86 Whitcomb Ave, Umatilla, FL 32784 Property Records

Lake County property record for 86 Whitcomb Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,458 sqft · built 1988
Lot Size	0.319 acres (13,900 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Apr 2023)
Tax Bill	$5,817 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-18-27-0100-000-02100`

Property Details

APN / Parcel Number

Primary APN	`18-18-27-0100-000-02100`
Alternative APN	`2916044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,458 sqft Living Area
1st Floor Area	2,058 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	13,900 sqft (0.319 acres)
Lot Dimensions	139 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	540 sqft
Porch	Open Porch
Porch Area	634 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2916044
Street Address	86 WHITCOMB AVE
City	UMATILLA
State	FL
Zip	32784-9095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UMATILLA SMITH-TURNER BLOCK LOTS 21 & 22 PB 9 PG 83 ORB 6118 PG 1681
Legal Range	27E
Legal Township	18S
Legal Section	18
Legal Subdivision	SMITH-TURNER BLOCK
Legal Tract	100
Legal Lot Number	21-22 22
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1071
Census Tract	30109

Owner

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
Co-owner	Co-owner on Record
Mailing Address	86 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 Sale	Apr 3, 2023 · Amount on Record
Deed Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	2023037839
Deed Book / Page	6118 / 1681
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Apr 3, 2023
Property Address	86 WHITCOMB AVE, UMATILLA, FL 32784-9095
Document Number	0061181681
Book / Page	6118 / 1681
Map Reference	MB 9 PG 83
Instrument Date	Mar 31, 2023
Instrument	2023037839
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	729 KIT CARSON RD, TAOS, NM 87571-6441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1489, MOUNT DORA, FL 32756-1489

Mortgage

Document Number	0061181683
Date	Apr 3, 2023
Instrument	6118/1683

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$335,340 (+96.36%) Land $72,102 Building $263,238	$403,084 (+87.21%) Land $72,102 Building $330,982
2024	$5,817.00 (+112.22%)
2023	$2,741.00 (+4.38%)	$170,780 (+3%)	$215,312 (+0.07%) Land $36,051 Building $179,261
2022	$2,626.00 Homeowner's exemption	$165,810	$215,157 Land $36,051 Building $179,106

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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