40726 W 3rd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40726 W 3rd Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1987
Lot Size	0.279 acres (12,190 sqft)
Owner	Individual Name on Record
Last Sale	$178,675 (Jul 2020)
Tax Bill	$3,515 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-18-27-0100-051-02800`

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-051-02800`
Alternative APN	`2869666`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2021
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	12,190 sqft (0.279 acres)
Lot Dimensions	115 ft deep x 106 ft wide
Garage Type	Finished
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2869666
Street Address	40726 W 3RD AVE
City	UMATILLA
State	FL
Zip	32784-8813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST UMATILLA LOTS 28 29 30 31 BLK 51 PB 6 PGS 87-95 ORB 5513 PG 1047
Legal Range	27E
Legal Township	18S
Legal Section	08
Legal Subdivision	EAST UMATILLA
Legal Tract	100
Legal Block	51
Legal Lot Number	28-31 29
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2055
Census Tract	30109

Owner

Source: Lake County records, as of December 15, 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	40726 W 3RD AVE, UMATILLA, FL 32784-8813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Sep 25, 1996 · Amount on Record
Deed Document Number	2020081591
Deed Book / Page	5513 / 1047
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 30, 2020
Property Address	40726 W 3RD AVE, UMATILLA, FL 32784-8813
Document Number	0055131047
Book / Page	5513 / 1047
Map Reference	MB 6 PG 87-95
Instrument Date	Jul 27, 2020
Instrument	2020081591
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	EQUITABLE TTL OF WEST ORLAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40726 W 3RD AVE, UMATILLA, FL 32784-8813

Mortgage

Document Number	0055131049
Date	Jul 30, 2020
Instrument	5513/1049

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$215,273 (+2.37%) Land $54,855 Building $160,418	$215,273 (+2.37%) Land $54,855 Building $160,418
2024	$3,515.00 (+11.87%)
2023	$3,142.00 (+11.62%)	$210,282 (+9.52%)	$210,282 (+9.52%) Land $54,855 Building $155,427
2022	$2,815.00	$191,997	$191,997 Land $36,570 Building $155,427

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 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.

Wildfire

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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

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