Umatilla Kristin Terrace
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, the MLS records 3 closed sales in Umatilla Kristin Terrace in Umatilla, FL since 2016, the most recent in August 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).
Kristin Terrace is small enough that the math is different from most communities we cover: twelve homes total, and as of this snapshot only one of them is actively listed. That means there is effectively no live comp set to lean on at any given moment - pricing here has to be built from recent closings and condition, not from browsing what else is on the market right now.
The build-year range runs from 1913 up to 1984, with the median landing at the newer end of that span. That spread tells you the neighborhood is not architecturally uniform - a handful of much older structures sit alongside homes built decades later. For a buyer or seller, that means age and updates matter more than the neighborhood label itself when it comes to setting or accepting a number.
Nearby homes for sale
No active listings inside Umatilla Kristin Terrace 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.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
This is a compact, twelve-home pocket in Umatilla with a wide build-year range and a median living area around 1,080 square feet - a small-footprint, low-turnover corner of the Lake County market rather than a subdivision with its own identity or amenity package.
County records show 3 qualified sales in Umatilla Kristin Terrace across 2024 - 2024, median $290,000 - 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.
Who Umatilla Kristin Terrace is best for.
Best for
- A buyer prioritizing a smaller, modest-footprint home over neighborhood amenities.
- An investor comfortable with a non-homestead-heavy street where rental or second-home use is already common.
- Someone willing to evaluate a single home closely on age and condition rather than leaning on neighborhood-wide comps.
Probably not for
- A buyer who wants an active resale market with multiple listings to compare in real time.
- Anyone expecting community amenities such as pools, clubhouses, or organized common areas.
- A buyer uneasy with a wide range of home ages and the condition variance that comes with it.
The market around Umatilla Kristin Terrace
Umatilla Kristin Terrace 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 Kristin Terrace specifically. Momentum Research analysis of MLS records.
The Umatilla Kristin Terrace buying strategy.
If we were buying in Umatilla Kristin Terrace 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 Umatilla Kristin Terrace.
A Small, Uneven Footprint
With homes dating from 1913 through 1984, Kristin Terrace mixes early-20th-century construction with mid-century builds. The median living area of roughly 1,080 square feet points to modest-sized homes overall, and given the age spread, condition and past updates will do more work in setting value than square footage alone.
About a third of the homes here carry a homestead exemption, meaning the majority do not - a signal that a meaningful share of the housing stock is held as rentals, second homes, or investment property rather than owner-occupied primary residences. No community amenities are identified from current MLS data, so this reads as a straightforward residential street rather than a planned or amenitized neighborhood.
The location and the amenities are priced into every listing in Umatilla Kristin Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a twelve-home neighborhood with only one active listing, there is no shortcut through a portal search - you need someone who will pull recent sales from the immediate area and weigh them against the specific home's age and condition. That is the kind of groundwork we do before a number ever gets discussed.
Umatilla Kristin Terrace 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 Umatilla Kristin Terrace 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 Umatilla Kristin Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Umatilla Kristin Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Umatilla Kristin Terrace home worth?
Get a no-obligation home value based on real comparable sales in Umatilla Kristin Terrace, 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 Umatilla Kristin Terrace?
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 2016 (3 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Umatilla Kristin Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Umatilla Kristin Terrace
Where is Umatilla Kristin Terrace?
Umatilla Kristin Terrace is a community in UMATILLA, Lake County, Florida, ZIP 32784.
Are there homes for sale in Umatilla Kristin Terrace right now?
No active listings inside Umatilla Kristin Terrace 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 Kristin Terrace have an HOA or CDD?
No HOA is on record for Umatilla Kristin Terrace 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 Kristin Terrace with Momentum Realty’s local guides.
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.
UMATILLA KRISTIN TERRACE Market Scorecard
UMATILLA KRISTIN TERRACE is currently a no active listings market. Limited supply, a median asking price of n/a.
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.