91 Fairway Cir, Umatilla, FL 32784 Property Records

Lake County property record for 91 Fairway Cir, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,898 sqft · built 2008
Lot Size	0.24 acres (10,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jan 2024)
Tax Bill	$3,500 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-18-26-2002-000-10800`

Property Details

APN / Parcel Number

Primary APN	`01-18-26-2002-000-10800`
Alternative APN	`3849636`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,898 sqft Living Area
1st Floor Area	1,898 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,480 sqft (0.24 acres)
Garage Type	Finished
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3849636
Street Address	91 FAIRWAY CIR
City	UMATILLA
State	FL
Zip	32784-8654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES ESTATES PHASE III PB 58 PG 26-27 LOT 108 ORB 6274 PG 618
Legal Range	26E
Legal Township	18S
Legal Section	01
Legal Subdivision	LAKES
Legal Phase	3
Legal Tract	A,B
Legal Lot Number	108
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	2
Census Block	2001
Census Tract	30110

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	91 FAIRWAY CIR, UMATILLA, FL 32784-8654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 14, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 24, 2024 · Amount on Record
Deed Sale	Jan 24, 2024 · Amount on Record
Prior Sale	Oct 14, 2020 · Amount on Record
Deed Document Number	2024008530
Deed Book / Page	6274 / 618
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 24, 2024
Property Address	91 FAIRWAY CIR, UMATILLA, FL 32784-8654
Document Number	0062740618
Book / Page	6274 / 618
Map Reference	MB 58 PG 26&27
Instrument Date	Jan 12, 2024
Instrument	2024008530
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	APPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40535 W 6TH AVE, UMATILLA, FL 32784-8808

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	91 FAIRWAY CIR, UMATILLA, FL 32784-8654

Mortgage

Document Number	0006274619
Date	Jan 24, 2024
Instrument	6274/619

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Oct 14, 2020
Property Address	91 FAIRWAY CIR, UMATILLA, FL 32784-8654
Document Number	0055620845
Book / Page	5562 / 845
Map Reference	MB 58 PG 26
Instrument Date	Oct 8, 2020
Instrument	2020114634
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	SEAPLANE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 MCNEAL RD, 1316, SPRING HILL, FL 34608-6024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 FAIRWAY CIR, UMATILLA, FL 32784-8654

Mortgage

Document Number	0005562850
Date	Oct 14, 2020
Instrument	5562/850

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$224,144 (+10.81%) Land $55,000 Building $169,144	$284,564 (+11.34%) Land $55,000 Building $229,564
2024	$3,500.00 (+4.29%)
2023	$3,356.00 (+3.71%) Homeowner's exemption	$202,270 (+3%)	$255,586 (+7.22%) Land $55,000 Building $200,586
2022	$3,236.00 Homeowner's exemption	$196,380	$238,386 Land $37,800 Building $200,586

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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 66% of the US · above 43% 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: CenturyLink, T-Mobile, Verizon, Xfinity.

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