Lake County property record for 465 Winogene Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,416 sqft · built 1980 |
| Lot Size | 0.276 acres (11,999 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $67,000 (Mar 2013) |
| Tax Bill | $1,240 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-26-0300-00B-01600 |
| Primary APN | 12-18-26-0300-00B-01600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| Gross Area | 1,916 sqft |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 11,999 sqft (0.276 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 308 sqft |
| Utility Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1737451 |
|---|---|
| Street Address | 465 WINOGENE AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA W W SMITHS RESUB LOTS 16 17 BLK B PB 6 PG 109 ORB 4298 PG 807 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 12 |
| Legal Subdivision | UMATILLA W W SMITHS RESUB |
| Legal Tract | 0300 |
| Legal Block | B |
| Legal Lot Number | 16 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 30110 |
Source: Lake County records, as of October 5, 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 WINOGENE AVE, UMATILLA, FL 32784-8113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2013 · Amount on Record |
| Deed Sale | Mar 27, 2013 · Amount on Record |
| Prior Sale | Sep 4, 2012 · Amount on Record |
| Deed Document Number | 201333531 |
| Deed Book / Page | 4298 / 807 |
| Prior Transfer Date | Aug 10, 2012 |
| Prior Transfer Doc | 0042080295 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 22, 2026 |
| Property Address | 465 WINOGENE AVE, UMATILLA, FL 32784-8113 |
| Document Number | 0000116563 |
| Book / Page | 6816 / 1579 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 2026116563 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 465 WINOGENE AVE, UMATILLA, FL 32784-8113 |
| Investor | Possibly a Property Investor |
| Document Number | 0000116563, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 6816/1579 |
| Instrument | 2026116563 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 465 WINOGENE AVE, UMATILLA, FL 32784-8113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054420561 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 5442/561 |
| Instrument | 2020034435 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2035 |
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 | $91,410 (+2.89%) | $236,480 (-0.01%) Land $87,500 Building $148,980 | |
| 2025 | $1,240.00 (+13.04%) Homeowner's exemption | $88,840 (+7.59%) Land $87,500 Building $1,340 | $236,513 (+21.41%) Land $87,500 Building $149,013 |
| 2024 | $1,097.00 (+7.65%) | ||
| 2023 | $1,019.00 (+11.12%) Homeowner's exemption | $82,570 (+2.99%) | $194,804 (+16.93%) Land $52,500 Building $142,304 |
| 2022 | $917.00 Homeowner's exemption | $80,170 | $166,597 Land $38,500 Building $128,097 |
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 |
|---|---|
| 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 | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures