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40904 W 6th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40904 W 6th Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,100 sqft · built 1988
Lot Size0.264 acres (11,500 sqft)
OwnerIndividual Name on Record
Last Sale$120,000 (May 2018)
Tax Bill$1,840 (2024)
Deeds & MortgagesJun 2021 Mortgage
May 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-016-02800

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-016-02800
Alternative APN
  • 1227453

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,100 sqft Living Area
1st Floor Area1,100 sqft

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2017
Exterior MaterialBrick
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area11,500 sqft (0.264 acres)
Lot Dimensions115 ft deep x 100 ft wide
Garage TypeFinished
Garage Area286 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area346 sqft
Utility Building154 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number1227453
Street Address40904 W 6TH AVE
CityUMATILLA
StateFL
Zip32784-8875
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAST UMATILLA LOTS 28 29 30 31 BLK 16 PB 6 PGS 87-95 ORB 5112 PG 2397
Legal Range27E
Legal Township18S
Legal Section08
Legal SubdivisionEAST UMATILLA
Legal Tract100
Legal Block16
Legal Lot Number28-31 29
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2050
Census Tract30109

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address40904 W 6TH AVE, UMATILLA, FL 32784-8875
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
May 21, 2018Warranty Deed, Transfer · FHA Mortgage
CENTURY LENDING CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 21, 2018 · Amount on Record
Deed SaleMay 21, 2018 · Amount on Record
Prior SaleJul 9, 2015 · Amount on Record
Deed Document Number2018058938
Deed Book / Page5112 / 2397
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address40904 W 6TH AVE, UMATILLA, FL 32784-8875
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address40904 W 6TH AVE, UMATILLA, FL 32784-8875

Mortgage

Document Number0057270464
DateJun 10, 2021
Book Page5727/464
Instrument2021080045
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMay 21, 2018
Property Address40904 W 6TH AVE, UMATILLA, FL 32784-8875
Document Number0051122397
Book / Page5112 / 2397
Map ReferenceMB 6 PG 87-95
Instrument DateMay 17, 2018
Instrument2018058938
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanyWATSON TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$840.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1724, UMATILLA, FL 32784-1724

Transferred To (Grantee/Buyer)

NameVerified Name
Address40904 W 6TH AVE, UMATILLA, FL 32784-8875

Mortgage

Document Number2018058939
DateMay 21, 2018
Instrument2018058939
Lender
NameCENTURY LENDING CO
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2048

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$121,770 (+5.98%) Land $51,750 Building $70,020$182,703 (+6.79%) Land $51,750 Building $130,953
2024$1,840.00 (+15.29%)
2023$1,596.00 (+13.03%) Homeowner's exemption$114,900 (+2.99%)$171,090 (+15.14%) Land $67,500 Building $103,590
2022$1,412.00 Homeowner's exemption$111,560$148,590 Land $45,000 Building $103,590

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 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
beyond ember reach

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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