520 Rose St, Umatilla, FL 32784 Property Records

Lake County property record for 520 Rose St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,843 sqft · built 2000
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,845 (2024)
Deeds & Mortgages	Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18-18-27-0200-000-01803`

Property Details

APN / Parcel Number

Primary APN	`18-18-27-0200-000-01803`
Alternative APN	`3779133`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area
1st Floor Area	1,843 sqft
Basement Area	737 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Finished
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3779133
Street Address	520 ROSE ST
City	UMATILLA
State	FL
Zip	32784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UMATILLA WHITCOMB'S SUB FROM NW COR OF SW 1/4 RUN N 00DEG 00MIN 00SEC E 25 FT N 90DEG 00MIN 00SEC E 537.55 FT S 43DEG 47MIN
Legal Range	27E
Legal Township	18S
Legal Section	18
Legal Subdivision	WHITCOMB'S
Legal Tract	200
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1064
Census Tract	30109

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 Record	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	PO BOX 1123, UMATILLA, FL 32784-1123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Names on Deed
Prior Sale	Sep 14, 1998 · Amount on Record
Last Transfer Date	Feb 24, 2023
Transfer Doc	0060980083
Record Updated	Jun 8, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Feb 24, 2023
Property Address	520 ROSE ST, UMATILLA, FL 32784
Document Number	0060980083
Book / Page	6098 / 83
Instrument Date	Feb 22, 2023
Instrument	2023021485
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1123, UMATILLA, FL 32784-1123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 ALDRICH ST, EUSTIS, FL 32726-7367

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$232,360 (+5.98%) Land $194,082 Building $38,278	$444,894 (+1.66%) Land $194,082 Building $250,812
2024	$3,845.00 (+4.26%)
2023	$3,688.00 (+3.45%) Homeowner's exemption	$219,250 (+3%)	$437,626 (+4.41%) Land $194,082 Building $243,544
2022	$3,565.00 Homeowner's exemption	$212,870	$419,142 Land $175,598 Building $243,544

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	3 in force

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 Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 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