40932 W 2nd Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40932 W 2nd Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1985
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on File
Last Sale	$40,200 (Sep 2023)
Tax Bill	$1,596 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-18-27-0100-012-03900`

Property Details

APN / Parcel Number

Primary APN	`08-18-27-0100-012-03900`
Alternative APNs	`271808010001203900` `1227071`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,592 sqft
1st Floor Area	1,424 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	168 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	274 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1227071
Street Address	40932 W 2ND AVE
City	UMATILLA
State	FL
Zip	32784-8015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST UMATILLA LOTS 39 40 41 BLK 12 PB 6 PGS 87-95 ORB 4559 PG 2131 ORB 6210 PG 2015
Legal Range	27E
Legal Township	18S
Legal Section	8
Legal Subdivision	EAST UMATILLA
Legal Tract	0100
Legal Block	12
Legal Lot Number	39
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2053
Census Tract	30109

Owner

40932 W 2nd Ave is owned and occupied by two individuals who bought it in September 2023.

Source: Lake County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40932 W 2ND AVE, UMATILLA, FL 32784-8015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Dec 9, 2014 · Amount on File
Deed Document Number	2023113030
Deed Book / Page	6210 / 2015
Prior Transfer Date	Nov 19, 2012
Prior Transfer Doc	0042421164
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Sep 14, 2023
Property Address	40932 W 2ND AVE, UMATILLA, FL 32784-8015
Document Number	0062102015
Book / Page	6210 / 2015
Map Reference	MB 6 PG 87
Instrument Date	Aug 31, 2023
Instrument	2023113030
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Tax	$281.40
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40932 W 2ND AVE, UMATILLA, FL 32784-8015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40932 W 2ND AVE, UMATILLA, FL 32784-8015

Mortgage

Document Number	0062102018
Date	Sep 14, 2023
Instrument	6210/2018

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$106,290 (+2.89%)	$188,728 (-) Land $38,813 Building $149,915
2025		$103,300 Land $38,813 Building $64,487	$188,728 Land $38,813 Building $149,915
2024	$1,596.00 (+17.18%)
2023	$1,362.00 (+15.72%) Homeowner's exemption	$97,470 (+2.99%)	$158,996 (+8.86%) Land $38,813 Building $120,183
2022	$1,177.00 Homeowner's exemption	$94,640	$146,058 Land $25,875 Building $120,183

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

Flood

FEMA maps place 40932 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

Wildfire risk around 40932 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.

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