Moving to Umatilla, Florida: The 2026 Data Guide
As of 2026-09-09, the median home sold in Umatilla, Florida over the last 12 months went for $322,000 (64 closings across 39 communities in Momentum’s MLS record), about $173 per square foot for a median 1,800-sq-ft home built around 2001. Homes currently listed have been on the market a median of 48 days, and with 41 active listings against that sales pace the city is carrying roughly 7.7 months of supply. Sellers have been getting about 94% of their original asking price. That median is 20% below the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Umatilla
Three price points from 67 recent Umatilla closings in our record, each showing what actually closed within 10% of that price:
- Around $240,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,269 sq ft, built around 1996 (9 sales).
- Around $322,000: the typical sale in this band was a 4-bed, 2-bath home of about 1,644 sq ft, built around 2025 (17 sales).
- Around $372,500: the typical sale in this band was a 4-bed, 2-bath home of about 1,800 sq ft, built around 2025 (20 sales).
The real monthly cost of owning in Umatilla
Take the median $322,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,664/month. Lake County’s typical total millage is 16.65 mills, so after the $50,000 homestead exemption the property tax is roughly $4,528/year ($377/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Lake County is about $1,756/year; private-market quotes vary with roof age and wind mitigation. 41% of current Umatilla listings carry an HOA, with a median of $75/month where one applies. All in, budget on the order of $2,188/month to own the median Umatilla home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Lake County property tax guide and our home insurance by county map.
Where people are buying: Umatilla’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Seasons at Magnolia Pointe | 20 | $351,692 | 196 |
| East Umatilla | 16 | $321,500 | 48 |
| Umatilla Lake Mary Estates Sub | 5 | $230,000 | 34 |
Umatilla by ZIP code
Sales and medians by ZIP over the same 12 months: 32784 (64 sales, median $331,562).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 99% were single-family homes. New construction accounted for 59% of closings, led by Seasons at Magnolia Pointe, East Umatilla. The housing stock skews newer: 47% of homes sold were built in 2015 or later and 26% before 1980.
Getting around from Umatilla
Measured from the center of Umatilla’s recent sales: Downtown Orlando is about 32 miles; Ocala is about 34 miles; Orlando International Airport (MCO) is about 41 miles; Daytona Beach is about 44 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Lake County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Lake County’s typical millage of 16.65; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Lake County average of $1,756/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Umatilla: the case for and against
What works in Umatilla’s favor
- prices run 20% below the statewide median in our coverage
- about 7.7 months of supply gives buyers room to negotiate
- 59% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,756/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Umatilla relocation toolkit
- Homes for sale in Umatilla right now
- Cost of living in Umatilla
- Best neighborhoods in Umatilla
- New construction in Umatilla
- Find an agent in Umatilla
- Search every Umatilla community
Common questions about moving to Umatilla
How much does a house cost in Umatilla, FL?
What does it cost per month to own a home in Umatilla?
What are property taxes like in Umatilla?
Is Umatilla a buyer's or seller's market right now?
Is there a lot of new construction in Umatilla?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Umatilla communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Lake County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.