Umatilla Cottages at Waters Edge
Homes for Sale in Umatilla, FL

Umatilla Cottages At Waters Edge is a small, tightly held community in Umatilla where listings surface infrequently - buyers here are typically watching for the next home to come up rather than choosing among several.

Stellar MLS sales records identify 11 homes in Umatilla Cottages At Waters Edge that have changed hands since 2017, built between 2007 and 2018 (median 2017), with a median living area of about 1,211 sq ft and a typical 2-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.

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.

Umatilla Cottages at Waters Edge 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 Cottages at Waters Edge specifically. Momentum Research analysis of MLS records.

Two things stand out in the community's MLS record: a Handicap Modified designation on at least one reported home, and a Buyer Approval Required condition tied to the HOA. Together they point to a community with a defined approval process and some accessibility-modified housing stock - both worth confirming directly with the HOA before writing an offer, since MLS notes on amenities and access can lag what is actually current.

With active inventory at a single listing, pricing conversations here are case-by-case. There is no meaningful spread of comparable homes to triangulate value from, so condition, lot specifics, and any modifications on that one home carry more weight than they would in a community with a deeper bench of listings.

In a community this thin, the work is less about comparing listings and more about verifying what is actually true of the one home available - HOA approval terms, any modifications noted, and how those play against what a buyer actually needs. We do that legwork before you're emotionally attached to a listing, not after.

Listings in this community report association dues of about $100 per month ($1,200 a year) - the median AssociationFee across 20 MLS records, normalised to a monthly figure; most are billed monthly. 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.