85 Whitcomb Ave, Umatilla, FL 32784 Property Records

Lake County property record for 85 Whitcomb Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,712 sqft · built 1999
Lot Size	0.58 acres (25,262 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,845 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-18-27-0200-000-00205`

Property Details

APN / Parcel Number

Primary APN	`18-18-27-0200-000-00205`
Alternative APNs	`271818020000000205` `3767721`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,712 sqft Living Area
Gross Area	3,292 sqft
1st Floor Area	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Asphalt
Lot Area	25,262 sqft (0.58 acres)
Lot Dimensions	205 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	1,014 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3767721
Street Address	85 WHITCOMB AVE
City	UMATILLA
State	FL
Zip	32784-9095
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	UMATILLA WHITCOMBS SUB S 122.60 FT OF N 367.60 FT OF W 205 FT OF E 260.5 FT OF LOT 2 PB 1 PG 74 ROB 1518 PGS 1055-1056 ORB 1945 PG 279 ORB 5656 PG 939
Legal Range	27E
Legal Township	18S
Legal Section	18
Legal Subdivision	UMATILLA WHITCOMBS SUB
Legal Tract	0200
Legal Lot Number	2
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1071
Census Tract	30109

Owner

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	85 WHITCOMB AVE, UMATILLA, FL 32784-9095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 24, 2020
Transfer Doc	0056560939
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE FL
Recording Date	Mar 5, 2021
Property Address	85 WHITCOMB AVE, UMATILLA, FL 32784-9095
Document Number	0056560939
Book / Page	5656 / 939
Map Reference	MB 1 PG 74
Instrument Date	Nov 24, 2020
Instrument	2021030082
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WHITCOMB AVE, UMATILLA, FL 32784-9095

Mortgage

Document Number	0005656942
Date	Mar 5, 2021
Instrument	5656/942

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

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		$185,340 (+2.9%)	$316,041 (-) Land $54,958 Building $261,083
2025		$180,120 (+5.98%) Land $54,958 Building $125,162	$316,041 (+23.4%) Land $54,958 Building $261,083
2024	$2,845.00 (+4.4%)
2023	$2,725.00 (+4.41%) Homeowner's exemption	$169,960 (+3%)	$256,108 (+0.01%) Land $77,228 Building $178,880
2022	$2,610.00 Homeowner's exemption	$165,010	$256,072 Land $77,228 Building $178,844

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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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