831 S Central Ave, Umatilla, FL 32784 Property Records

Lake County property record for 831 S Central Ave, Umatilla, FL 32784

Property Summary

Property Type	Vehicle Sales & Rentals
Details	3 ba · 3,200 sqft · built 1988
Lot Size	0.459 acres (20,000 sqft)
Owner	Company Name on File
Last Sale	$489,000 (Nov 2025)
Tax Bill	$4,725 (2025)
Deeds & Mortgages	Nov 2025 Sale & Construction Loan Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-18-26-0050-000-00600`

Property Details

APN / Parcel Number

Primary APN	`23-18-26-0050-000-00600`
Alternative APNs	`261823005000000600` `2909013`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,200 sqft Gross Area
1st Floor Area	3,200 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Metal
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Deck Area	Deck Area
Patio Area	384 sqft
Canopy	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2909013
Street Address	831 S CENTRAL AVE
City	UMATILLA
State	FL
Zip	32784-9290
Property Category	Commercial
Property Type	Commercial > Retail > Vehicle Sales & Rentals
Local Zoning Code	C2
Legal Description	UMATILLA CLARA COMMERCIAL ESTATES LOT 6 PB 25 PG 42 ORB ORB 6342 PG 589
Legal Range	26E
Legal Township	18S
Legal Section	23
Legal Subdivision	UMATILLA CLARA COMMERCIAL ESTATES
Legal Tract	0050
Legal Lot Number	6
Jurisdiction	LAKE FL
Township / Civil Division	UMATILLA
Census Block Group	3
Census Block	3013
Census Tract	30110

Owner

831 S Central Ave, a commercial property, is owned by a company that bought it in November 2025.

Source: Lake County records, as of August 25, 2026

Owner of Record	Company Name on File
Mailing Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290
Owner Type	Company
Vesting	Limited Liability Partnership

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

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Warranty Deed, Construction Loan · Construction Mortgage TRISTAR BANK
Sep 28, 2023	Warranty Deed, Transfer APPLE TITLE LIMITED, APPLE TITLE LTD
Oct 12, 2018	Deed of Trust, Mortgage UNITED STHRN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	May 31, 2024 · Amount on File
Deed Document Number	2025144751
Deed Book / Page	6637 / 2135
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Nov 24, 2025
Property Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290
Document Number	0066372135
Book / Page	6637 / 2135
Map Reference	MB 25 PG 42
Instrument Date	Nov 20, 2025
Instrument	2025144751
Transaction Type	Construction Loan
Record Updated	Dec 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,423.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290

Mortgage

Document Number	0066372137
Date	Nov 24, 2025
Instrument	6637/2137

Lender

Name	TRISTAR BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 20, 2045

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 28, 2023
Property Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290
Document Number	0062172290
Book / Page	6217 / 2290
Map Reference	MB 25 PG 42
Instrument Date	Sep 15, 2023
Instrument	2023119053
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	APPLE TITLE LIMITED, APPLE TITLE LTD

Transaction

Amount	Amount on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 992, UMATILLA, FL 32784-0992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	930 DUCK BOX RD, UMATILLA, FL 32784-9429

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	831 S CENTRAL AVE, UMATILLA, FL 32784-9290
Document Number	0051861800
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1619 BANNING BEACH RD TAVARES FL 327782054, TAVARES, FL 32778-2054

Mortgage

Document Number	0051861800
Date	Oct 19, 2018
Book Page	005186/001800
Instrument	122972

Lender

Name	UNITED STHRN BK
Type	Bank
Address	UMATILLA, FL 32784

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 18, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 831 S Central Ave was $4,725, up 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Municipality	Umatilla City
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,755 (-) Land $73,200 Building $140,555	$213,755 (-) Land $73,200 Building $140,555
2025	$4,725.00 (+4.12%)	$213,755 Land $73,200 Building $140,555	$213,755 Land $73,200 Building $140,555
2024	$4,538.00 (+2.93%)
2023	$4,409.00 (+9.76%)	$211,002 (+7.93%)	$211,002 (+7.93%) Land $66,550 Building $144,452
2022	$4,017.00	$195,500	$195,500 Land $60,500 Building $135,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 831 S 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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 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

Wildfire risk around 831 S Central Ave is moderate, ranking above 57% 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 57% of the US · lower than 69% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: T-Mobile, Verizon.

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