243 S Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 243 S Central Ave, Umatilla, FL 32784

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,513 sqft · built 1875
Lot Size	1.76 acres (76,707 sqft)
Owner	2 Individual Names on Record
Last Sale	$598,000 (Jul 2026)
Tax Bill	$4,731 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-0003-000-06300`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-0003-000-06300`
Alternative APNs	`261813000300006300` `1406820`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,513 sqft Living Area
1st Floor Area	1,787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	76,707 sqft (1.76 acres)
Lot Dimensions	386 ft deep x 188 ft wide
View / Lot	Lake Front
Garage Type	Carport
Garage Area	195 sqft
Carport	Carport
Carport Area	195 sqft

Exterior Amenities

Pool Area	900 sqft
Porch	Unfinished Open Porch
Porch Area	918 sqft
Deck Area	Deck Area
Utility Building	780 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1406820
Street Address	243 S CENTRAL AVE
City	UMATILLA
State	FL
Zip	32784-8411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	FROM SW COR OF SEC RUN E 87.78 FT TO CENTERLINE OF RR N 25-39-50 E ALONG SD CENTERLINE 2042.7 FT S 64-20-10 E 60.06 FT TO POB CONT S 64-20-10 E 219.1 FT N 25-39-50 E 40 FT S 68-24-13 E TO LAKE BEING POINT A RETURN TO POB RUN N 25-40-0 E PARALLEL TO R
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Quarter	3
Legal Subdivision	ACREAGE & UNREC
Legal Lot Number	63
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1064
Census Tract	30109

Owner

Source: Lake County records, as of July 16, 2026

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
Mailing Address	243 S CENTRAL AVE, UMATILLA, FL 32784-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Jun 1, 2016 · Amount on Record
Deed Document Number	202681755
Deed Book / Page	6769 / 2204
Prior Transfer Date	Jun 26, 2012
Prior Transfer Doc	0041792264
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jul 2, 2026
Property Address	243 S CENTRAL AVE, UMATILLA, FL 32784-8411
Document Number	0000081755
Book / Page	6769 / 2204
Instrument Date	Jul 1, 2026
Instrument	202681755
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	APPLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$422,786.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 S CENTRAL AVE, UMATILLA, FL 32784-8411

Mortgage

Document Number	0000081756,
Date	Jul 2, 2026
Instrument	202681756

Lender

Name	HOME1ST LENDING, LLC.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$256,330 (+2.9%)	$477,836 (-0.06%) Land $204,750 Building $273,086
2025	$4,731.00 (+7.67%) Homeowner's exemption	$249,110 (+5.99%) Land $204,750 Building $44,360	$478,140 (+12.84%) Land $204,750 Building $273,390
2024	$4,394.00 (+4.02%)
2023	$4,224.00 (+4.84%) Homeowner's exemption	$235,040 (+3%)	$423,751 (+8.11%) Land $157,500 Building $266,251
2022	$4,029.00 Homeowner's exemption	$228,200	$391,946 Land $126,000 Building $265,946

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.

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
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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None 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 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 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