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495 Guerrant St, Umatilla, FL 32784 Property Records

Lake County property record for 495 Guerrant St, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,934 sqft · built 2018
Lot Size0.66 acres (28,750 sqft)
OwnerIndividual Name on Record
Last Sale$510,000 (Mar 2025)
Tax Bill$3,748 (2024)
Deeds & MortgagesJun 2021 Line of Credit
Feb 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN14-18-26-0001-000-12200

Property Details

APN / Parcel Number

Primary APN14-18-26-0001-000-12200
Alternative APN
  • 3850802

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,934 sqft Living Area
1st Floor Area1,934 sqft

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2024
Exterior MaterialBrick Veneer
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area28,750 sqft (0.66 acres)
Garage TypeFinished
Garage Area801 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Porch Area355 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number3850802
Street Address495 GUERRANT ST
CityUMATILLA
StateFL
Zip32784-9300
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS 126.33 FT OF THE FOLLOWING DESCRIBED PARCEL: FROM NE COR OF SEC RUN S 1075.89 FT TO CENTERLINE OF GUERRANT ST N 89-10-30 W
Legal Range26E
Legal Township18S
Legal Section14
Legal SubdivisionACREAGE
Legal Tract1
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1063
Census Tract30110

Owner

Source: Lake County records, as of December 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address495 GUERRANT ST, UMATILLA, FL 32784-9300
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 2, 2021Deed of Trust, Mortgage · Line of Credit
INSIGHT CU
Feb 7, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN INTERNET MORTGAGE INC
Dec 20, 2017Trustee's Deed, Construction Loan · Construction Mortgage
BRANCH BK&TR
Aug 14, 2017Warranty Deed, Transfer
LIBERTY TITLE MT DORA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 20, 2025 · Amount on Record
Deed SaleMar 20, 2025 · Amount on Record
Prior SaleAug 14, 2017 · Amount on Record
Deed Document Number2025034039
Deed Book / Page6495 / 236
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address495 GUERRANT ST, UMATILLA, FL 32784-9300
Transaction TypeMortgage
Record UpdatedMay 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address495 GUERRANT ST, UMATILLA, FL 32784-9300

Mortgage

Document Number0057201437
DateJun 2, 2021
Book Page5720/1437
Instrument2021075344
Lender
NameINSIGHT CU
TypeCredit Union
AddressWINTER SPRINGS, FL 32708
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJun 1, 2041
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE FL
Property Address495 GUERRANT ST, UMATILLA, FL 32784-9300
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054181285
DateFeb 7, 2020
Book Page5418/1285
Instrument2020016120
Lender
NameAMERICAN INTERNET MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMar 1, 2035

December 2017: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionLAKE FL
Recording DateDec 20, 2017
Property Address495 GUERRANT ST, UMATILLA, FL 32784-9300
Document Number0050430276
Book / Page005043 / 000276
Instrument DateDec 12, 2017
Instrument135573
Transaction TypeConstruction Loan
Record UpdatedJan 4, 2018
Title CompanyAPPLE TITLE LIMITED

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address22432 ORANGE BLOSSOM LN EUSTIS FL 327369454, EUSTIS, FL 32736-9454

Mortgage

Document Number50430276
DateDec 20, 2017
Book Page005043/000276
Instrument135573
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term384 Months
DueDec 19, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 14, 2017
Property Address495 GUERRANT ST, UMATILLA, FL 32784-9300
Document Number0049862021
Book / Page004986 / 002021
Instrument DateAug 11, 2017
Instrument87765
Transaction TypeTransfer
Record UpdatedSep 7, 2017
Title CompanyLIBERTY TITLE MT DORA

Transaction

AmountAmount Recorded
Tax$105.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address22452 ORANGE BLOSSOM LN EUSTIS FL 327369454, EUSTIS, FL 32736-9454

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$298,617 (+39.23%) Land $26,400 Building $272,217$298,617 (+2.88%) Land $26,400 Building $272,217
2024$3,748.00 (+4.26%)
2023$3,595.00 (+3.54%) Homeowner's exemption$214,470 (+3%)$290,265 (+16.68%) Land $26,400 Building $263,865
2022$3,472.00 Homeowner's exemption$208,230$248,770 Land $15,840 Building $232,930

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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