Lake County property record for 45 S Central Ave, Umatilla, FL 32784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1908 |
| Lot Size | 0.372 acres (16,232 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Apr 1986) |
| Tax Bill | $3,383 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-2600-000-00501 |
| Primary APN | 13-18-26-2600-000-00501 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,132 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Asbestos |
| Construction Type | Steel Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Shingle |
| Lot Area | 16,232 sqft (0.372 acres) |
| Lot Width | 122 ft Width |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Pool Area | 240 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 588 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2803649 |
|---|---|
| Street Address | 45 S CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UMATILLA SINK'S SUB FROM NW COR LOT 1 RUN S 26DEG W ALONG E R/W CENTRAL AVE 376 FT FOR POB RUN S 74DEG 12MIN E 134.4 FT S |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | SINK'S |
| Legal Tract | 2600 |
| Legal Lot Number | 1,5-6 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 30109 |
45 S Central Ave is owned by two individuals who bought it in April 1986.
Source: Lake County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 319, UMATILLA, FL 32784-0319 |
| 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 1, 1986 · Amount on File |
| Deed Sale | Apr 1, 1986 · Amount on File |
| Deed Document Number | 0000873331 |
| Record Updated | Jun 8, 2026 |
Source: Lake County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $190,999 Land $90,000 Building $100,999 | $190,999 Land $90,000 Building $100,999 | |
| 2024 | $3,383.00 (+16.53%) | ||
| 2023 | $2,903.00 (+16.35%) | $165,176 (+30.14%) | $165,176 (+30.14%) Land $67,500 Building $97,676 |
| 2022 | $2,495.00 | $126,926 | $126,926 Land $29,250 Building $97,676 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 S Central Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 45 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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 138 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 |
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