Thomas & Cox
Homes for Sale in Umatilla, FL
All 70 homes for sale in Umatilla, FL · median $364,900 · 63 homes for sale in 32784 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
Nearby homes for sale
No active listings inside Thomas & Cox Add right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
As of September 2026, the MLS records 9 closed sales in Thomas & Cox Add in Umatilla, FL since 2005, the most recent in July 2025. 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 $5,230 ($4,560 with the full homestead exemption).
The market around Thomas & Cox
Thomas & Cox is too small for its own price trend, so here is the market around it.
In ZIP 32784, 94 homes are on the market and 22% are under contract — a steady corner of Umatilla.
Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).
ZIP and county figures describe the wider market, not Thomas & Cox specifically. Momentum Research analysis of MLS records.
The Thomas & Cox buying strategy.
If we were buying in Thomas & Cox 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 Thomas & Cox.
The location and the amenities are priced into every listing in Thomas & Cox. The deal is won or lost on condition, the comps, and the renovation math.
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 Thomas & Cox 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 Thomas & Cox sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Thomas & Cox, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Thomas & Cox home worth?
Get a no-obligation home value based on real comparable sales in Thomas & Cox, 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 →
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 19, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (9 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 Thomas & Cox Add fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Thomas & Cox
Where is Thomas & Cox?
Thomas & Cox is a community in Umatilla, Lake County, Florida, ZIP 32784.
Are there homes for sale in Thomas & Cox right now?
No active listings inside Thomas & Cox at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Thomas & Cox have an HOA or CDD?
No HOA is on record for Thomas & Cox in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
More Umatilla & Lake County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lake County or the full Neighborhood Finder.
Nearby Communities
Explore more neighborhoods near Thomas & Cox with Momentum Realty’s local guides.
Thomas Cox Add Market Scorecard
Thomas Cox Add is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32784 ZIP is $294,131, about 15.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.