Lake County property record for 55 N Central Ave, Umatilla, FL 32784
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3 ba · 3,960 sqft · built 1922 |
| Lot Size | 0.173 acres (7,538 sqft) |
| Owner | Company Name on File |
| Last Sale | $420,000 (Mar 2024) |
| Tax Bill | $6,018 (2024) |
| Deeds & Mortgages | Jan 2026 Line of Credit Mar 2024 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-18-26-1200-00G-00300 |
| Primary APN | 13-18-26-1200-00G-00300 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,960 sqft Total Area |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 7,538 sqft (0.173 acres) |
| Lot Width | 41 ft Width |
| Canopy | 620 sqft |
| Cooling System | Central |
|---|
| Account Number | 1130964 |
|---|---|
| Street Address | 55 N CENTRAL AVE |
| City | UMATILLA |
| State | FL |
| Zip | 32784-8430 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | UMATILLA YANCEY'S ADD S'LY 46.5 FT OF LOT 3--LESS W'LY 15 FT--N'LY 13.80 FT OF LOT 4 BLK G--LESS W'LY 15 FT-- PB 1 PG 30 ORB |
| Legal Range | 26E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | YANCEY'S ADD |
| Legal Tract | 1200 |
| Legal Block | G |
| Legal Lot Number | 3-4 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | UMATILLA |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 30110 |
55 N Central Ave, a commercial property, is owned by a company that bought it in March 2024 and is owner-occupied.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 55 N CENTRAL AVE, UMATILLA, FL 32784-8430 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED SOUTHERN BANK |
| Mar 19, 2024 | Warranty Deed, Construction Loan · Construction Mortgage THE FIRST NATIONAL BANK OF MOUNT DO |
| Sep 13, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2024 · Amount on File |
| Deed Sale | Mar 19, 2024 · Amount on File |
| Prior Sale | Sep 13, 2019 · Amount on File |
| Deed Document Number | 2024031853 |
| Deed Book / Page | 6302 / 220 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 55 N CENTRAL AVE, UMATILLA, FL 32784-8430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Name | Verified Name |
|---|---|
| Address | 55 N CENTRAL AVE, UMATILLA, FL 32784-8430 |
| Document Number | 0066701090 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 6670/1090 |
| Instrument | 2026008879 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | UMATILLA, FL 32784 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 16, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Mar 19, 2024 |
| Property Address | 55 N CENTRAL AVE, UMATILLA, FL 32784-8430 |
| Document Number | 0063020220 |
| Book / Page | 6302 / 220 |
| Map Reference | MB 1 PG 30 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 2024031853 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 5, 2024 |
| Title Company | APPLE TITLE LIMITED, APPLE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 696 W OCALA ST, UMATILLA, FL 32784-9031 |
| Name | Verified Name |
|---|---|
| Address | 285 S CENTRAL AVE, UMATILLA, FL 32784-8411 |
| Document Number | 0006302222 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 6302/222 |
| Name | THE FIRST NATIONAL BANK OF MOUNT DO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 7, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 13, 2019 |
| Property Address | 55 N CENTRAL AVE, UMATILLA, FL 32784-8430 |
| Document Number | 0053401957 |
| Book / Page | 005340 / 001957 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 103088 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,645.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 696 W OCALA ST UMATILLA FL 327849031, UMATILLA, FL 32784-9031 |
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 | $325,002 Land $61,795 Building $263,207 | $325,002 Land $61,795 Building $263,207 | |
| 2024 | $6,018.00 (+10.1%) | ||
| 2023 | $5,466.00 (+12.19%) | $264,991 (+16.06%) | $264,991 (+16.06%) Land $56,182 Building $208,809 |
| 2022 | $4,872.00 | $228,332 | $228,332 Land $51,074 Building $177,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 N Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 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 risk around 55 N Central Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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