Lake County property record for 451 Pearl St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,892 sqft · built 2002 |
| Lot Size | 0.464 acres (20,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Apr 2016) |
| Tax Bill | $2,292 (2024) |
| Deeds & Mortgages | Mar 2026 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0350-000-00800 |
| Primary APN | 13-18-26-0350-000-00800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,892 sqft Living Area |
| Gross Area | 2,354 sqft |
| 1st Floor Area | 1,892 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 20,191 sqft (0.464 acres) |
| Lot Dimensions | 153 ft deep x 132 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 195 sqft |
| Deck Area | Deck Area |
| Patio Area | 180 sqft |
| Utility Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3622006 |
|---|---|
| Street Address | 451 PEARL ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA HARDIN HEIGHTS LOT 8 PB 29 PG 49 ORB 4771 PG 249 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | UMATILLA HARDIN HEIGHTS |
| Legal Tract | 0350 |
| Legal Lot Number | 8 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 30110 |
451 Pearl St is owned and occupied by an individual who bought it in April 2016.
Source: Lake County records, as of April 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 451 PEARL ST, UMATILLA, FL 32784-8918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED SOUTHERN BANK |
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2016 · Amount on File |
| Deed Sale | Apr 26, 2016 · Amount on File |
| Prior Sale | Nov 5, 2010 · Amount on File |
| Deed Document Number | 201642590 |
| Deed Book / Page | 4771 / 249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 451 PEARL ST, UMATILLA, FL 32784-8918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 451 PEARL ST, UMATILLA, FL 32784-8918 |
| Document Number | 0067052100 |
|---|---|
| Date | Mar 24, 2026 |
| Book Page | 6705/2100 |
| Instrument | 2026035585 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 11, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 451 PEARL ST, UMATILLA, FL 32784-8918 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 451 PEARL ST, UMATILLA, FL 32784-8918 |
| Document Number | 0058020072 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 5802/72 |
| Instrument | 2021132800 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $155,660 (+2.9%) | $188,616 (-) Land $28,000 Building $160,616 | |
| 2025 | $151,280 Land $28,000 Building $123,280 | $188,616 Land $28,000 Building $160,616 | |
| 2024 | $2,292.00 (+4.47%) | ||
| 2023 | $2,194.00 (+5.38%) Homeowner's exemption | $142,740 (+2.99%) | $182,735 (+8.3%) Land $28,000 Building $154,735 |
| 2022 | $2,082.00 Homeowner's exemption | $138,590 | $168,735 Land $14,000 Building $154,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 Pearl St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 451 Pearl St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
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