40823 W 4th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40823 W 4th Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1984
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$90,375 (Aug 2018)
Tax Bill	$1,840 (2024)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-18-27-0100-020-00400`

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-020-00400`
Alternative APN	`1227526`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2021
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Patio Area	81 sqft
Utility Building	325 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1227526
Street Address	40823 W 4TH AVE
City	UMATILLA
State	FL
Zip	32784-9286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST UMATILLA LOTS 4 5 6 BLK 20 PB 6 PGS 87-95 ORB 5153 PG 615
Legal Range	27E
Legal Township	18S
Legal Section	08
Legal Subdivision	EAST UMATILLA
Legal Tract	100
Legal Block	20
Legal Lot Number	4-6 5
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2050
Census Tract	30109

Owner

40823 W 4th Ave is owned and occupied by an individual who bought it in August 2018.

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	40823 W 4TH AVE, UMATILLA, FL 32784-9286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2018 · Amount on File
Deed Sale	Aug 10, 2018 · Amount on File
Prior Sale	Aug 24, 2015 · Amount on File
Deed Document Number	2018093644
Deed Book / Page	5153 / 0615
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 10, 2018
Property Address	40823 W 4TH AVE, UMATILLA, FL 32784-9286
Document Number	0051530615
Book / Page	5153 / 0615
Map Reference	MB 6 PG 87-95
Instrument Date	Aug 3, 2018
Instrument	2018093644
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3508 DOLPHIN DR, 3508, SEBRING, FL 33870-1059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40823 W 4TH AVE, UMATILLA, FL 32784-9286

Mortgage

Document Number	2018093645
Date	Aug 10, 2018
Instrument	2018093645

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

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		$111,798 Land $38,813 Building $72,985	$130,999 Land $38,813 Building $92,186
2024	$1,840.00 (+20.1%)
2023	$1,532.00 (+17.67%) Homeowner's exemption	$100,275 (+8.36%)	$113,172 (+12.91%) Land $38,813 Building $74,359
2022	$1,302.00 Homeowner's exemption	$92,536	$100,234 Land $25,875 Building $74,359

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40823 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 40823 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 Risk	Moderate above 45% of the US · lower than 84% 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