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431 Edgewater Ave, Umatilla, FL 32784 Property Records

Lake County property record for 431 Edgewater Ave, Umatilla, FL 32784 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 2014
Square Footage1,152 sqft Living Area
Lot Size15,559 sqft (0.357 acres)
OccupancyOwner Occupied
Last Sale$168,000 (2020)
Tax Bill$2,305.00 (2025)

Property Details

APN / Parcel Number

Primary APN12-18-26-0700-000-10300
Alternative APNs
  • 261812070000010300
  • 1755310

Interior

Bedrooms3 Beds
Full Baths1 Baths
Building Area1,152 sqft Living Area
1st Floor1,152 sqft 1st Floor
Stories1 Stories

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 2014
Exterior MaterialWood Exterior
Construction TypeFrame Construction
Roof ConstructionSawtooth Roof Construction
Roof MaterialMetal Roof
Lot Area15,559 sqft (0.357 acres)
Depth X Width110 ft x 55 ft Depth x Width
Porch Area96 sqft Porch
Utility Building300 sqft Utility Building

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Account Number1755310
Street Address431 EDGEWATER AVE
CityUMATILLA
StateFL
Zip32784-8191
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionUMATILLA OSCEOLA PARK BEG AT MOST W'LY COR OF LOT 103 RUN NE'LY 72.90 FT TO PT 50.60 FT N OF NE'LY COR OF LOT 104 NE'LY TO NE'LY LINE OF LOT 103 AT PT 45 FT SE'LY FROM MOST N'LY COR OF LOT 103 NW'LY TO MOST N'LY COR OF LOT 103 SW'LY ALONG LOT LINE TO
Legal Range26E
Legal Township18S
Legal Section12
Legal SubdivisionUMATILLA OSCEOLA PARK
Legal Tract0700
Legal Lot Number103
JurisdictionLAKE FL
Minor Civil DivisionUMATILLA
Census Blockgroup1
Census Block1051
Census Tract30110

Owner

Source: Lake County records · APN 12-18-26-0700-000-10300

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address431 EDGEWATER AVE, UMATILLA, FL 32784-8191
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2026Warranty Deed, Transfer · Veterans Administration Mortgage
GOLD STAR MORTGAGE CORPORATION
Nov 19, 2020Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FINANCIAL GROUP INC
Jul 27, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 19, 2020 · Amount on Record
Deed SaleNov 19, 2020 · Amount on Record
Prior SaleSep 18, 2015 · Amount on Record
Deed Doc Number2020130967
Deed Book / Page5586 / 405
Prior Transfer DateJul 21, 2018
Prior Transfer Doc0051460246
Record RefreshedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJul 21, 2026
Property Address431 EDGEWATER AVE, UMATILLA, FL 32784-8191
Document Number0000089445
Book / Page6780 / 144
Instrument DateJul 17, 2026
Instrument202689445
Transaction TypeTransfer
Record UpdatedAug 04, 2026
Title CompanyGENESIS TITLE CORPORATION, GENESIS TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$152,005.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2310 GABLES DR, EUSTIS, FL 32726-2080

Mortgage

Document Number0000089446,
DateJul 21, 2026
Instrument202689446
Lender
NameGOLD STAR MORTGAGE CORPORATION
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.48%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateNov 19, 2020
Property Address431 EDGEWATER AVE, UMATILLA, FL 32784-8191
Document Number0055860405
Book / Page5586 / 405
Map ReferenceMB 8 PG 46
Instrument DateNov 12, 2020
Instrument2020130967
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,176.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address47 DAVIS AVE, 47, UMATILLA, FL 32784-8606

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 EDGEWATER AVE, UMATILLA, FL 32784-8191

Mortgage

Document Number0005586407
DateNov 19, 2020
Instrument5586/407
Lender
NameMORTGAGE FINANCIAL GROUP INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateJul 27, 2018
Property Address431 EDGEWATER AVE, UMATILLA, FL 32784-8191
Document Number0051460246
Book / Page005146 / 000246
Instrument DateJul 21, 2018
Instrument87526
Transaction TypeTransfer
Record UpdatedNov 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address47 DAVIS AVE UMATILLA FL 327848606, UMATILLA, FL 32784-8606

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$147,010 (+2.9%)$230,074 (-0.01%) Land $107,625 Building $122,449
2025$2,305.00 (+8.17%) Homeowner's exemption$142,870 (+5.98%) Land $107,625 Building $35,245$230,104 (+25.71%) Land $107,625 Building $122,479
2024$2,131.00 (+4.51%)
2023$2,039.00 (+5.7%) Homeowner's exemption$134,810 (+2.99%)$183,041 (+10.4%) Land $64,575 Building $118,466
2022$1,929.00 Homeowner's exemption$130,890$165,791 Land $47,355 Building $118,436

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 40% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,220 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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