Three Lakes
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.
Photo via Stellar MLS
As of September 2026, Three Lakes Sub in Umatilla, FL has 1 home for sale. Homes listed or recently sold were built 1958–1966.
| Location | Umatilla, Lake County, FL · ZIP 32784 |
|---|---|
| Homes in the community | 188 (FL DOR 2025 assessment roll) |
| Years built | 1910–2023 (median 1966.0) |
| Typical living area | 1,514 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| For sale right now | 1 active, 1 pending · median asking $249,000 · 4.0 months of supply |
| Owner-occupied (homestead) share | 73% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Three Lakes Sub key facts,” movewithmomentum.com/neighborhoods/three-lakes-sub, data as of September 20, 2026.
Last 30 days in Three Lakes: 1 new listing (median asking $249,000), 1 under contract right now. As of September 21, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Price here is driven by condition and lot, not by a uniform product. With a build span running from 1910 to 2023 and a median year built of 1966, Three Lakes Sub is not a subdivision in the modern sense — it is an older Umatilla pocket where two homes on the same street can be a century apart. That spread means the median price tells you the middle of the market, not what any specific house should trade for; a renovated older home and a tired one will sit far apart in value.
Median living space is about 1,500 square feet, so this is a market of modestly sized homes rather than large new builds. For a buyer, the work is in vetting condition, systems, and any updates behind the walls. For a seller, presentation and documented improvements carry more weight here than in a cookie-cutter neighborhood, because there is no comparable stack of identical floor plans to anchor your number.
Three Lakes right now
🟡 Balanced market. 4.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 21, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Three Lakes Sub is an established, mixed-vintage area of Umatilla in Lake County — 192 homes spanning more than a century of construction, so no two blocks read the same.
Stellar MLS sales records identify 61 homes in Three Lakes that have changed hands since 2005, built between 1957 and 2004 (median 1962), with a median living area of about 1,530 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 12 qualified sales in Three Lakes across 2024–2025 (4 in 2024, 8 in 2025), median $283,000 — 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 Three Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Three Lakes; content deemed reliable but not guaranteed.
Who Three Lakes is best for.
Best for
- Buyers comfortable evaluating an older home's condition and systems before committing
- Those wanting an established Lake County location rather than a new-build tract
- Buyers targeting a right-sized home around 1,500 square feet who value character over square footage
Probably not for
- Buyers who want a large, brand-new home with predictable modern systems
- Those who need identical comps to feel confident about price
- Buyers unwilling to budget for updates or deferred maintenance on older stock
The market around Three Lakes
Three Lakes 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 Three Lakes specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Three Lakes Sub, 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 Three Lakes
Live MLS inventory for Three Lakes. 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 Three Lakes listings as of 2026-09-20, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Every Home for Sale in Three Lakes Sub Right Now (2)
All 2 active and pending Three Lakes Sub listings with a detail page, newest first, refreshed twice a day from the MLS.
- 37401 Turner Drive · $249,000 · 2 bd / 1 ba · listed Sep 10, 2026 · listed by Lpt Realty, Llc
- 37406 Turner Drive · $289,000 · 3 bd / 2 ba · pending · listed Sep 3, 2026 · listed by Bhhs Florida Realty
Three Lakes 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.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Umatilla Elem · Elementary
- Umatilla Middle · Middle
- Umatilla High · High
Zoned schools reflect the assignments reported on recent Three Lakes listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Three Lakes address.
Shop the zone: Homes zoned for Umatilla High High School
The Three Lakes buying strategy.
If we were buying in Three Lakes 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 Three Lakes.
A century-wide mix, not a tract
The defining fact of Three Lakes Sub is age variety. Homes date as far back as 1910 and as recently as 2023, with the median landing at 1966. In practice that means original older construction, decades of infill, and the occasional new build all share the same streets. Square footage sits modest at a median around 1,500, so expect right-sized homes rather than sprawling ones.
Roughly 73 percent of homes here are homesteaded, which points to an owner-occupied core rather than an investor-churned one. That tends to translate into slower, more deliberate turnover — inventory does not flood the market, and when a well-kept home lists, it stands out against the older stock around it.
The location and the amenities are priced into every listing in Three Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood this varied, comps are the whole game — and they require judgment, not a formula. We know how to weigh a 1910 structure against a 2020s build, read what updates actually add value, and price a home against dissimilar neighbors. That is exactly the kind of hands-on analysis an automated estimate cannot do in a market with no repeating floor plans.
Three Lakes 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 Three Lakes 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 Three Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Three Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Three Lakes home worth?
Get a no-obligation home value based on real comparable sales in Three Lakes, 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 →
25% 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 (2026-09-21).
Frequently Asked Questions
Is Three Lakes a buyer's or seller's market right now?
How many homes are in Three Lakes?
What share of Three Lakes is owner-occupied?
When were the homes in Three Lakes built?
Who is the best real estate agent for Three Lakes?
How do I find a top Umatilla real estate agent who knows Three Lakes?
Can Momentum Realty connect me with an agent for Three Lakes?
Where is Three Lakes, and what county is it in?
Should you buy in Three Lakes?
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: September 20, 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 2014 (35 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Three Lakes Sub fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Three Lakes with Momentum Realty’s local guides.