Lake County property record for 45 Rose St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,824 sqft · built 1910 |
| Lot Size | 0.639 acres (27,822 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $159,000 (Jun 2019) |
| Tax Bill | $4,185 (2024) |
| Deeds & Mortgages | Mar 2020 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0300-000-00E00 |
| Primary APN | 13-18-26-0300-000-00E00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 27,822 sqft (0.639 acres) |
| Lot Dimensions | 181 ft deep x 151 ft wide |
| Garage Type | Carport |
| Garage Area | 363 sqft |
| Carport | Carport |
| Carport Area | 363 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1201365 |
|---|---|
| Street Address | 45 ROSE ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8985 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA GIVENS SUB TROWELLS LOT E--LESS E 25 FT--LOT F PB 2 PG 30 ORB 5291 PG 1056 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | UMATILLA GIVENS SUB |
| Legal Tract | 0300 |
| Legal Lot Number | E |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1067 |
| Census Tract | 30109 |
Source: Lake County records, as of November 26, 2025
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 ROSE ST, UMATILLA, FL 32784-8985 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2020 | Deed of Trust, Mortgage LOW VA RATES LLC |
| Jun 7, 2019 | Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2019 · Amount on Record |
| Deed Sale | Jun 7, 2019 · Amount on Record |
| Prior Sale | May 11, 2006 · Amount on Record |
| Deed Document Number | 201963929 |
| Deed Book / Page | 5291 / 1056 |
| Prior Transfer Date | Apr 21, 2014 |
| Prior Transfer Doc | 0044761430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 45 ROSE ST, UMATILLA, FL 32784-8985 |
| Document Number | 0054510438 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ROSE ST UMATILLA FL 327848985, UMATILLA, FL 32784-8985 |
| Document Number | 0054510438 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 005451/000438 |
| Instrument | 40573 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | LINDON, UT 84042 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 7, 2019 |
| Property Address | 45 ROSE ST, UMATILLA, FL 32784-8985 |
| Document Number | 0052911056 |
| Book / Page | 5291 / 1056 |
| Map Reference | MB 2 PG 30 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 2019063929 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,113.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 TOWN LANDING RD, 40, NEWAGEN, ME 04576-3325 |
| Name | Verified Name |
|---|---|
| Address | 45 ROSE ST, UMATILLA, FL 32784-8985 |
| Document Number | 2019063930 |
|---|---|
| Date | Jun 7, 2019 |
| Instrument | 2019063930 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $265,625 (-) Land $72,500 Building $193,125 | $265,625 (-) Land $72,500 Building $193,125 | |
| 2025 | $265,625 (+34.15%) Land $72,500 Building $193,125 | $265,625 (+34.15%) Land $72,500 Building $193,125 | |
| 2024 | $4,185.00 (+12.5%) | ||
| 2023 | $3,720.00 (+11.11%) | $198,005 (+15.31%) | $198,005 (+15.31%) Land $43,500 Building $154,505 |
| 2022 | $3,348.00 | $171,712 | $171,712 Land $18,850 Building $152,862 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 138 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 |
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