Lake County property record for 512 Winogene Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,505 sqft · built 1973 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $248,000 (Dec 2022) |
| Tax Bill | $3,901 (2024) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-26-0600-019-02000 |
| Primary APN | 12-18-26-0600-019-02000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,505 sqft Living Area |
| 1st Floor Area | 1,505 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 18,000 sqft (0.413 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 124 sqft |
| Utility Building | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1129877 |
|---|---|
| Street Address | 512 WINOGENE AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12 |
| Legal Description | UMATILLA NORTH UMATILLA LOTS 20 21 22 BLK 19 PB 6 PGS 35-37 ORB 6065 PG 964 ORB 6090 PG 92 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 12 |
| Legal Subdivision | NORTH UMATILLA |
| Legal Tract | 0600 |
| Legal Block | 19 |
| Legal Lot Number | 20 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 30110 |
Source: Lake County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 514 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WATERSTONE MORTGAGE CORP |
| Feb 7, 2023 | Correction Deed · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Dec 13, 2022 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Deed Document Number | 2022159442 |
| Deed Book / Page | 6065 / 964 |
| Last Transfer Date | Feb 2, 2023 |
| Transfer Doc | 0060900092 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 512 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 512 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Document Number | 0060900105 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 6090/105 |
| Instrument | 2023014407 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Feb 7, 2023 |
| Property Address | 512 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Document Number | 0060900092 |
| Book / Page | 6090 / 92 |
| Map Reference | MB 6 PG 35 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 2023014405 |
| Record Updated | May 18, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2070, UMATILLA, FL 32784-2070 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 514 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Document Number | 0000609094 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | 6090/94 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 13, 2022 |
| Property Address | 512 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Document Number | 0060650964 |
| Book / Page | 6065 / 964 |
| Map Reference | MB 6 PG 35 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 2022159442 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2070, UMATILLA, FL 32784-2070 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 514 WINOGENE AVE, UMATILLA, FL 32784-8114 |
| Document Number | 0006065966 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 6065/966 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Number | 0060650977 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 6065/977 |
| Instrument | 2022159444 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $242,100 (+2.9%) | $281,151 (-) Land $131,250 Building $149,901 | |
| 2025 | $235,280 (+5.14%) Land $131,250 Building $104,030 | $281,151 (+25.64%) Land $131,250 Building $149,901 | |
| 2024 | $3,901.00 (+3.31%) | ||
| 2023 | $3,776.00 (+512.99%) Homeowner's exemption | $223,774 (+234.14%) | $223,774 (+18.85%) Land $78,750 Building $145,024 |
| 2022 | $616.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $66,970 | $188,283 Land $57,750 Building $130,533 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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