Lake County property record for 281 S Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,286 sqft · built 1976 |
| Lot Size | 1.62 acres (70,962 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $648,900 (Aug 2022) |
| Tax Bill | $456 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Aug 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0500-00E-00100 |
| Primary APN | 13-18-26-0500-00E-00100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 3,286 sqft Living Area |
| Gross Area | 4,341 sqft |
| 1st Floor Area | 3,286 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 70,962 sqft (1.62 acres) |
| Lot Dimensions | 200 ft deep x 190 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 555 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,080 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 1,656 sqft |
| Deck Area | Deck Area |
| Utility Building | 2,640 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1499968 |
|---|---|
| Street Address | 281 S CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA MITCHENORS ADD PB 1 PG 56 FROM SW COR LOT 1 BLK E RUN S 64-20-10 E 248 FT FOR POB RUN N 25-39-50 E 150 FT N 42-07-58 W 95.85 FT N 25-39-50 E 139.08 FT N 64-20-10 W 160 FT N 25-39-50 E 45.92 FT S 64-20-10 E 219.10 FEET NORTH 25-39-50 EAST 57 |
| Legal Subdivision | UMATILLA MITCHENORS ADD |
| Legal Tract | 0500 |
| Legal Block | E |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 30109 |
Source: Lake County records, as of November 26, 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 |
|---|---|
| Mailing Address | 281 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST NATIONAL BANK |
| Aug 19, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2022 · Amount on Record |
| Deed Sale | Aug 22, 2022 · Amount on Record |
| Prior Sale | May 28, 2014 · Amount on Record |
| Deed Document Number | 2022114013 |
| Deed Book / Page | 6012 / 949 |
| Prior Transfer Date | Aug 12, 2021 |
| Prior Transfer Doc | 0057760338 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 22, 2022 |
| Property Address | 281 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Document Number | 0060120949 |
| Book / Page | 6012 / 949 |
| Instrument Date | Aug 17, 2022 |
| Instrument | 2022114013 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,542.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 309 QUILL LN, MATTHEWS, NC 28105-5666 |
| Name | Verified Name |
|---|---|
| Address | 3304 POQUITA CT, EL PASO, TX 79904-2501 |
| Document Number | 0006012952 |
|---|---|
| Date | Aug 22, 2022 |
| Instrument | 6012/952 |
| Name | COMMUNITY FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Aug 19, 2021 |
| Property Address | 281 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Document Number | 0057760338 |
| Book / Page | 5776 / 338 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021114448 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 281 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
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 | $554,000 (+2.9%) | $598,835 (-) Land $204,750 Building $394,085 | |
| 2025 | $538,390 (+5.99%) Land $204,750 Building $333,640 | $598,835 (+17.89%) Land $204,750 Building $394,085 | |
| 2024 | $456.00 | ||
| 2023 | $456.00 (-89.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $507,982 (+110.54%) | $507,982 (+6.65%) Land $157,500 Building $350,482 |
| 2022 | $4,290.00 Homeowner's exemption | $241,280 | $476,298 Land $126,000 Building $350,298 |
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.
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.
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.
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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