451 Edgewater Ave, Umatilla, FL 32784 Property Records

Lake County property record for 451 Edgewater Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 1990
Lot Size	0.29 acres (12,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Feb 2025)
Tax Bill	$3,558 (2024)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-18-26-0700-000-10800`

Property Details

APN / Parcel Number

Primary APN	`12-18-26-0700-000-10800`
Alternative APNs	`261812070000010800` `2843675`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,614 sqft (0.29 acres)
Lot Dimensions	83 ft deep x 75 ft wide
Porch	Screened/Unfinished Porch
Porch Area	204 sqft
Utility Building	1,210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2843675
Street Address	451 EDGEWATER AVE
City	UMATILLA
State	FL
Zip	32784-8191
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	UMATILLA OSCEOLA PARK LOTS 108 110 PB 8 PG 46 ORB 6477 PG 1522
Legal Range	26E
Legal Township	18S
Legal Section	12
Legal Subdivision	UMATILLA OSCEOLA PARK
Legal Tract	0700
Legal Lot Number	108
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1051
Census Tract	30110

Owner

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	451 EDGEWATER AVE, UMATILLA, FL 32784-8191
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	202519795
Deed Book / Page	6477 / 1522
Prior Transfer Date	Jun 3, 2019
Prior Transfer Doc	0052891512
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jun 5, 2019
Property Address	451 EDGEWATER AVE, UMATILLA, FL 32784-8191
Document Number	0052891512
Book / Page	5289 / 1512
Map Reference	MB 8 PG 46
Instrument Date	Jun 3, 2019
Instrument	2019062496
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18649 BAKER RD, 18649, UMATILLA, FL 32784-7902

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	451 EDGEWATER AVE, UMATILLA, FL 32784-8191

Mortgage

Document Number	2019062497
Date	Jun 5, 2019
Instrument	2019062497

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$239,382 (-) Land $87,500 Building $151,882	$239,382 (-) Land $87,500 Building $151,882
2025		$239,382 (+20.66%) Land $87,500 Building $151,882	$239,382 (+20.66%) Land $87,500 Building $151,882
2024	$3,558.00 (+7.2%)
2023	$3,319.00 (+12.13%)	$198,390 (+16.75%)	$198,390 (+16.75%) Land $52,500 Building $145,890
2022	$2,960.00	$169,922	$169,922 Land $38,500 Building $131,422

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 500 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.08% 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 165 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