Twin Lake Estates
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.
As of September 2026, Twin Lake Estates in Umatilla, FL has 1 home for sale. As of September 2026, the MLS records 5 closed sales in Twin Lake Estates in Umatilla, FL since 2005, the most recent in March 2017. 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).
Twin Lake Estates is a small, established community in Umatilla built out mostly in the 2000s, with a median build year of 2005 and construction stretching as recently as 2024. With only one active listing against 56 total homes, this is not a market where you shop several comparable options at once - pricing and terms get set almost entirely by whatever single home happens to be on the market at the time.
The homestead share here runs high, close to four out of five homes, which points to a base of owner-occupancy rather than a market dominated by rentals or investor turnover. For a buyer, that generally means less churn and fewer distressed or flip-driven listings. For a seller, it means your home is likely to be judged on its own condition and finish rather than against a wide field of competing inventory.
The 60-Second Overview
Twin Lake Estates is a gated (no guard) community in Umatilla with a pool and clubhouse, built primarily between 2001 and 2024 and sized around a median home of roughly 1,511 square feet - a compact, low-turnover market where the current single listing effectively sets the going comparison.
Stellar MLS sales records identify 19 homes in Twin Lake Estates that have changed hands since 2005, built between 2001 and 2026 (median 2002), with a median living area of about 1,529 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 6 qualified sales in Twin Lake Estates across 2024 - 2025 (4 in 2024, 2 in 2025), median $324,900 - 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.
Who Twin Lake Estates is best for.
Best for
- Buyers who want a smaller, gated community with pool and clubhouse access rather than a large-scale development
- Buyers comfortable moving decisively when the community's limited inventory produces the right listing
- Buyers who value a track record of owner-occupancy over a heavily rental-driven market
Probably not for
- Buyers who want to compare several active listings within the same community before deciding
- Buyers unwilling to work through HOA buyer-approval requirements as part of the purchase process
- Buyers seeking a large-scale amenity package beyond a pool and clubhouse
The market around Twin Lake Estates
Twin Lake Estates 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 Twin Lake Estates specifically. Momentum Research analysis of MLS records.
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.
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).
TWIN LAKE ESTATES Market Scorecard
TWIN LAKE ESTATES is currently a thin data market. Limited supply, a median asking price of $359,999, and homes go under contract in about 172 days.
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: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Twin Lake Estates
Live MLS inventory for Twin Lake Estates. 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 Twin Lake Estates listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2017. Tap any home to ask about it.
Every Home for Sale in Twin Lake Estates Right Now (1)
All 1 active and pending Twin Lake Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 78 Fairway Circle · $359,999 · 3 bd / 2 ba · listed Jun 22, 2026 · listed by Brije Real Estate Llc
Life at Twin Lake Estates
- Pool · reported on 1 of 1 listings
- Buyer Approval Required · reported on 1 of 1 listings
- Clubhouse · reported on 1 of 1 listings
- Gated Community - No Guard · reported on 1 of 1 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
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 Twin Lake Estates 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 Twin Lake Estates address.
Shop the zone: Homes zoned for Umatilla High High School
The Twin Lake Estates buying strategy.
If we were buying in Twin Lake Estates 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 Twin Lake Estates.
A tight, owner-held pocket of Umatilla
With just 56 homes in the community and only one currently active on the market, Twin Lake Estates trades in small numbers. That scarcity cuts both ways: sellers aren't fighting a crowded shelf of similar listings, but buyers also can't wait for three or four options to compare - when something lists, it's often the only real choice in the community at that moment.
Buyer approval requirements are noted alongside the gated access, which is worth confirming directly with the HOA before writing an offer, since approval and community rules can affect timeline and financing more than they would in a non-restricted community. The amenities themselves - pool and clubhouse - are straightforward and shared, not the differentiator here; the differentiator is the limited supply and the age/condition spread across homes built from 2001 through 2024.
The location and the amenities are priced into every listing in Twin Lake Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with only one active listing, there's no room for guesswork on pricing or terms - you need someone who has actually pulled the HOA's buyer-approval requirements, confirmed gate and amenity access, and looked at what similar homes in Twin Lake Estates have actually closed at, not just what's currently listed. We do that legwork before you make an offer, not after.
Twin Lake Estates in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $50/month (about $600/yr) · median of 9 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $50 per month ($600 a year) - the median AssociationFee across 9 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Twin Lake Estates 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 Twin Lake Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Twin Lake Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Twin Lake Estates home worth?
Get a no-obligation home value based on real comparable sales in Twin Lake Estates, 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 →
Should you buy in Twin Lake Estates?
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 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (5 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 Twin Lake Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Twin Lake Estates
Where is Twin Lake Estates?
Twin Lake Estates is a community in UMATILLA, Lake County, Florida, ZIP 32784.
Are there homes for sale in Twin Lake Estates right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Twin Lake Estates have an HOA or CDD?
No HOA is on record for Twin Lake Estates 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 Twin Lake Estates with Momentum Realty’s local guides.