Lake County property record for 78 S Pine Ave, Umatilla, FL 32784 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 2003 |
| Lot Size | 0.276 acres (12,034 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,900 (Oct 2014) |
| Tax Bill | $1,697 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-4000-000-01100 |
| Primary APN | 13-18-26-4000-000-01100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 12,034 sqft (0.276 acres) |
| Garage Type | Finished |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 50 sqft |
| Patio Area | 240 sqft |
| Utility Building | 3,800 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3533666 |
|---|---|
| Street Address | 78 S PINE AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9087 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA WENDELL ESTATES SUB LOT 11 PB 30 PG 39 ORB 4543 PG 1074 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | WENDELL ESTATES |
| Legal Tract | 4000 |
| Legal Lot Number | 11 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 30109 |
Source: Lake County records · APN 13-18-26-4000-000-01100
Assessment roll updated July 1, 2025 · Last verified December 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 117, UMATILLA, FL 32784-0117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2014 · Amount on Record |
| Deed Sale | Oct 27, 2014 · Amount on Record |
| Prior Sale | Jan 10, 2003 · Amount on Record |
| Deed Document Number | 2014116092 |
| Deed Book / Page | 4543 / 1074 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 78 S PINE AVE, UMATILLA, FL 32784-9087 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 78 S PINE AVE, UMATILLA, FL 32784-9087 |
| Document Number | 0059131296 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 5913/1296 |
| Instrument | 2022033776 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 78 S PINE AVE, UMATILLA, FL 32784-9087 |
| Document Number | 0053621048 |
| Instrument Date | Oct 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 S PINE AVE UMATILLA FL 327849087, UMATILLA, FL 32784-9087 |
| Document Number | 0053621048 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 005362/001048 |
| Instrument | 120011 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2049 |
Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $120,170 (+5.98%) Land $70,000 Building $50,170 | $252,757 (+21.47%) Land $70,000 Building $182,757 | |
| 2024 | $1,697.00 (+4.69%) | ||
| 2023 | $1,621.00 (+14.72%) Homeowner's exemption | $113,390 (+7.96%) | $208,076 (+16.2%) Land $42,000 Building $166,076 |
| 2022 | $1,413.00 Homeowner's exemption | $105,030 | $179,066 Land $18,200 Building $160,866 |
Source: FEMA National Flood Hazard Layer, Lake County (12069C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120690301091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Wildfire Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,299 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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