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431 S Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 431 S Central Ave, Umatilla, FL 32784

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,668 sqft · built 1910
Lot Size0.321 acres (13,975 sqft)
Owner2 Individual Names on Record
Tax Bill$1,679 (2024)
Deeds & MortgagesSep 2025 Transfer
Flood ZoneZone X (minimal risk)
APN13-18-26-0500-00F-00103

Property Details

APN / Parcel Number

Primary APN13-18-26-0500-00F-00103
Alternative APNs
  • 261813050000F00103
  • 1500044

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,668 sqft Living Area
1st Floor Area1,668 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1986
Exterior MaterialWood
Construction TypeFrame
Roof TypeSawtooth
Roof MaterialMetal
Lot Area13,975 sqft (0.321 acres)
Lot Dimensions231 ft deep x 61 ft wide
Garage TypeCarport
Garage Area350 sqft
CarportCarport
Carport Area350 sqft
Utility Building448 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number1500044
Street Address431 S CENTRAL AVE
CityUMATILLA
StateFL
Zip32784-9574
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRP
Legal DescriptionUMATILLA MITCHENORS ADD S 60.5 FT OF N 249 FT OF LOT 1 BLK F PB 1 PG 56 ORB 3212 PG 275
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionMITCHENORS ADD
Legal Tract0500
Legal BlockF
Legal Lot Number1
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1088
Census Tract30109

Owner

Source: Lake County records, as of March 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address18406 BOYS RANCH RD, ALTOONA, FL 32702-9094
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateSep 9, 2025
Transfer Doc0065950817
Record UpdatedSep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE FL
Recording DateSep 11, 2025
Property Address431 S CENTRAL AVE, UMATILLA, FL 32784-9574
Document Number0065950817
Book / Page6595 / 817
Instrument DateSep 9, 2025
Instrument2025112520
Transaction TypeTransfer
Record UpdatedOct 1, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address18406 BOYS RANCH RD, ALTOONA, FL 32702-9094

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address18406 BOYS RANCH RD, ALTOONA, FL 32702-9094

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyLake County
MunicipalityUmatilla City
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$129,214 (-) Land $42,500 Building $86,714$129,214 (-) Land $42,500 Building $86,714
2025$129,214 (+30.3%) Land $42,500 Building $86,714$129,214 (+30.3%) Land $42,500 Building $86,714
2024$1,679.00 (+13.6%)$99,168 (+23.62%) Land $42,500 Building $56,668$99,168 (+23.62%) Land $42,500 Building $56,668
2023$1,478.00 (+16.1%)$80,217 (+21.97%)$80,217 (+21.97%) Land $25,500 Building $54,717
2022$1,273.00$65,767$65,767 Land $11,050 Building $54,717

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemUMATILLA WATER WORKS (2 WPS)
serves 3,948 people · EPA ID FL3351402
Water SourceGroundwater
Last State InspectionOct 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 215 locations within half a mile, as of December 31, 2025

ProviderMax 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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