
Record UpdatedFeb 5, 2024
Title CompanyHOMELAND TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address2780 LYONS RD, CAMILLUS, NY 13031-8721

Transferred To (Grantee/Buyer)

NameVerified Name
Address40689 W 4TH AVE, UMATILLA, FL 32784-9262

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateFeb 15, 2023
Property Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
Document Number0060930474
Book / Page6093 / 474
Map ReferenceMB 6 PG 87&95
Instrument DateFeb 14, 2023
Instrument2023017445
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount on Record
Tax$238.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5994 S HOLLY ST # 1019, 1019, GREENWOOD VILLAGE, CO 80111-4221

Transferred To (Grantee/Buyer)

NameVerified Name
Address2780 LYONS RD, CAMILLUS, NY 13031-8721

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 13, 2023
Property Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
Document Number0060791708
Book / Page6079 / 1708
Map ReferenceMB 6 PG 87-95
Instrument DateJan 10, 2023
Instrument2023005074
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyESQUIRE TITLE, ESQUIRE TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address445 SKIPPERS POINT RD, OAKLAND, MD 21550-7727

Transferred To (Grantee/Buyer)

NameVerified Name
Address5994 S HOLLY ST, GREENWOOD VILLAGE, CO 80111-4221

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 13, 2023
Property Address40689 W 4TH AVE, UMATILLA, FL 32784-9262
Document Number0060791707
Book / Page6079 / 1707
Map ReferenceMB 6 PG 87-95
Instrument DateJan 10, 2023
Instrument2023005073
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyESQUIRE TITLE, ESQUIRE TITLE SERVICES INC

Transaction

AmountAmount on Record
Tax$94.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address831 RUSSETT RD, ANN ARBOR, MI 48103-4658

Transferred To (Grantee/Buyer)

NameVerified Name
Address5994 S HOLLY ST, GREENWOOD VILLAGE, CO 80111-4221

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$298,673 (+1.61%) Land $77,625 Building $221,048$298,673 (-) Land $77,625 Building $221,048
2025$293,950 Land $77,625 Building $216,325$298,673 Land $77,625 Building $221,048
2024$4,111.00 (+793.7%)
2023$460.00 (+0.66%)$47,438 (+25%)$47,438 (+25%) Land $47,438
2022$457.00$37,950$37,950 Land $37,950

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

Flood

FEMA maps place 40689 W 4th 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 40689 W 4th Ave is moderate, ranking above 45% 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 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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