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46 S Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 46 S Central Ave, Umatilla, FL 32784

Property Summary

Property TypeDuplex
Details5 bd · 3.5 ba · 2,708 sqft · built 1920
Lot Size0.366 acres (15,960 sqft)
OwnerCompany Name on Record
Last Sale$120,000 (Aug 2019)
Tax Bill$4,405 (2024)
Deeds & MortgagesJun 2021 Mortgage
Aug 2019 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN13-18-26-1200-00H-00600

Property Details

APN / Parcel Number

Primary APN13-18-26-1200-00H-00600
Alternative APNs
  • 261813120000H00600
  • 1501717

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,708 sqft Living Area
1st Floor Area1,380 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2011
Architectural StyleDuplex Single
Exterior MaterialWood
Construction TypeFrame
Roof MaterialAsphalt
Lot Area15,960 sqft (0.366 acres)
Lot Dimensions140 ft deep x 105 ft wide
Garage TypeDetached
Garage Area200 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area729 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Account Number1501717
Street Address46 S CENTRAL AVE
CityUMATILLA
StateFL
Zip32784-9581
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeC1
Legal DescriptionUMATILLA YANCEYS ADD LOT 6 N 54 FT OF LOT 7 BLK H PB 1 PG 30 ORB 5726 PG 1089
Legal Range26E
Legal Township18S
Legal Section13
Legal SubdivisionUMATILLA YANCEYS ADD
Legal Tract1200
Legal BlockH
Legal Lot Number6
JurisdictionLAKE FL
Township / Civil DivisionUMATILLA
Census Block Group1
Census Block1063
Census Tract30110

Owner

Source: Lake County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address231 RUBY AVE, G, KISSIMMEE, FL 34741-5640
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Jun 9, 2021Quit Claim Deed, Transfer
UNITED SOUTHERN BANK
Aug 12, 2019Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Mar 27, 2019Warranty Deed, Transfer
NOT AVAILABLE
Nov 8, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 12, 2019 · Amount on Record
Deed SaleAug 12, 2019 · Amount on Record
Prior SaleFeb 29, 2016 · Amount on Record
Deed Document Number201990671
Deed Book / Page5325 / 118
Prior Transfer DateJan 16, 2019
Prior Transfer Doc0052542048
Record UpdatedJun 8, 2026

June 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateJun 9, 2021
Property Address46 S CENTRAL AVE, UMATILLA, FL 32784-9581
Document Number0057261089
Book / Page5726 / 1089
Map ReferenceMB 1 PG 30
Instrument DateMay 10, 2021
Instrument2021079454
Transaction TypeTransfer
Record UpdatedMay 18, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address231 RUBY AVEG, KISSIMMEE, FL 34741

Transferred To (Grantee/Buyer)

NameVerified Name
Address231 RUBY AVE STE G, G, KISSIMMEE, FL 34741-5640

Mortgage

Document Number0057261092
DateJun 9, 2021
Book Page5726/1092
Instrument2021079456
Lender
NameUNITED SOUTHERN BANK
TypeBank
AddressUMATILLA, FL 32784
Agreement
AmountAmount Recorded
Term239 Months
DueMay 26, 2041

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateAug 12, 2019
Property Address46 S CENTRAL AVE, UMATILLA, FL 32784-9581
Document Number0053250118
Book / Page5325 / 0118
Map ReferenceMB 1 PG 30
Instrument DateAug 7, 2019
Instrument2019090671
Transaction TypeTransfer
Record UpdatedJan 11, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$840.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address42507 W ALTOONA RD, 42507, ALTOONA, FL 32702-9559

Transferred To (Grantee/Buyer)

NameVerified Name
Address231 RUBY AVE, KISSIMMEE, FL 34741-5640

Mortgage

Document Number0053250120
DateAug 12, 2019
Instrument5325/0120
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE FL
Recording DateMar 27, 2019
Property Address46 S CENTRAL AVE, UMATILLA, FL 32784-9581
Document Number0052542048
Book / Page005254 / 002048
Instrument DateJan 16, 2018
Instrument33508
Transaction TypeTransfer
Record UpdatedApr 9, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address42507 W ALTOONA RD ALTOONA FL 327029559, ALTOONA, FL 32702-9559

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE FL
Recording DateNov 8, 2017
Property Address46 S CENTRAL AVE, UMATILLA, FL 32784-9581
Document Number0050241081
Book / Page005024 / 001081
Instrument DateNov 7, 2017
Instrument119418
Transaction TypeTransfer
Record UpdatedNov 30, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 S CENTRAL AVE UMATILLA FL 327849520, UMATILLA, FL 32784-9520

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$250,210 (-0.01%) Land $56,000 Building $194,210$250,210 (-0.01%) Land $56,000 Building $194,210
2025$250,229 (+2.82%) Land $56,000 Building $194,229$250,229 (+2.82%) Land $56,000 Building $194,229
2024$4,405.00 (+6.79%)
2023$4,125.00 (+33.11%)$243,366 (+65.17%)$243,366 (+65.17%) Land $56,000 Building $187,366
2022$3,099.00$147,347$147,347 Land $28,000 Building $119,347

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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 138 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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