Lake County property record for 41301 Co Rd 439, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 2002 |
| Lot Size | 20.1 acres (877,298 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Sep 2019) |
| Tax Bill | $2,558 (2024) |
| Deeds & Mortgages | Jul 2021 Construction Loan Sep 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-18-27-0004-000-00500 |
| Primary APN | 03-18-27-0004-000-00500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 877,298 sqft (20.1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3319699 |
|---|---|
| Street Address | 41301 COUNTY ROAD 439 |
| City | UMATILLA |
| State | FL |
| Zip | 32784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT NW COR OF SE 1/4 RUN S 0-26-40 E 628.13 FT S 89-29-58 E 1270.26 FT S 0-33-07 E 650 FT S 89-29-54 E 60 FT N 0-33-08 W |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 03 |
| Legal Subdivision | ACREAGE OR UNREC |
| Legal Tract | 4 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30109 |
41301 Co Rd 439 is owned and occupied by an individual who bought it in September 2019.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 41301 COUNTY ROAD 439, UMATILLA, FL 32784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 30, 2021 | Deed of Trust, Mortgage · Construction Mortgage UNITED SOUTHERN BANK |
| Sep 20, 2020 | Loan Modification, Mortgage NOT AVAILABLE |
| Sep 25, 2019 | Warranty Deed, Transfer · Line of Credit UNITED SOUTHERN BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2019 · Amount on File |
| Deed Sale | Sep 25, 2019 · Amount on File |
| Prior Sale | May 11, 2007 |
| Deed Document Number | 2019107859 |
| Deed Book / Page | 5346 / 2099 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 41301 COUNTY ROAD 439, UMATILLA, FL 32784 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 470 CASSADY ST, UMATILLA, FL 32784-8852 |
| Document Number | 0057621783 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | 5762/1783 |
| Instrument | 2021105104 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 30, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 41301 COUNTY ROAD 439, UMATILLA, FL 32784-8323 |
| Document Number | 0055781595 |
| Instrument Date | Sep 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 470 CASSADY ST UMATILLA FL 327848852, UMATILLA, FL 32784-8852 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 25, 2019 |
| Property Address | 41301 COUNTY ROAD 439, UMATILLA, FL 32784-8323 |
| Document Number | 0053462099 |
| Book / Page | 5346 / 2099 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 2019107859 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 271 TECUMSEH RD, 271, MONTICELLO, FL 32344-3529 |
| Name | Verified Name |
|---|---|
| Address | 470 CASSADY ST, UMATILLA, FL 32784-8852 |
| Document Number | 0053462101 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 5346/2101 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 20, 2020 |
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 | $171,237 Land $25,099 Building $146,138 | $308,088 Land $25,099 Building $282,989 | |
| 2024 | $2,558.00 (-4.23%) | ||
| 2023 | $2,671.00 (+796.31%) | $166,402 (+2,260.65%) | $303,253 (+100.76%) Land $25,099 Building $278,154 |
| 2022 | $298.00 | $7,049 | $151,050 Land $7,049 Building $144,001 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 41301 Co Rd 439 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 41301 Co Rd 439 is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
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