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
True comps, carrying-cost math, and listings before the portals.
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).
| Location | UMATILLA, Lake County, FL · ZIP 32784 |
|---|---|
| Homes in the community | 161 (FL DOR 2025 assessment roll) |
| Years built | 1900–2024 (median 1963) |
| Typical living area | 1,284 sq ft (median) |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 67% |
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.

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.
The setting & the homes.
Aerial and on-site photos of North Umatilla. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in North Umatilla; content deemed reliable but not guaranteed.
Who North Umatilla is best for.
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.
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
North Umatilla on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
The North Umatilla buying strategy.
If we were buying in North Umatilla today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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.
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.
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.
HOA, CDD & Fees
- 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.
Tools for a North Umatilla buy.
Free calculators to pressure-test the real cost before you tour.
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.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in North Umatilla, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
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.
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).
More UMATILLA home searches
- All homes for sale in UMATILLA, FL
- Homes for sale in Lake County, FL
- UMATILLA pool homes for sale
- UMATILLA waterfront homes for sale
- Homes under $300K in UMATILLA
- Homes from $300K to $500K in UMATILLA
- 4-bedroom homes for sale in UMATILLA
- UMATILLA home values: what is my house worth?
- ZIP 32784 housing scorecard
- 10 coming-soon communities in Lake County
Frequently Asked Questions
How many homes are in North Umatilla?
What share of North Umatilla is owner-occupied?
When were the homes in North Umatilla built?
Who is the best real estate agent for North Umatilla?
How do I find a top Umatilla real estate agent who knows North Umatilla?
Can Momentum Realty connect me with an agent for North Umatilla?
Where is North Umatilla, and what county is it in?
Should you buy in North Umatilla?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 9, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32784)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how North Umatilla fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near North Umatilla with Momentum Realty’s local guides.



