Lake County property record for 465 Brainard Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,388 sqft · built 1985 |
| Lot Size | 0.564 acres (24,570 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $159,000 (Aug 2021) |
| Tax Bill | $2,549 (2024) |
| Deeds & Mortgages | Oct 2025 Line of Credit Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-26-0700-000-11900 |
| Primary APN | 12-18-26-0700-000-11900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,388 sqft Living Area |
| Gross Area | 1,616 sqft |
| 1st Floor Area | 1,196 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 24,570 sqft (0.564 acres) |
| Lot Dimensions | 123 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 268 sqft |
| Deck Area | Deck Area |
| Patio Area | 660 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1130280 |
|---|---|
| Street Address | 465 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 119 120 121 122 PB 8 PG 46 ORB 5766 PG 1384 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 12 |
| Legal Subdivision | UMATILLA OSCEOLA PARK |
| Legal Tract | 0700 |
| Legal Lot Number | 119 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 30110 |
Source: Lake County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 5, 2021 | Warranty Deed, Transfer · FHA Mortgage OCMBC INC |
| Oct 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2021 · Amount on Record |
| Deed Sale | Aug 5, 2021 · Amount on Record |
| Prior Sale | Apr 29, 2010 · Amount on Record |
| Deed Document Number | 2021107852 |
| Deed Book / Page | 5766 / 1384 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0066071241 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 6607/1241 |
| Instrument | 2025121783 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 20, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 5, 2021 |
| Property Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0057661384 |
| Book / Page | 5766 / 1384 |
| Map Reference | MB 8 PG 46 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 2021107852 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,113.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 207 4TH ST, APPALACHIA, VA 24216-1922 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Document Number | 0057661386 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 5766/1386 |
| Name | OCMBC INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 465 BRAINARD AVE, UMATILLA, FL 32784-9048 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050190588 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 5019/0588 |
| Instrument | 2017115152 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 23, 2037 |
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 | $169,440 (+2.9%) | $297,353 (-0.05%) Land $148,750 Building $148,603 | |
| 2025 | $164,670 (+5.99%) Land $148,750 Building $15,920 | $297,504 (+24.87%) Land $148,750 Building $148,754 | |
| 2024 | $2,549.00 (+4.47%) | ||
| 2023 | $2,440.00 (+4.86%) Homeowner's exemption Additional exemption filed | $155,370 (+3%) | $238,258 (+23.5%) Land $94,500 Building $143,758 |
| 2022 | $2,327.00 Homeowner's exemption Additional exemption filed | $150,848 | $192,928 Land $63,000 Building $129,928 |
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 | 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.
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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