Lake County property record for 550 Gregory Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,159 sqft · built 2007 |
| Lot Size | 0.446 acres (19,417 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,000 (May 2018) |
| Tax Bill | $6,004 (2024) |
| Deeds & Mortgages | Aug 2023 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-18-27-0055-000-01400 |
| Primary APN | 07-18-27-0055-000-01400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,159 sqft Living Area |
| Gross Area | 2,711 sqft |
| 1st Floor Area | 2,159 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 19,417 sqft (0.446 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 479 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3798303 |
|---|---|
| Street Address | 550 GREGORY LN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R18 |
| Legal Description | UMATILLA EAST LAKE ESTATES UNIT II SUB LOT 14 PB 44 PGS 58-59 ORB 5115 PG 1942 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 7 |
| Legal Subdivision | UMATILLA EAST LAKE ESTATES UNIT II SUB |
| Legal Tract | 0055 |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 30109 |
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 | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| May 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 25, 2018 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2018 · Amount on Record |
| Deed Sale | May 25, 2018 · Amount on Record |
| Prior Sale | May 27, 2005 · Amount on Record |
| Deed Document Number | 201861536 |
| Deed Book / Page | 5115 / 1942 |
| Prior Transfer Date | Feb 8, 2008 |
| Prior Transfer Doc | 0035870465 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0061991684 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 6199/1684 |
| Instrument | 2023103746 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0059651061 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 5965/1061 |
| Instrument | 2022074769 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jun 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | May 25, 2018 |
| Property Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0051151942 |
| Book / Page | 5115 / 1942 |
| Map Reference | MB 44 PG 58&59 |
| Instrument Date | May 15, 2018 |
| Instrument | 2018061536 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | APPLE TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,722.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21502 PARADISE WAY, 21502, EUSTIS, FL 32736-9642 |
| Name | Verified Name |
|---|---|
| Address | 550 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 2018061537 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 2018061537 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
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 | $334,923 (-) Land $120,000 Building $214,923 | $334,923 (-) Land $120,000 Building $214,923 | |
| 2025 | $334,923 (+12.64%) Land $120,000 Building $214,923 | $334,923 (+12.64%) Land $120,000 Building $214,923 | |
| 2024 | $6,004.00 (+11.27%) | ||
| 2023 | $5,396.00 (+10.14%) | $297,342 (+13.78%) | $297,342 (+13.78%) Land $89,250 Building $208,092 |
| 2022 | $4,899.00 | $261,342 | $261,342 Land $53,250 Building $208,092 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% 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 22 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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