402 N Bay St, Eustis, FL 32726 Property Records

Lake County property record for 402 N Bay St, Eustis, FL 32726

Property Summary

Property Type	Restaurant
Details	3 ba · 5,582 sqft · built 1926
Lot Size	0.168 acres (7,352 sqft)
Owner	Owner Name on File
Last Sale	$505,405 (Oct 2014)
Tax Bill	$11,951 (2024)
Deeds & Mortgages	Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`11-19-26-0100-013-00600`

Property Details

APN / Parcel Number

Primary APN	`11-19-26-0100-013-00600`
Alternative APN	`3777642`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	5,582 sqft Total Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Concrete
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	7,352 sqft (0.168 acres)

Exterior Amenities

Porch	Porch
Porch Area	1,032 sqft
Deck Area	510 sqft
Patio Area	220 sqft
Canopy	704 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	3777642
Street Address	402 N BAY ST
City	EUSTIS
State	FL
Zip	32726-3437
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	EUSTIS S 20.5 FT OF LOT 6 LOTS 7 8 BLK 13 PB 1 PG 790 ORB 4540 PG 2403
Legal Range	26E
Legal Township	19S
Legal Section	11
Legal Subdivision	EUSTIS
Legal Tract	100
Legal Block	13
Legal Lot Number	6-8 8
Jurisdiction	LAKE FL
Township / Civil Division	EUSTIS
Census Block Group	3
Census Block	3031
Census Tract	30206

Owner

Source: Lake County records · APN 11-19-26-0100-013-00600

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	402 N BAY ST, EUSTIS, FL 32726-3437
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 20, 2014 · Amount on Record
Deed Sale	Oct 20, 2014 · Amount on Record
Prior Sale	Apr 03, 2003 · Amount on Record
Deed Document Number	2014113684
Deed Book / Page	4540 / 2403
Record Updated	Jun 08, 2026

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE FL
Property Address	402 N BAY ST, EUSTIS, FL 32726-3437
Document Number	0051851358
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 01, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N BAY ST EUSTIS FL 327263437, EUSTIS, FL 32726-3437

Mortgage

Document Number	0051851358
Date	Oct 17, 2018
Book Page	005185/001358
Instrument	121889

Lender

Name	UNITED SOUTHERN BANK
Address	PO BOX 29, UMATILLA, FL 32784-0029

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Eustis City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$615,198 (+13.16%) Land $107,633 Building $507,565	$615,198 (+13.16%) Land $107,633 Building $507,565
2024	$11,951.00 (+9.9%)
2023	$10,874.00 (-0.1%)	$543,669 (+1.83%)	$543,669 (+1.83%) Land $97,855 Building $445,814
2022	$10,885.00	$533,911	$533,911 Land $88,959 Building $444,952

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

Based on FCC filings for 109 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EUSTIS, CITY OF (4 WTPS) serves 39,721 people
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.