41540 N Babb Rd, Umatilla, FL 32784 Property Records

Lake County property record for 41540 N Babb Rd, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,338 sqft · built 2000
Lot Size	5 acres (218,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Sep 2023)
Tax Bill	$6,964 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-18-26-0002-000-05200`

Property Details

APN / Parcel Number

Primary APN	`02-18-26-0002-000-05200`
Alternative APNs	`261802000200005200` `3777884`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,338 sqft Living Area
Gross Area	3,014 sqft
1st Floor Area	2,338 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2024
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	218,111 sqft (5 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	402 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3777884
Street Address	41540 N BABB RD
City	UMATILLA
State	FL
Zip	32784-7626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	S 1/2 OF N 1/2 OF S 1/2 OF SW 1/4 OF NW 1/4--LESS W 25 FT FOR RD R/W-- ORB 6376 PG 315
Legal Range	26E
Legal Township	18S
Legal Section	2
Legal Quarter	2
Legal Subdivision	ACREAGE & UNREC PLATS
Legal Tract	0002
Legal Block	2
Legal Lot Number	52
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2015
Census Tract	30110

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	41540 N BABB RD, UMATILLA, FL 32784-7626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit UNITED SOUTHERN BANK
Aug 2, 2024	Warranty Deed, Transfer
Sep 5, 2023	Warranty Deed, Transfer · Seller Carry-Back JAMES R BUMP ETUX
Apr 11, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on Record
Deed Sale	Sep 5, 2023 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2023108164
Deed Book / Page	6204 / 2223
Prior Transfer Date	Mar 30, 2017
Prior Transfer Doc	0049272499
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Recording Date	Sep 2, 2026
Property Address	41540 N BABB RD, UMATILLA, FL 32784-7626
Document Number	0000108151
Book / Page	6805 / 336
Instrument Date	Aug 12, 2026
Instrument	2026108151
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41540 N BABB RD, UMATILLA, FL 32784-7626

Mortgage

Document Number	0000108151,
Date	Sep 2, 2026
Book Page	6805/336
Instrument	2026108151

Lender

Name	UNITED SOUTHERN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 12, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 2, 2024
Property Address	41540 N BABB RD, UMATILLA, FL 32784-7626
Document Number	0063760315
Book / Page	6376 / 315
Instrument Date	Jun 28, 2024
Instrument	2024090789
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41504 N BABB RD, UMATILLA, FL 32784-7626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41540 BABB RD, UMATILLA, FL 32784-7626

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 5, 2023
Property Address	41540 BABB RD, UMATILLA, FL 32784-7626
Document Number	0062042223
Book / Page	6204 / 2223
Instrument Date	Aug 28, 2023
Instrument	2023108164
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	SEAPLANE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 DEARING CEMETERY RD, PRINCETON, KY 42445-7216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41504 N BABB RAOD, UMATILLA, FL 32784-7626

Mortgage

Document Number	0062042225
Date	Sep 5, 2023
Instrument	6204/2225

Lender

Name	JAMES R BUMP ETUX
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE FL
Recording Date	Apr 11, 2017
Property Address	41540 BABB RD, UMATILLA, FL 32784-7626
Document Number	0049272499
Book / Page	004927 / 002499
Instrument Date	Mar 30, 2017
Instrument	38855
Transaction Type	Transfer
Record Updated	Apr 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	82 DEARING CEMETERY RD PRINCETON KY 424456249, PRINCETON, KY 42445-6249

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		$513,150 (+2.9%)	$658,287 (-) Land $402,620 Building $255,667
2025	$6,964.00 (-36.07%)	$498,697 (+62.64%) Land $402,620 Building $96,077	$658,287 (+31.43%) Land $402,620 Building $255,667
2024	$10,893.00 (+1,811.05%)
2023	$570.00 (+41.44%)	$306,630 (+3%)	$500,857 (-18.72%) Land $252,865 Building $247,992
2022	$403.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,700	$616,242 Land $368,250 Building $247,992

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.

Flood

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 Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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 Risk	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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