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

Community in Umatilla · Lake County · ZIP 32784
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Built fromLive Stellar MLS dataUpdated twice daily

As of September 2026, the MLS records 1 closed sale in Thomas Cox Addition in Umatilla, FL, the most recent in February 2026. 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).

Live · Thomas Cox Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Thomas Cox is a small, quiet pocket in Umatilla, and the current MLS picture reflects that: there is not enough active listing volume in this feed to support a meaningful price trend, days-on-market pattern, or inventory count. That is not unusual for a community this size, but it does mean any pricing conversation here has to happen home-by-home rather than by pulling a neighborhood average.

For a buyer or seller, the practical takeaway is the same: come in ready to evaluate the specific property in front of you on its own condition, lot, and location within Umatilla, rather than leaning on a community-wide statistic that does not really exist yet in the data. We will pull comparable sales at the address level when you are ready to move.

Nearby homes for sale

No active listings inside Thomas CoxHomes for Sale in Umatilla, FL 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.

180 N KENTUCKY AVENUE
$285K · 0.2 mi away
4 bd · 3 ba · 1,756 sqft
180 N KENTUCKY AVENUE
Listed by AGENT TRUST REALTY CORPORATION
541 SUNSET AVENUE
$319K · 0.2 mi away
3 bd · 3 ba · 1,276 sqft
541 SUNSET AVENUE
Listed by OLYMPUS EXECUTIVE REALTY INC
555 WINOGENE AVE
$250K · 0.3 mi away
2 bd · 1.5 ba · 1,270 sqft
555 WINOGENE AVE
Listed by HANSON REAL ESTATE GROUP, INC.
603 W OCALA STREET
$365K · 0.3 mi away
4 bd · 2 ba · 2,109 sqft
603 W OCALA STREET
Listed by ALL FLORIDA PROPERTY GROUP,INC
47 DAVIS AVENUE
$559K · 0.3 mi away
3 bd · 2 ba · 2,380 sqft
47 DAVIS AVENUE
Listed by KELLER WILLIAMS HERITAGE REALTY
410 N ORANGE AVE
$75K · 0.3 mi away
3 bd · 1 ba · 930 sqft
410 N ORANGE AVE
Listed by SILVER DOOR REALTY LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Thomas Cox sits within Umatilla in Lake County, a small-footprint area where current MLS activity is too limited to generate reliable community-level statistics, so context here comes from the individual home rather than a neighborhood trend line.

Stellar MLS sales records identify 7 homes in Thomas Cox that have changed hands since 2007, built between 1910 and 2025 (median 1920), with a median living area of about 1,120 sq ft and a typical 3-bedroom, 1.5-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.

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 who have already identified a specific home or lot in Thomas Cox and want it evaluated on its own terms
  • Buyers comfortable making decisions without a deep neighborhood sales history to lean on
  • Sellers with a single property here who need a comp-driven, address-level pricing strategy rather than a community average

Probably not for

  • Buyers who want a community with an established amenity package
  • Buyers who rely heavily on neighborhood-wide price trend data before making an offer
  • Sellers expecting a fast, high-volume resale market with frequent comparable closings

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).

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 Thomas Cox specifically. Momentum Research analysis of MLS records.

If we were buying in Thomas Cox 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 Thomas Cox.

Best Buy
Buyers focused on a specific home or lot in Umatilla rather than a packaged, amenitized community.
Biggest Risk
Thin listing activity means there is no reliable trend data to anchor pricing decisions, so under- or over-pricing risk is higher without careful comp work.
Sweet Spot
Buyers or sellers who want a specific address in Umatilla and are prepared to evaluate it on its own merits.
Avoid If
Skip this one if you need an amenity package or a data-rich neighborhood to benchmark your purchase or sale against.

A Community Without a Data Trail Yet

There is no meaningful listing volume for Thomas Cox in the current MLS feed, which means we cannot responsibly report a median price, a typical time on market, or an amenity package for the community as a whole. No community amenities have been identified from current listings either, which suggests this is a smaller, more residential pocket rather than a planned or amenitized development.

That absence of data is itself useful information. It tells us this is not a high-turnover subdivision with a predictable resale rhythm. Anyone looking here should expect to do diligence at the individual property level, pulling recent comparable sales from the broader Umatilla market and walking the specific lot and structure rather than relying on neighborhood-wide benchmarks.

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.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community this thin on current MLS activity, the value we add is not a canned market report, it is direct comparable-sale research pulled from the surrounding Umatilla area and a straightforward read on what a specific home is actually worth before you write an offer or set a list price.

Thomas Cox in 15 seconds.

Best forBuyers focused on a specific home or lot in Umatilla rather than a packaged, amenitized community.
Biggest advantageThe quiet, small footprint keeps this off the radar of high-volume subdivision buyers, which can mean less competition on individual listings.
Biggest riskThin listing activity means there is no reliable trend data to anchor pricing decisions, so under- or over-pricing risk is higher without careful comp work.
Sweet spotBuyers or sellers who want a specific address in Umatilla and are prepared to evaluate it on its own merits.
Avoid ifSkip this one if you need an amenity package or a data-rich neighborhood to benchmark your purchase or sale against.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Thomas Cox 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 Thomas Cox.
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 Thomas Cox sales matched to your home.

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 →

Real comps, not an automated estimate.
Buyers who have already identified a specific home or lot in Thomas Cox and want it evaluated on its own termsExcellent fit
Buyers comfortable making decisions without a deep neighborhood sales history to lean onExcellent fit
Sellers with a single property here who need a comp-driven, address-level pricing strategy rather than a community averageExcellent fit
Buyers who want a community with an established amenity packageProbably not
Buyers who rely heavily on neighborhood-wide price trend data before making an offerProbably not
Sellers expecting a fast, high-volume resale market with frequent comparable closingsProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: September 19, 2026)
Under-contract sharesStellar MLS records, as of 2026-09-08
Historical depthClosed-sale records back to 2026 (1 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 →

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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.

TCThomas Cox0.0 mi away · 9 homes, built 1920–24UWUmatilla Whitley0.1 mi away · 32 homes, built 1910–23Umatilla Osceola Park0.2 mi away · median $215K, 3 sales/12 moUSUmatilla Swiss Bellevue0.2 mi away · 16 homes, built 1959–07SWSmiths W W0.2 mi awayUmatilla Yanceys0.2 mi away · 89 homes, built 1900–24, 1 for saleADAnna D Guerrant0.3 mi away · 50 homes, built 1900–24North Umatilla0.3 mi away · 161 homes, built 1900–24

Browse all neighborhood guides →

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Thomas Cox Addition Market Scorecard

No active listings

Thomas Cox Addition is currently a no active listings market. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$372,000
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/1
Active/Pend/Sold

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.