40820 W 3rd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40820 W 3rd Ave, Umatilla, FL 32784 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2017
Square Footage	1,727 sqft Living Area
Lot Size	11,845 sqft (0.271 acres)
Pool	Pool with Hot Tub/Spa
Occupancy	Owner Occupied
Tax Bill	$1,846.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-022-03900`
Alternative APN	`1227682`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,727 sqft Living Area
1st Floor	1,727 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Material	Shingle Roof
Lot Area	11,845 sqft (0.271 acres)
Depth X Width	115 ft x 103 ft Depth x Width

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa Pool Type
Pool Area	720 sqft Pool
Porch	Open Porch
Porch Area	673 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	1227682
Street Address	40820 W 3RD AVE
City	UMATILLA
State	FL
Zip	32784-8019
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EAST UMATILLA LOTS 39 40 41 42 S 3.25 FT OF LOT 43 BLK 22 PB 6 PGS 87-95 ORB 895 PG 168 ORB 6476 PG 48
Legal Range	27E
Legal Township	18S
Legal Section	08
Legal Subdivision	EAST UMATILLA
Legal Tract	100
Legal Block	22
Legal Lot Number	39-43 40
Jurisdiction	LAKE FL
Minor Civil Division	UMATILLA
Census Blockgroup	2
Census Block	2055
Census Tract	30109

Owner

Source: Lake County records · APN 08-18-27-0100-022-03900

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 Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	40820 W 3RD AVE, UMATILLA, FL 32784-8019
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 13, 2025
Transfer Doc	0064760048
Record Refreshed	Jun 08, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	40820 W 3RD AVE, UMATILLA, FL 32784
Document Number	0053841667
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	537 UMATILLA BLVD UMATILLA FL 327848434, UMATILLA, FL 32784-8434

Mortgage

Document Number	0053841667
Date	Dec 05, 2019
Book Page	005384/001667
Instrument	137738

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Dec 04, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$122,190 (+5.98%) Land $53,303 Building $68,887	$267,855 (+17.16%) Land $53,303 Building $214,552
2024	$1,846.00 (+15.23%)
2023	$1,602.00 (+13.06%) Homeowner's exemption	$115,300 (+2.99%)	$228,619 (+8.43%) Land $53,303 Building $175,316
2022	$1,417.00 Homeowner's exemption	$111,950	$210,851 Land $35,535 Building $175,316

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 503 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.