Lake County property record for 40640 Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,652 sqft · built 2006 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,300 (Jul 2010) |
| Tax Bill | $1,716 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-18-27-0100-046-01600 |
| Primary APN | 08-18-27-0100-046-01600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 1,652 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,625 sqft (0.198 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 222 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3784691 |
|---|---|
| Street Address | 40640 CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | EAST UMATILLA LOTS 16 17 18 BLK 46 PB 6 PGS 87-95 ORB 3930 PG 397 ORB 4021 PG 2336 |
| Legal Range | 27E |
| Legal Township | 18S |
| Legal Section | 8 |
| Legal Subdivision | EAST UMATILLA |
| Legal Tract | 0100 |
| Legal Block | 46 |
| Legal Lot Number | 16 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 30109 |
40640 Central Ave is owned and occupied by an individual who bought it in July 2010.
Source: Lake County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1355, ALTOONA, FL 32702-1355 |
| 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 | Jul 23, 2010 · Amount on File |
| Deed Sale | Jul 23, 2010 · Amount on File |
| Prior Sale | Feb 11, 2010 |
| Deed Document Number | 201074054 |
| Deed Book / Page | 3930 / 397 |
| Prior Transfer Date | Jun 14, 2010 |
| Prior Transfer Doc | 0040212336 |
| Record Updated | Jun 8, 2026 |
Source: Lake County assessment roll, as of November 26, 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 |
|---|---|---|---|
| 2026 | $115,600 (+2.89%) | $231,132 (-) Land $38,813 Building $192,319 | |
| 2025 | $112,350 Land $38,813 Building $73,537 | $231,132 Land $38,813 Building $192,319 | |
| 2024 | $1,716.00 (+16.18%) | ||
| 2023 | $1,477.00 (+14.32%) Homeowner's exemption | $106,010 (+2.99%) | $178,299 (+7.82%) Land $38,813 Building $139,486 |
| 2022 | $1,292.00 Homeowner's exemption | $102,930 | $165,361 Land $25,875 Building $139,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40640 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 40640 Central Ave is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 112 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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