Umatilla
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 data21 years of closingsUpdated twice daily

As of September 2026, the MLS records 24 closed sales in Umatilla in Umatilla, FL since 2005, the most recent in April 2024. 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).

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Umatilla is a small, condition-driven market. With just 74 homes in the snapshot and a build range spanning from the early twentieth century through 2024, price here is set less by a single prevailing style than by the age, condition, and updates of the specific house in front of you. The median year built sits right around 1969, so you are shopping a genuine mix of older stock and newer construction, and the spread between a tired original home and a renovated or new one is wide.

For buyers, that means underwriting each property on its own merits rather than assuming a neighborhood norm. For sellers, condition and updates do the heavy lifting; a well-kept or recently improved home stands apart in a pool this small. With a homestead share of two-thirds, most owners occupy their homes, which tends to keep turnover measured and inventory tight.

Nearby homes for sale

No active listings inside UmatillaHomes 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.

143 BULLDOG LANE
$169K · 0.3 mi away
2 bd · 2 ba · 1,104 sqft
143 BULLDOG LANE
Listed by COACH LIGHT REAL ESTATE LLC
410 N ORANGE AVE
$75K · 0.5 mi away
3 bd · 1 ba · 930 sqft
410 N ORANGE AVE
Listed by SILVER DOOR REALTY LLC
60 OWENS STREET
$385K · 0.5 mi away
3 bd · 2 ba · 1,670 sqft
60 OWENS STREET
Listed by OLYMPUS EXECUTIVE REALTY INC
362 LAKE STREET
$350K · 0.5 mi away
3 bd · 2 ba · 1,341 sqft
362 LAKE STREET
Listed by LPT REALTY, LLC
321 CASSADY STREET
$250K · 0.5 mi away
2 bd · 2 ba · 1,520 sqft
321 CASSADY STREET
Listed by ALDEN REALTY LLC
80 WHITCOMB AVENUE
$345K · 0.6 mi away
3 bd · 2 ba · 1,662 sqft
80 WHITCOMB AVENUE
Listed by OLYMPUS EXECUTIVE REALTY INC

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

The 60-Second Overview

Umatilla, in Lake County, is a compact market where a century-plus range of build years and a modest median living size near 1,325 square feet mean no two listings are quite alike. It rewards buyers who read each home individually.

Stellar MLS sales records identify 18 homes in Umatilla that have changed hands since 2005, built between 1890 and 2024 (median 1984), with a median living area of about 1,444 sq ft and a typical 3-bedroom, 2-bath layout; 94% 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 8 qualified sales in Umatilla across 2024–2025 (4 in 2024, 4 in 2025), median $260,000 — 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.

Best for

  • Buyers who want a modest-sized home near the median footprint and will judge value by condition
  • Buyers open to either an older character home or newer construction and flexible on which they land
  • Owner-occupants planning to hold and homestead rather than chase quick turnover

Probably not for

  • Buyers who need a large floor plan well above the median living size
  • Buyers who want deep inventory and many comparable options at once
  • Buyers expecting a uniform, single-era subdivision look

The market around Umatilla

Umatilla 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 Umatilla specifically. Momentum Research analysis of MLS records.

If we were buying in Umatilla 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 Umatilla.

Best Buy
Buyers comfortable evaluating a home on its own condition rather than a neighborhood norm.
Biggest Risk
A thin pool of 74 homes means limited choice and quick action on the good ones.
Sweet Spot
A move-in-ready home around the median size that pairs updated systems with modest square footage.
Avoid If
You need broad selection or a large floor plan on demand.

A small pool with a long build history

The defining feature here is variety inside a tiny footprint. Seventy-four homes is a thin market, and with construction dates running from 1910 to 2024, you can tour an original early-century house and a current-year build in the same afternoon. The median year built near 1969 tells you the center of gravity is older, but there is real newer product mixed in. Living space runs modest, with a median around 1,325 square feet, so expect right-sized layouts rather than sprawling floor plans.

That mix drives the price conversation. Because condition and updates vary so widely, the single median figure only frames the middle of the market; the actual number on any given home turns on roof, systems, and finishes. Two-thirds of homes carrying homestead status points to an owner-occupied core and typically slower turnover, which means desirable, move-in-ready homes can move before a wide audience sees them.

The location and the amenities are priced into every listing in Umatilla. 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 market this small, the wrong assumption costs real money. We underwrite each Umatilla home on its own condition and age rather than a neighborhood average, so you know whether you are paying for bones, updates, or new construction. With inventory thin and most homes owner-occupied, we help buyers move decisively on the right listing and help sellers position condition-forward homes to stand out in a shallow pool.

Umatilla in 15 seconds.

Best forBuyers comfortable evaluating a home on its own condition rather than a neighborhood norm.
Biggest advantageA genuinely wide build range, from early-century homes to current-year construction.
Biggest riskA thin pool of 74 homes means limited choice and quick action on the good ones.
Sweet spotA move-in-ready home around the median size that pairs updated systems with modest square footage.
Avoid ifYou need broad selection or a large floor plan on demand.

HOA, CDD & Fees

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

What is your Umatilla home worth?

Get a no-obligation home value based on real comparable sales in 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 →

Real comps, not an automated estimate.
Buyers who want a modest-sized home near the median footprint and will judge value by conditionExcellent fit
Buyers open to either an older character home or newer construction and flexible on which they landExcellent fit
Owner-occupants planning to hold and homestead rather than chase quick turnoverExcellent fit
Buyers who need a large floor plan well above the median living sizeProbably not
Buyers who want deep inventory and many comparable options at onceProbably not
Buyers expecting a uniform, single-era subdivision lookProbably not

Data sources & freshness

Under-contract sharesStellar MLS records, as of 2026-09-08
Historical depthClosed-sale records back to 2005 (24 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.

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Thinking of selling in Umatilla? See the Lake County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Common questions about Umatilla

Where is Umatilla?

Umatilla is a community in Umatilla, Lake County, Florida, ZIP 32784.

Are there homes for sale in Umatilla right now?

No active listings inside Umatilla at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.

Does Umatilla have an HOA or CDD?

No HOA is on record for Umatilla 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 Umatilla with Momentum Realty’s local guides.

PCPeggys Cove0.3 mi awayWWhitcombs0.4 mi awayUWUmatilla Whitcombs0.5 mi away · 40 homes, built 1910–23Umatilla Oak Park0.6 mi away · 156 homes, built 1910–23USUmatilla Smith Turner0.6 mi away · 6 homes, built 1986–99Umatilla Kristin Terrace0.7 mi away · 41 homes, built 1910–23UGUmatilla Grove Park0.7 mi away · 13 homes, built 1982–87UOUmatilla Orange Court0.7 mi away · 136 homes, built 1881–24

Browse all neighborhood guides →

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