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120 N Bay St, Eustis, FL 32726 Property Records

Lake County property record for 120 N Bay St, Eustis, FL 32726

Property Summary

Property TypeStore with Apartments
Details3 ba · 4,864 sqft · built 1924
Lot Size0.059 acres (2,568 sqft)
OwnerCompany Name on Record
Last Sale$505,000 (Jan 2024)
Tax Bill$8,523 (2024)
Deeds & MortgagesJan 2024 Sale & Mortgage
Jul 2023 Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APN11-19-26-0100-033-00400

Property Details

APN / Parcel Number

Primary APN11-19-26-0100-033-00400
Alternative APNs
  • 261911010003300400
  • 1243009

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Units2 Units
Stories2 Stories
Building Area4,864 sqft Gross Area
1st Floor Area4,864 sqft

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 1983
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Lot Area2,568 sqft (0.059 acres)
Deck AreaDeck Area
Canopy448 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1243009
Street Address120 N BAY ST
CityEUSTIS
StateFL
Zip32726-3403
Property CategoryCommercial
Property TypeCommercial > Retail > Store with Apartments
Local Zoning CodeCBD
Legal DescriptionEUSTIS LOT 4 N 4 INCHES OF LOT 5 BLK 33 PB 1 PG 79 ORB 6266 PG 1713
Legal Range26E
Legal Township19S
Legal Section11
Legal SubdivisionEUSTIS
Legal Tract0100
Legal Block33
Legal Lot Number4
JurisdictionLAKE FL
Township / Civil DivisionEUSTIS
Census Block Group3
Census Block3053
Census Tract30206

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Eustis Commercial Historic District
listed 2005 · 20 contributing resources · NRIS 05000654

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lake County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address100 E HAZZARD AVE, EUSTIS, FL 32726-3433
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Jan 5, 2024Warranty Deed, Transfer · Commercial Mortgage
UNITED SOUTHERN BANK
Jul 20, 2023Intrafamily Transfer, Transfer · Construction Mortgage
UNITED SOUTHERN BANK
Dec 30, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 5, 2024 · Amount on Record
Deed SaleJan 5, 2024 · Amount on Record
Prior SaleJul 11, 2002 · Amount on Record
Deed Document Number20241850
Deed Book / Page6266 / 1713
Prior Transfer DateDec 22, 2021
Prior Transfer Doc0058662400
Record UpdatedSep 20, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 5, 2024
Property Address120 N BAY ST, EUSTIS, FL 32726-3403
Document Number0062661713
Book / Page6266 / 1713
Map ReferenceMB 1 PG 79
Instrument DateJan 4, 2024
Instrument2024001850
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,535.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address120 N BAY ST, EUSTIS, FL 32726-3403

Transferred To (Grantee/Buyer)

NameVerified Name
Address100 E HAZZARD AVE, EUSTIS, FL 32726-3433

Mortgage

Document Number0062661715
DateJan 5, 2024
Instrument6266/1715
Lender
NameUNITED SOUTHERN BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term180 Months
DueJan 4, 2039
Interest
Rate TypeAdjustable Rate

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateJul 20, 2023
Property Address120 N BAY ST, EUSTIS, FL 32726-3403
Document Number0061791120
Book / Page6179 / 1120
Map ReferenceMB 1 PG 79
Instrument DateJan 15, 2023
Instrument2023087370
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address319 EASTRIDGE DR, EUSTIS, FL 32726-2056

Transferred To (Grantee/Buyer)

NameVerified Name
Address319 EASTRIDGE DR, EUSTIS, FL 32726-2056

Mortgage

Document Number0061791131
DateJul 20, 2023
Instrument6179/1131
Lender
NameUNITED SOUTHERN BANK
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term240 Months
DueJun 30, 2043

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateDec 30, 2021
Property Address120 N BAY ST, EUSTIS, FL 32726-3403
Document Number0058662400
Book / Page5866 / 2400
Instrument DateDec 22, 2021
Instrument2021179414
Transaction TypeTransfer
Record UpdatedFeb 5, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1 FOREST LN, EUSTIS, FL 32726-5365
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityEustis City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$422,300 (-) Land $123,196 Building $299,104$422,300 (-) Land $123,196 Building $299,104
2025$422,300 (+9.72%) Land $123,196 Building $299,104$422,300 (+9.72%) Land $123,196 Building $299,104
2024$8,523.00 (+13.66%)
2023$7,499.00 (+9.01%)$384,876 (+14.28%)$384,876 (+14.28%) Land $112,004 Building $272,872
2022$6,879.00$336,786$336,786 Land $101,822 Building $234,964

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemEUSTIS, CITY OF (4 WTPS)
serves 39,721 people · EPA ID FL3350346
Water SourceGroundwater
Last State InspectionMar 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 332 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber · DSL		2,000 / 1,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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