Lake County property record for 173 S Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,301 sqft · built 1940 |
| Lot Size | 1.01 acres (44,262 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Oct 2020) |
| Tax Bill | $2,652 (2024) |
| Deeds & Mortgages | Feb 2024 Mortgage Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-1600-000-00100 |
| Primary APN | 13-18-26-1600-000-00100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,301 sqft Living Area |
| Gross Area | 2,561 sqft |
| 1st Floor Area | 2,299 sqft |
| Basement Area | 22 sqft |
| Finished Basement | 2 sqft |
| Unfinished Basement | 20 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 44,262 sqft (1.01 acres) |
| Lot Dimensions | 257 ft deep x 169 ft wide |
| View / Lot | Lake Front |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Finished Porch |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | 1,022 sqft |
| Patio Area | 133 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1769990 |
|---|---|
| Street Address | 173 S CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | UMATILLA BUENA VISTA SUB LOTS 1 2 3 4 5 6 SW'LY 4 FT OF LOT 7 SW'LY 54 FT OF LOT 14 LOTS 15 16 17 18. STRIP OF LAND LYING BETWEEN SAID LOTS & LAKE N'LY 15 FT OF MYER ST PB 5 PG 35 ORB 5555 PG 1440 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | UMATILLA BUENA VISTA SUB |
| Legal Tract | 1600 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 30109 |
173 S Central Ave is owned and occupied by two individuals who bought it in October 2020.
Source: Lake County records, as of January 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS |
| Oct 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Jul 10, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on File |
| Deed Sale | Oct 2, 2020 · Amount on File |
| Prior Sale | Dec 20, 1996 |
| Deed Document Number | 2020110166 |
| Deed Book / Page | 5555 / 1440 |
| Prior Transfer Date | Dec 19, 1996 |
| Prior Transfer Doc | 1484002258 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0062891390 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 6289/1390 |
| Instrument | 2024021892 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0058442478 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 5844/2478 |
| Instrument | 2021164052 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0061000489 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 6100/489 |
| Instrument | 2023023138 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | BRADENTON, FL 34205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Feb 24, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Oct 2, 2020 |
| Property Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0055551440 |
| Book / Page | 5555 / 1440 |
| Map Reference | MB 5 PG 35 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020110166 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 416, UMATILLA, FL 32784-0416 |
| Name | Verified Name |
|---|---|
| Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0055551441 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 5555/1441 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jul 10, 2018 |
| Property Address | 173 S CENTRAL AVE, UMATILLA, FL 32784-9542 |
| Document Number | 0051360841 |
| Book / Page | 005136 / 000841 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 78875 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | PO BOX 416 UMATILLA FL 327840416, UMATILLA, FL 32784-0416 |
Source: Lake County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Municipality | Umatilla City |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $175,010 (+2.9%) | $459,262 (-0.21%) Land $178,750 Building $280,512 | |
| 2025 | $170,080 | $460,246 Land $178,750 Building $281,496 | |
| 2024 | $2,652.00 (+42.73%) | ||
| 2023 | $1,858.00 (+14.62%) Homeowner's exemption | $125,530 (+8.7%) | $376,000 (+12.63%) Land $137,500 Building $238,500 |
| 2022 | $1,621.00 Homeowner's exemption | $115,480 | $333,832 Land $110,000 Building $223,832 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 173 S Central Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| 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 risk around 173 S Central Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 138 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 |
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