Lake County property record for 40909 W 2nd Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,364 sqft · built 1991 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $67,000 (Dec 1998) |
| Tax Bill | $1,488 (2024) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-18-27-0100-013-01400 |
| Primary APN | 08-18-27-0100-013-01400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 1,364 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 11,500 sqft (0.264 acres) |
| Lot Dimensions | 115 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 328 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Utility Building | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1716161 |
|---|---|
| Street Address | 40909 W 2ND AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST UMATILLA LOTS 14 15 16 17 BLK 13 PB 6 PGS 87-95 ORB 1665 PG 1602 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 08 |
| Legal Subdivision | EAST UMATILLA |
| Legal Tract | 100 |
| Legal Block | 13 |
| Legal Lot Number | 14-17 15 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 30109 |
The current owner of 40909 W 2nd Ave bought it in December 1998.
Source: Lake County records, as of December 15, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 40909 W 2ND AVE, UMATILLA, FL 32784-8016 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 1998 · Amount on File |
| Deed Sale | Dec 2, 1998 · Amount on File |
| Deed Document Number | 0166501602 |
| Deed Book / Page | 01665 / 01602 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 40909 W 2ND AVE, UMATILLA, FL 32784-8016 |
| Document Number | 0051321308 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40909 W 2ND AVE UMATILLA FL 327848016, UMATILLA, FL 32784-8016 |
| Document Number | 0051321308 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 005132/001308 |
| Instrument | 75823 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 28, 2033 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $95,080 Land $51,750 Building $43,330 | $195,910 Land $51,750 Building $144,160 | |
| 2024 | $1,488.00 (+18.28%) | ||
| 2023 | $1,258.00 (+17.24%) Homeowner's exemption | $89,710 (+3%) | $167,464 (+11.48%) Land $51,750 Building $115,714 |
| 2022 | $1,073.00 Homeowner's exemption | $87,100 | $150,214 Land $34,500 Building $115,714 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40909 W 2nd 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 risk around 40909 W 2nd Ave is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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