Lake County property record for 551 Gregory Ln, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,404 sqft · built 2004 |
| Lot Size | 1.82 acres (79,463 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Dec 2023) |
| Tax Bill | $4,258 (2024) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 07-18-27-0055-000-01500 |
| Primary APN | 07-18-27-0055-000-01500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,404 sqft Living Area |
| 1st Floor Area | 2,404 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 79,463 sqft (1.82 acres) |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3798304 |
|---|---|
| Street Address | 551 GREGORY LN |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA EAST LAKE ESTATES UNIT II SUB LOT 15 PB 44 PGS 58-59 ORB 6256 PG 489 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 07 |
| Legal Subdivision | EAST LAKE |
| Legal Tract | 55 |
| Legal Lot Number | 15 |
| Legal Unit | 2 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 30109 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Apr 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 2023 · Amount on Record |
| Deed Sale | Dec 12, 2023 · Amount on Record |
| Prior Sale | Apr 18, 2018 · Amount on Record |
| Deed Document Number | 2023151015 |
| Deed Book / Page | 6256 / 489 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Dec 12, 2023 |
| Property Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0062560489 |
| Book / Page | 6256 / 489 |
| Map Reference | MB 44 PG 58&59 |
| Instrument Date | Dec 6, 2023 |
| Instrument | 2023151015 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 WINGFIELD DR, UMATILLA, FL 32784-9389 |
| Name | Verified Name |
|---|---|
| Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0006256492 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 6256/492 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 8.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0057372247 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 5737/2247 |
| Instrument | 2021087638 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 0050970197 |
| Book / Page | 5097 / 0197 |
| Map Reference | MB 44 PG 58&59 |
| Instrument Date | Apr 17, 2018 |
| Instrument | 2018044974 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | FIRST INTERNATIANA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 416, ALTOONA, FL 32702-0416 |
| Name | Verified Name |
|---|---|
| Address | 551 GREGORY LN, UMATILLA, FL 32784-8352 |
| Document Number | 2018044975 |
|---|---|
| Date | Apr 18, 2018 |
| Instrument | 2018044975 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $253,940 (-19.66%) Land $103,200 Building $150,740 | $359,676 (+13.79%) Land $103,200 Building $256,476 | |
| 2024 | $4,258.00 (-30.47%) | ||
| 2023 | $6,124.00 (+7.42%) | $316,095 (+6.04%) | $316,095 (+6.04%) Land $103,200 Building $212,895 |
| 2022 | $5,701.00 | $298,095 | $298,095 Land $85,200 Building $212,895 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 79.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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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