Lake County property record for 455 Brainard Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,182 sqft · built 1930 |
| Lot Size | 0.285 acres (12,406 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Jul 2026) |
| Tax Bill | $1,467 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-26-0700-000-11700 |
| Primary APN | 12-18-26-0700-000-11700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,182 sqft Living Area |
| 1st Floor Area | 1,182 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 12,406 sqft (0.285 acres) |
| Lot Dimensions | 123 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 220 sqft |
| Utility Building | 307 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1201799 |
|---|---|
| Street Address | 455 BRAINARD AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA OSCEOLA PARK LOTS 117 118 PB 8 PG 46 ORB 4841 PG 1879 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 12 |
| Legal Subdivision | UMATILLA OSCEOLA PARK |
| Legal Tract | 0700 |
| Legal Lot Number | 117 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 30110 |
455 Brainard Ave is owned and occupied by two individuals who bought it in July 2026.
Source: Lake County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jul 16, 2026 | Quit Claim Deed, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING |
| Sep 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage R P FUNDING |
| Jun 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2026 · Amount on File |
| Deed Sale | Jul 16, 2026 · Amount on File |
| Prior Sale | Sep 28, 2016 · Amount on File |
| Deed Document Number | 202687758 |
| Deed Book / Page | 6777 / 2015 |
| Prior Transfer Date | Jul 10, 2026 |
| Prior Transfer Doc | 0000087758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0000087758 |
| Book / Page | 6777 / 2015 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202687758 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | WESTCOR LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0000087759, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 202687759 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0060261508 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 6026/1508 |
| Instrument | 2022126257 |
| Name | R P FUNDING |
|---|---|
| Type | Non-Lending Institution |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 455 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0051291277 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 455 BRAINARD AVE UMATILLA FL 32784, UMATILLA, FL 32784 |
| Document Number | 0051291277 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 005129/001277 |
| Instrument | 73285 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 24, 2048 |
The 2025 property tax bill for 455 Brainard Ave was $1,467 with a homeowner's exemption, up 11.4% from the year before.
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 | $103,270 (+2.9%) | $213,413 (-) Land $87,500 Building $125,913 | |
| 2025 | $1,467.00 (+11.39%) Homeowner's exemption | $100,360 Land $87,500 Building $12,860 | $213,413 Land $87,500 Building $125,913 |
| 2024 | $1,317.00 (+4.86%) | ||
| 2023 | $1,256.00 (+9.03%) Homeowner's exemption | $94,700 (+2.99%) | $174,223 (+17.54%) Land $52,500 Building $121,723 |
| 2022 | $1,152.00 Homeowner's exemption | $91,950 | $148,224 Land $38,500 Building $109,724 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 455 Brainard Ave 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 455 Brainard Ave is moderate, ranking above 40% of the US, with a 0.08% annual chance of 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.
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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