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40939 W 4th Ave, Umatilla, FL 32784 Property Records

Lake County property record for 40939 W 4th Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,328 sqft · built 2018
Lot Size0.281 acres (12,248 sqft)
Owner2 Individual Names on File
Last Sale$335,000 (Apr 2025)
Tax Bill$3,858 (2024)
Deeds & MortgagesDec 2023 Sale & Mortgage
Mar 2022 Transfer
+ 4 more
Flood ZoneZone X (minimal risk)
APN08-18-27-0100-015-00100

Property Details

APN / Parcel Number

Primary APN08-18-27-0100-015-00100
Alternative APNs
  • 271808010001500100
  • 3275942

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,328 sqft Living Area
Gross Area1,728 sqft
1st Floor Area1,328 sqft

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialAsphalt
Lot Area12,248 sqft (0.281 acres)
Lot Dimensions115 ft deep x 107 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area184 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3275942
Street Address40939 W 4TH AVE
CityUMATILLA
StateFL
Zip32784-8010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionEAST UMATILLA LOTS 1 2 3 4 BLK 15 PB 6 PGS 87-95 ORB 6513 PG 410
Legal Range27E
Legal Township18S
Legal Section8
Legal SubdivisionEAST UMATILLA
Legal Tract0100
Legal Block15
Legal Lot Number1
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group2
Census Block2050
Census Tract30109

Owner

40939 W 4th Ave is owned and occupied by two individuals who bought it in April 2025.

Source: Lake County records, as of March 6, 2026

Owner of Record2 Individual Names on File
Mailing Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Dec 12, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Mar 21, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 3, 2021Warranty Deed, Transfer
MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Oct 15, 2018Warranty Deed, Transfer
HOMELAND TITLE SERVICES INC
Aug 22, 2018Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 10, 2017Warranty Deed, Transfer
APPLE TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 21, 2025 · Amount on File
Deed SaleApr 21, 2025 · Amount on File
Prior SaleDec 12, 2023 · Amount on File
Deed Document Number202548300
Deed Book / Page6513 / 410
Prior Transfer DateMar 4, 2022
Prior Transfer Doc0059202030
Record UpdatedJun 8, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateDec 12, 2023
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0062560282
Book / Page6256 / 282
Map ReferenceMB 6 PG 87
Instrument DateDec 1, 2023
Instrument2023150916
Transaction TypeTransfer
Record UpdatedDec 26, 2023
Title CompanyAPPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,156.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address220 MADERA ST, LOS OSOS, CA 93402-4203

Transferred To (Grantee/Buyer)

NameVerified Name
Address40939 W 4TH AVE, UMATILLA, FL 32784-8010

Mortgage

Document Number0006256288
DateDec 12, 2023
Instrument6256/288
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2054

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateMar 21, 2022
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0059202030
Book / Page5920 / 2030
Map ReferenceMB 6 PG 87
Instrument DateMar 4, 2022
Instrument2022039154
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address40939 W 4TH AVE, UMATILLA, FL 32784-8010

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMar 3, 2021
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0056541019
Book / Page5654 / 1019
Map ReferenceMB 6 PG 87
Instrument DateFeb 26, 2021
Instrument2021028728
Transaction TypeTransfer
Record UpdatedMay 18, 2023
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

AmountAmount on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13808 FLORIDA AVE, ASTATULA, FL 34705-9459

Transferred To (Grantee/Buyer)

NameVerified Name
Address40939 W 4TH AVE, UMATILLA, FL 32784-8010

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateOct 15, 2018
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0051840887
Book / Page005184 / 000887
Instrument DateOct 5, 2018
Instrument120927
Transaction TypeTransfer
Record UpdatedOct 25, 2018
Title CompanyHOMELAND TITLE SERVICES INC

Transaction

AmountAmount on Record
Tax$1,169.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address40929 W 4TH AVE UMATILLA FL 32784, UMATILLA, FL 32784

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 22, 2018
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0051572323
Book / Page5157 / 2323
Map ReferenceMB 6 PG 87
Instrument DateAug 20, 2018
Instrument2018097819
Transaction TypeTransfer
Record UpdatedMar 31, 2022
Title CompanyHOMELAND TITLE SERVICES INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,211.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address40939 W 4TH AVE, UMATILLA, FL 32784-8010

Mortgage

Document Number2018097820
DateAug 22, 2018
Instrument2018097820
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2048

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJul 10, 2017
Property Address40939 W 4TH AVE, UMATILLA, FL 32784-8010
Document Number0049690717
Book / Page004969 / 000717
Instrument DateJul 7, 2017
Instrument73474
Transaction TypeTransfer
Record UpdatedAug 1, 2017
Title CompanyAPPLE TITLE

Transaction

AmountAmount on Record
Tax$98.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address346 RALEIGH PL OVIEDO FL 327656231, OVIEDO, FL 32765-6231

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$228,292 (-) Land $55,373 Building $172,919$228,292 (-) Land $55,373 Building $172,919
2025$228,292 Land $55,373 Building $172,919$228,292 Land $55,373 Building $172,919
2024$3,858.00 (+28.47%)
2023$3,003.00 (+3.09%)$181,187 (-)$181,187 (-) Land $34,500 Building $146,687
2022$2,913.00$181,187$181,187 Land $34,500 Building $146,687

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

Flood

FEMA maps place 40939 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 40939 W 4th 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 RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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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