Lake County property record for 405 S Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,189 sqft · built 1910 |
| Lot Size | 0.292 acres (12,723 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Dec 2012) |
| Tax Bill | $1,728 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-0500-00F-00100 |
| Primary APN | 13-18-26-0500-00F-00100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,189 sqft Living Area |
| 1st Floor Area | 2,189 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 12,723 sqft (0.292 acres) |
| Lot Dimensions | 135 ft deep x 94 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1129290 |
|---|---|
| Street Address | 405 S CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-9574 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | UMATILLA MITCHENORS ADD W 135 FT OF N 94.25 FT OF LOT 1 BLK F PB 1 PG 56 ORB 4259 PG 554 ORB 4798 PG 1874 |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | MITCHENORS ADD |
| Legal Tract | 0500 |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1088 |
| Census Tract | 30109 |
405 S Central Ave is owned and occupied by an individual who bought it in December 2012.
Source: Lake County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 S CENTRAL AVE, UMATILLA, FL 32784-9574 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2012 · Amount on File |
| Deed Sale | Dec 28, 2012 · Amount on File |
| Prior Sale | Nov 24, 2009 · Amount on File |
| Deed Document Number | 2012137050 |
| Deed Book / Page | 4259 / 554 |
| Prior Transfer Date | Mar 13, 2009 |
| Prior Transfer Doc | 0037432099 |
| Record Updated | Oct 29, 2026 |
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 | $125,340 (+2.9%) | $254,294 (-0.1%) Land $42,500 Building $211,794 | |
| 2025 | $121,810 Land $42,500 Building $79,310 | $254,555 Land $42,500 Building $212,055 | |
| 2024 | $1,728.00 (+4.66%) | ||
| 2023 | $1,651.00 (+6.93%) Homeowner's exemption | $114,940 (+2.99%) | $185,373 (+9.4%) Land $25,500 Building $159,873 |
| 2022 | $1,544.00 Homeowner's exemption | $111,600 | $169,450 Land $11,050 Building $158,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 S 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 risk around 405 S Central Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 215 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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