North Umatilla in Umatilla

North Umatilla
Homes for Sale in Umatilla, FL

All 70 homes for sale in UMATILLA, FL · median $359,900 · 66 homes for sale in 32784 · Lake County homes for sale

Community in Umatilla · Lake County · ZIP 32784
161 homesBuilt 1900–2024
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Built fromLive Stellar MLS data22 years of closingsFL DOR public recordsUpdated twice daily

Homes listed or recently sold were built 1961 - 2025 with 1 new construction; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 92 ft). As of October 2026, the MLS records 48 closed sales in North Umatilla in Umatilla, FL since 2004, the most recent in November 2025. Recorded prices across those 48 sales ran from $15,101 to $349,900 (median $100,000), on homes of 758 to 2,730 sq ft. Across Umatilla as a whole, 56 homes closed in the last 12 months at a median of $313,990, 92 median days on market, with 13 homes for sale today. At that median and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $1,660 ($990 with the full homestead exemption).

North Umatilla key facts
LocationUMATILLA, Lake County, FL · ZIP 32784
Homes in the community161 (FL DOR 2025 assessment roll)
Years built1900–2024 (median 1963)
Typical living area1,284 sq ft (median)
For sale right now0 active, 1 pending
Owner-occupied (homestead) share67%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “North Umatilla key facts,” movewithmomentum.com/neighborhoods/north-umatilla-umatilla, data as of September 20, 2026.

Live · North Umatilla Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
100%
Under contract
Lake: 25% (1,077 of 4,311)
0 · 1
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 0 a year
Ownership and context
67%
Owner-occupied · North Umatilla
109 of 162 parcels homesteaded (FL DOR 2025)
33%
Non-owner-occupied · North Umatilla
incl. 9% trust or LLC-held · 2% out-of-state
161
Homes in the community
plus 1 vacant residential lots · 162 residential parcels (FL DOR 2025)
Track record · 22 years of records
16
Recorded sales · 2024-2025
median $270K · qualified sales on the county roll (FL DOR 2025)
Est. 1900
Community established
homes built 1900-2024, median 1963 (FL DOR 2025)
0.6%/yr
Turnover rate
about 1 of 161 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

North Umatilla Umatilla is a small, older housing stock - 169 homes total, with a median build year of 1963 and typical living area around 1,284 square feet. That combination means pricing here is driven almost entirely by condition and updates rather than by size or new construction premiums. A renovated 1960s home and an untouched one sitting on the same street can carry very different asking prices, so comparables have to be read carefully rather than averaged.

There are currently no active listings and no closings in the most recent window, which tells you this is a thin, quiet market rather than an inactive one - inventory simply is not turning over right now. For sellers, that scarcity can work in your favor if you list into it; for buyers, it means patience and a standing search alert matter more here than in a market with steady supply.

The 60-Second Overview

This is a modest-sized, established pocket of Umatilla built out mostly in the mid-20th century, with a majority of homes held under homestead exemption - a signal that most owners here treat these as primary residences rather than investment or rental stock.

Stellar MLS sales records identify 33 homes in North Umatilla that have changed hands since 2004, built between 1925 and 2025 (median 1971), with a median living area of about 1,320 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 16 qualified sales in North Umatilla across 2024 - 2025 (13 in 2024, 3 in 2025), median $270,300 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buyers looking for an established, older-built home rather than new construction
  • Buyers comfortable evaluating condition and renovation history home by home
  • Owner-occupant buyers, given the area's high homestead-exemption share

Probably not for

  • Buyers who want on-demand inventory to choose from right now
  • Buyers who prioritize built-in community amenities or shared facilities
  • Buyers seeking larger square footage as a baseline expectation

The market around North Umatilla

North Umatilla is too small for its own price trend, so here is the market around it.

In ZIP 32784, 84 homes are on the market and 23% are under contract — a steady corner of Umatilla.

Across Lake County, 3,234 homes are active and 1,077 pending (25% under contract).

In ZIP 32784 (UMATILLA), 318 homes closed in the last 12 months at a median of $247K ($178/sq ft), down 2.8% year over year, with a median 73 days on market. Right now 15 active and 7 pending listings put supply at about 3.1 months - a balanced market. See the live ZIP 32784 housing market and the Lake County market.

ZIP and county figures describe the wider market, not North Umatilla specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in North Umatilla, UMATILLA

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 4 listings
Distress share trend - 0.0% now (2026-08-12 → 2026-09-21)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.

Homes For Sale Right Now in North Umatilla

Live MLS inventory for North Umatilla. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending North Umatilla listings as of 2026-10-09, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2025. Tap any home to ask about it.

Every Home for Sale in North Umatilla Umatilla Right Now (1)

All 1 active and pending North Umatilla Umatilla listings with a detail page, newest first, refreshed twice a day from the MLS.

  • 619 Wisteria Avenue · $239,000 · 3 bd / 1.5 ba · pending · listed Sep 7, 2026 · listed by Bhhs Florida Realty

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in North Umatilla today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in North Umatilla.

Best Buy
Buyers seeking an older, owner-occupied pocket of Umatilla rather than a new build community.
Biggest Risk
With zero active listings, there is currently nothing to compare a potential purchase against.
Sweet Spot
Smaller, updated homes near the 1,284 sq ft median that have been maintained since their original build.
Avoid If
You need immediate inventory or expect community amenities, since none were identified here.

An older, owner-held stock with no current inventory

With a median year built of 1963 and homes ranging as far back as 1900 up through 2024, North Umatilla Umatilla mixes original mid-century construction with scattered newer or rebuilt homes. That spread means due diligence on any given property should start with the actual build year and permit history, not assumptions based on the neighborhood's overall character. At roughly 1,284 square feet median, homes here skew smaller and more efficient rather than sprawling.

The homestead share of 67.6% is notable - it points to a base of owner-occupants rather than a rental-heavy or investor-flipped block, which tends to correlate with more consistent upkeep over time, though it's not a guarantee on any individual home. No community amenities were identified from current MLS listings, so this reads as a straightforward residential area without HOA-run recreation or shared facilities - worth confirming directly if that matters to your search.

“

The location and the amenities are priced into every listing in North Umatilla. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

With zero active listings and no recent closings to anchor pricing, this is exactly the kind of market where having someone track off-market activity and new listings the moment they hit matters - we monitor this pocket of Umatilla directly rather than relying on stale comps, and we can help you evaluate a specific home's build year and condition against what the rest of the 169-home inventory actually looks like.

North Umatilla in 15 seconds.

Best forBuyers seeking an older, owner-occupied pocket of Umatilla rather than a new build community.
Biggest advantageA high homestead share suggests owner-held stock rather than heavy rental or flip turnover.
Biggest riskWith zero active listings, there is currently nothing to compare a potential purchase against.
Sweet spotSmaller, updated homes near the 1,284 sq ft median that have been maintained since their original build.
Avoid ifYou need immediate inventory or expect community amenities, since none were identified here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the North Umatilla homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in North Umatilla.
In short
  • HOA status not on record. Verify any dues before you offer
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed North Umatilla sales matched to your home.

What is your North Umatilla home worth?

Get a no-obligation home value based on real comparable sales in North Umatilla, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Umatilla →

Real comps, not an automated estimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,250/mo
Lake County typical true cost to own
$146/mo
Lake County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

21% of homes for sale in ZIP 32784 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-09).

Frequently Asked Questions

How many homes are in North Umatilla?
The Florida DOR 2025 assessment roll shows 161 homes plus 1 vacant residential lots in North Umatilla (public records).
What share of North Umatilla is owner-occupied?
67% of North Umatilla parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in North Umatilla built?
Homes in North Umatilla were built between 1900 and 2024, with a median year built of 1963 (FL DOR 2025 roll).
Who is the best real estate agent for North Umatilla?
The best agent for North Umatilla is one who actively works Umatilla and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for North Umatilla.
How do I find a top Umatilla real estate agent who knows North Umatilla?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows North Umatilla and the wider Umatilla area.
Can Momentum Realty connect me with an agent for North Umatilla?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your North Umatilla purchase or sale - no call center and no pressure.
Where is North Umatilla, and what county is it in?
North Umatilla is in UMATILLA, Lake County, FL, ZIP 32784.
Buyers looking for an established, older-built home rather than new constructionExcellent fit
Buyers comfortable evaluating condition and renovation history home by homeExcellent fit
Owner-occupant buyers, given the area's high homestead-exemption shareExcellent fit
Buyers who want on-demand inventory to choose from right nowProbably not
Buyers who prioritize built-in community amenities or shared facilitiesProbably not
Buyers seeking larger square footage as a baseline expectationProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 9, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (6 streets, ZIP 32784))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2004 (48 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

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CallFree valuation →
Thinking of selling in North Umatilla? 1 recorded closings (window ending 2026-09-20). See the Lake County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near North Umatilla with Momentum Realty’s local guides.

SWSmiths W W0.1 mi awayUNUmatilla North0.2 mi away · median $219K, 4 sales/12 moUmatilla Osceola Park0.2 mi away · median $215K, 3 sales/12 moUWUmatilla Whitley0.2 mi away · 32 homes, built 1910–23Umatilla Yanceys0.4 mi away · 89 homes, built 1900–24, 1 for saleUSUmatilla Swiss Bellevue0.5 mi away · 16 homes, built 1959–07ADAnna D Guerrant0.5 mi away · 50 homes, built 1900–24

Browse all neighborhood guides →

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