64 Howard St, Umatilla, FL 32784 Property Records

Lake County property record for 64 Howard St, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,150 sqft · built 1930
Lot Size	0.513 acres (22,324 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (May 2021)
Tax Bill	$1,710 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-2300-00B-00900`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-2300-00B-00900`
Alternative APNs	`261813230000B00900` `1500770`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,150 sqft Living Area
Gross Area	1,306 sqft
1st Floor Area	1,150 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	22,324 sqft (0.513 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	156 sqft
Deck Area	Deck Area
Patio Area	80 sqft
Utility Building	605 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	1500770
Street Address	64 HOWARD ST
City	UMATILLA
State	FL
Zip	32784-7431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	UMATILLA OAK PARK LOTS 9 10 11 12 BLK B PB 2 PG 16 ORB 5704 PG 2351
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	UMATILLA OAK PARK
Legal Tract	2300
Legal Block	B
Legal Lot Number	9
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1054
Census Tract	30109

Owner

Source: Lake County assessment roll, 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	Individual Name on File
Mailing Address	64 HOWARD ST, UMATILLA, FL 32784-7431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Apr 9, 2002 · Amount on Record
Deed Document Number	202163658
Deed Book / Page	5704 / 2351
Prior Transfer Date	Jan 30, 2014
Prior Transfer Doc	0044390432
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	May 7, 2021
Property Address	64 HOWARD ST, UMATILLA, FL 32784-7431
Document Number	0057042351
Book / Page	5704 / 2351
Map Reference	MB 2 PG 16
Instrument Date	Apr 30, 2021
Instrument	2021063658
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,084.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10360 JOANIES RUN, LEESBURG, FL 34788-3811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 HOWARD ST, UMATILLA, FL 32784-7431

Mortgage

Document Number	0057042353
Date	May 7, 2021
Instrument	5704/2353

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$124,380 (+2.9%)	$210,319 (-0.05%) Land $105,000 Building $105,319
2025		$120,880 (+5.98%) Land $105,000 Building $15,880	$210,420 (+25.27%) Land $105,000 Building $105,420
2024	$1,710.00 (+4.65%)
2023	$1,634.00 (+7.01%) Homeowner's exemption	$114,060 (+2.99%)	$167,967 (+51.67%) Land $100,800 Building $67,167
2022	$1,527.00 Homeowner's exemption	$110,746	$110,746 Land $43,680 Building $67,066

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
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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 168 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