Lake County property record for 518 Guerrant St, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,014 sqft · built 1910 |
| Lot Size | 0.287 acres (12,482 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (Oct 2023) |
| Tax Bill | $2,064 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Apr 2021 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-2200-00A-00701 |
| Primary APN | 13-18-26-2200-00A-00701 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,014 sqft Living Area |
| 1st Floor Area | 1,014 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,482 sqft (0.287 acres) |
| Lot Dimensions | 151 ft deep x 83 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 21 sqft |
| Utility Building | 1,200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1129451 |
|---|---|
| Street Address | 518 GUERRANT ST |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | UMATILLA MC CREDIES ADD LOT 7--LESS E 82 FT--LOT 8--LESS W 72 FT--BLK A PB 2 PG 3 ORB 6228 PG 2399 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | UMATILLA MC CREDIES ADD |
| Legal Tract | 2200 |
| Legal Block | A |
| Legal Lot Number | 7 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 30110 |
518 Guerrant St is owned and occupied by two individuals who bought it in October 2023.
Source: Lake County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 19, 2023 | Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Apr 14, 2021 | Warranty Deed, Transfer · Line of Credit THE FIRST NATIONAL BANK OF MOUNT DO |
| Dec 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2023 · Amount on File |
| Deed Sale | Oct 19, 2023 · Amount on File |
| Prior Sale | Apr 14, 2021 · Amount on File |
| Deed Document Number | 2023128601 |
| Deed Book / Page | 6228 / 2399 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 19, 2023 |
| Property Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Document Number | 0062282399 |
| Book / Page | 6228 / 2399 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Oct 17, 2023 |
| Instrument | 2023128601 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,288.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24553 SE HIGHWAY 450, UMATILLA, FL 32784-9190 |
| Name | Verified Name |
|---|---|
| Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Document Number | 0062282401 |
|---|---|
| Date | Oct 19, 2023 |
| Instrument | 6228/2401 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Number | 0062282412 |
|---|---|
| Date | Oct 19, 2023 |
| Book Page | 6228/2412 |
| Instrument | 2023128603 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 14, 2021 |
| Property Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Document Number | 0056871296 |
| Book / Page | 5687 / 1296 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 2021051327 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 243 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Name | Verified Name |
|---|---|
| Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Document Number | 0056871297 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 5687/1297 |
| Name | THE FIRST NATIONAL BANK OF MOUNT DO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 7, 2017 |
| Property Address | 518 GUERRANT ST, UMATILLA, FL 32784-9387 |
| Document Number | 0050371235 |
| Book / Page | 5037 / 1235 |
| Map Reference | MB 2 PG 3 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 2017130712 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $784.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 518 GUERRANT ST, 518, UMATILLA, FL 32784-9387 |
| Name | Verified Name |
|---|
| Document Number | 2017130713 |
|---|---|
| Date | Dec 7, 2017 |
| Instrument | 2017130713 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2032 |
The 2025 property tax bill for 518 Guerrant St was $2,064 with a homeowner's exemption, up 4.7% 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 | $130,629 (-0.03%) Land $23,800 Building $106,829 | $130,629 (-0.03%) Land $23,800 Building $106,829 | |
| 2025 | $2,064.00 (+4.72%) Homeowner's exemption | $130,666 Land $23,800 Building $106,866 | $130,666 Land $23,800 Building $106,866 |
| 2024 | $1,971.00 (-27.19%) | ||
| 2023 | $2,707.00 (+10.09%) | $127,238 (+10.35%) | $127,238 (+10.35%) Land $23,800 Building $103,438 |
| 2022 | $2,459.00 | $115,301 | $115,301 Land $11,900 Building $103,401 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 Guerrant St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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.
Wildfire risk around 518 Guerrant St is moderate, ranking above 42% of the US, with a 0.09% annual chance of wildfire.
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 | 0.09% 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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