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191 N Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 191 N Central Ave, Umatilla, FL 32784

Property Summary

Property TypeCommercial Office
Details1 ba · 746 sqft · built 1925
Lot Size0.252 acres (10,981 sqft)
OwnerIndividual Name on File
Last Sale$259,000 (May 2026)
Tax Bill$2,654 (2025)
Deeds & MortgagesMay 2026 Sale
Jan 2019 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN13-18-26-1200-00E-00100

Property Details

APN / Parcel Number

Primary APN13-18-26-1200-00E-00100
Alternative APNs
  • 261813120000E00100
  • 1130883

Interior

Full Baths1 Bath
Stories1 Story
Building Area746 sqft Gross Area
1st Floor Area746 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1983
Exterior MaterialBrick
Construction TypeFrame
Fire ResistanceWood or Wood & Steel Frame
Lot Area10,981 sqft (0.252 acres)
Lot Dimensions140 ft deep x 50 ft wide
Garage TypeDetached
Garage Area800 sqft
Parking Spaces3 Parking Spaces
Deck AreaDeck Area
Canopy52 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number1130883
Street Address191 N CENTRAL AVE
CityUMATILLA
StateFL
Zip32784-7568
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeC1
Legal DescriptionUMATILLA YANCEYS ADD LOT 1 LOT 2--LESS S 26 FT--BLK E PB 1 PG 30 ORB 5139 PG 2318
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionUMATILLA YANCEYS ADD
Legal Tract1200
Legal BlockE
Legal Lot Number1
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1059
Census Tract30110

Owner

191 N Central Ave, a commercial property, is owned by an individual who bought it in May 2026.

Source: Lake County records, as of June 9, 2026

Owner of RecordIndividual Name on File
Mailing Address61 S KENTUCKY AVE, UMATILLA, FL 32784-8420
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
May 26, 2026Warranty Deed, Transfer
INFINITY TITLE INSURANCE AGENCY LLC, INFINITY TITLE INSURANCE AGENC
Jan 31, 2019Warranty Deed, Transfer
Jul 16, 2018Quit Claim Deed, Transfer
Quitclaim
Jan 18, 2017Warranty Deed, Transfer · Line of Credit
UNITED SOUTHERN BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 26, 2026 · Amount on File
Deed SaleMay 26, 2026 · Amount on File
Prior SaleJan 18, 2017 · Amount on File
Deed Document Number202664005
Deed Book / Page6745 / 119
Prior Transfer DateJul 12, 2018
Prior Transfer Doc0051392318
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMay 26, 2026
Property Address191 N CENTRAL AVE, UMATILLA, FL 32784-7568
Document Number0000064005
Book / Page6745 / 119
Instrument DateMay 22, 2026
Instrument202664005
Transaction TypeTransfer
Record UpdatedJun 9, 2026
Title CompanyINFINITY TITLE INSURANCE AGENCY LLC, INFINITY TITLE INSURANCE AGENC

Transaction

AmountAmount on Record
Tax$183,113.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address61 S KENTUCKY AVE, UMATILLA, FL 32784-8420
InvestorPossibly a Property Investor

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 31, 2019
Property Address191 N CENTRAL AVE, UMATILLA, FL 32784-7568
Document Number0052300939
Book / Page005230 / 000939
Instrument DateJan 30, 2019
Instrument12129
Transaction TypeTransfer
Record UpdatedFeb 11, 2019

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address191 N CENTRAL AVE UMATILLA FL 327847568, UMATILLA, FL 32784-7568

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateJul 16, 2018
Property Address191 N CENTRAL AVE, UMATILLA, FL 32784-7568
Document Number0051392318
Book / Page005139 / 002318
Instrument DateJul 12, 2018
Instrument82065
Transaction TypeTransfer
Record UpdatedJul 25, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address191 N CENTRAL AVE UMATILLA FL 327847568, UMATILLA, FL 32784-7568

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateJan 18, 2017
Property Address191 N CENTRAL AVE, UMATILLA, FL 32784-7568
Document Number0048900837
Book / Page4890 / 0837
Map ReferenceMB1 PG30
Instrument DateJan 1, 2017
Instrument2017005545
Transaction TypeTransfer
Record UpdatedJan 11, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$665.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 992, UMATILLA, FL 32784-0992

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 N CENTRAL AVE, UMATILLA, FL 32784-7568

Mortgage

Document Number0048900843
DateJan 18, 2017
Instrument4890/0843
Lender
NameUNITED SOUTHERN BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueJan 12, 2032
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 191 N Central Ave was $2,654, up 0.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$128,610 (-) Land $84,935 Building $43,675$128,610 (-) Land $84,935 Building $43,675
2025$2,654.00 (+0.42%)$128,610 Land $84,935 Building $43,675$128,610 Land $84,935 Building $43,675
2024$2,643.00 (+10.4%)
2023$2,394.00 (+9.22%)$119,405 (+11.28%)$119,405 (+11.28%) Land $77,219 Building $42,186
2022$2,192.00$107,298$107,298 Land $70,199 Building $37,099

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

Flood

FEMA maps place 191 N Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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

Wildfire risk around 191 N Central Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% 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 SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 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 138 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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