Lake County property record for 40615 Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,648 sqft · built 2023 |
| Lot Size | 0.311 acres (13,570 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,800 (Apr 2023) |
| Tax Bill | $4,304 (2024) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-18-27-0100-047-02700 |
| Primary APN | 08-18-27-0100-047-02700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,648 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 13,570 sqft (0.311 acres) |
| Lot Dimensions | 115 ft deep x 118 ft wide |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3933373 |
|---|---|
| Street Address | 40615 CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-7531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST UMATILLA PB 6 PG 87 LOTS 27 28 29 30 BLK 47 ORB 6131 PG 218 |
| Legal Subdivision | EAST UMATILLA |
| Legal Block | 47 |
| Legal Lot Number | 27-30 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 30109 |
40615 Central Ave is owned and occupied by an individual who bought it in April 2023.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 40615 CENTRAL AVE, UMATILLA, FL 32784-7531 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on File |
| Deed Sale | Apr 26, 2023 · Amount on File |
| Deed Document Number | 2023048069 |
| Deed Book / Page | 6131 / 218 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Apr 26, 2023 |
| Property Address | 40615 CENTRAL AVE, UMATILLA, FL 32784-7531 |
| Document Number | 0061310218 |
| Book / Page | 6131 / 218 |
| Map Reference | MB 6 PG 87-95 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023048069 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2024 |
| Title Company | HOMELAND TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,098.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10604 CRESCENT LAKE CT, CLERMONT, FL 34711-5018 |
| Name | Verified Name |
|---|---|
| Address | 40615 CENTRAL AVE, UMATILLA, FL 32784-7531 |
| Document Number | 0006131219 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 6131/219 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $274,148 Land $53,100 Building $221,048 | $274,148 Land $53,100 Building $221,048 | |
| 2024 | $4,304.00 (+686.84%) | ||
| 2023 | $547.00 (+64.76%) | $24,000 (-) | $24,000 (-) Land $24,000 |
| 2022 | $332.00 | $24,000 | $24,000 Land $24,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 40615 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 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 40615 Central Ave is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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