45 Cayman Cir, Umatilla, FL 32784 Property Records

Lake County property record for 45 Cayman Cir, Umatilla, FL 32784

Property Summary

Property Type	Mobile Home
Details	3 bd · 3 ba · 1,000 sqft · built 1991
Lot Size	0.509 acres (22,161 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (May 2022)
Tax Bill	$851 (2024)
Deeds & Mortgages	Aug 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-18-26-0015-000-02600`

Property Details

APN / Parcel Number

Primary APN	`14-18-26-0015-000-02600`
Alternative APNs	`261814001500002600` `3551036`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2016
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	22,161 sqft (0.509 acres)
Lot Dimensions	162 ft deep x 62 ft wide
View / Lot	Lake Front
Garage Type	Carport
Garage Area	940 sqft
Carport	Carport
Carport Area	940 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	128 sqft
Porch	Open Porch
Porch Area	240 sqft
Deck Area	Deck Area
Utility Building	320 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	3551036
Street Address	45 CAYMAN CIR
City	UMATILLA
State	FL
Zip	32784-9085
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	MHS
Legal Description	UMATILLA LAKE MARY ESTATES SUB LOTS 26 27 THAT PART OF LOT 28 DESC AS FOLLOWS: FROM SW'LY COR OF LOT 28 RUN N 29-32-50 E ALONG W'LY LINE OF LOT 28 A DISTANCE OF 125.53 FT FOR POB RUN N 11-07-20 W ALONG W'LY LINE OF LOT 28 A DIST OF 103 FT TO WATERS O
Legal Range	26E
Legal Township	18S
Legal Section	14
Legal Subdivision	UMATILLA LAKE MARY ESTATES SUB
Legal Tract	0015
Legal Lot Number	26
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1063
Census Tract	30110

Owner

Source: Lake County records, as of March 6, 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	45 CAYMAN CIR, UMATILLA, FL 32784-9085
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Dec 11, 1996 · Amount on Record
Deed Document Number	202266457
Deed Book / Page	5955 / 521
Prior Transfer Date	Feb 11, 2008
Prior Transfer Doc	0035881064
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Aug 16, 2023
Property Address	45 CAYMAN CIR, UMATILLA, FL 32784-9085
Document Number	0061951270
Book / Page	6195 / 1270
Map Reference	MB 28 PG 74-76
Instrument Date	Jul 23, 2023
Instrument	2023099877
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 CAYMAN CIR, UMATILLA, FL 32784-9085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CAYMAN CIR, UMATILLA, FL 32784-9085

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$75,620 (+2.9%)	$242,107 (-0.07%) Land $95,400 Building $146,707
2025		$73,490 (+5.97%)	$242,268 (+43.9%) Land $95,400 Building $146,868
2024	$851.00 (+1.79%)
2023	$836.00 (-36.91%) Homeowner's exemption	$69,348 (-42.36%)	$168,358 (+0.1%) Land $65,400 Building $102,958
2022	$1,325.00 Homeowner's exemption Senior Citizen's exemption	$120,320	$168,197 Land $65,400 Building $102,797

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UMATILLA WATER WORKS (2 WPS) serves 3,948 people · EPA ID FL3351402
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20