320 N Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 320 N Central Ave, Umatilla, FL 32784

Property Summary

Property Type	Office Building
Details	2 bd · 2 ba · 1,088 sqft · built 1934
Lot Size	0.336 acres (14,664 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jan 2024)
Tax Bill	$3,354 (2024)
Deeds & Mortgages	Jan 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-18-26-0001-000-02300`

Property Details

APN / Parcel Number

Primary APN	`13-18-26-0001-000-02300`
Alternative APN	`1122635`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,088 sqft Total Area
1st Floor Area	2,000 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	14,664 sqft (0.336 acres)
Lot Width	70 ft Width
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1122635
Street Address	320 N CENTRAL AVE
City	UMATILLA
State	FL
Zip	32784-8649
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	FROM THE NORTH 1/4 CORNER OF SECTION 13 TOWNSHIP 18 SOUTH RANGE 26 EAST RUN EAST 23.43 FEET AND SOUTH 18-00-00 WEST 444.5
Legal Range	26E
Legal Township	18S
Legal Section	13
Legal Subdivision	SOUTH
Legal Phase	13
Legal Tract	1
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	1
Census Block	1059
Census Tract	30109

Owner

320 N Central Ave, a commercial property, is owned by an individual who bought it in January 2024.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	35 S TROWELL AVE, UMATILLA, FL 32784-8968
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Deed Document Number	2024009582
Deed Book / Page	6275 / 1500
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Jan 26, 2024
Property Address	320 N CENTRAL AVE, UMATILLA, FL 32784-8649
Document Number	0062751500
Book / Page	6275 / 1500
Instrument Date	Jan 23, 2024
Instrument	2024009582
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 737, UMATILLA, FL 32784-0737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 S TROWELL AVE, UMATILLA, FL 32784-8968

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 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
2025		$159,164 Land $68,698 Building $90,466	$159,164 Land $68,698 Building $90,466
2024	$3,354.00 (+11.32%)
2023	$3,013.00 (+13.23%)	$145,971 (+16.98%)	$145,971 (+16.98%) Land $52,018 Building $93,953
2022	$2,661.00	$124,780	$124,780 Land $47,289 Building $77,491

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 N Central Ave in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 320 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 Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 161 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