UMATILLA KRISTIN TERRACE
Homes for Sale in UMATILLA, FL
True comps, carrying-cost math, and listings before the portals.
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.
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.
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 UMATILLA KRISTIN TERRACE. Swipe to explore the community.
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UMATILLA KRISTIN TERRACEWho 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 a small community — 1 recorded sale on file, most recently in 2023 — too few for its own price trend. Here is the market around it.
In ZIP 32784, 95 homes are on the market and 21% are under contract — a steady corner of UMATILLA.
Across Lake County, 3,224 homes are active and 1,105 pending (26% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not UMATILLA KRISTIN TERRACE specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in UMATILLA KRISTIN TERRACE, 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 August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in UMATILLA KRISTIN TERRACE
Live MLS inventory for UMATILLA KRISTIN TERRACE. 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 UMATILLA KRISTIN TERRACE listings as of 2026-08-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2021. Tap any home to ask about it.
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 UMATILLA KRISTIN TERRACE 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 UMATILLA KRISTIN TERRACE address.
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 homes for sale in UMATILLA KRISTIN TERRACE on the map →
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 thin data market. Limited supply, a median asking price of $189,900, and homes go under contract in about 184 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.
Frequently Asked Questions
How many homes are in UMATILLA KRISTIN TERRACE?
What share of UMATILLA KRISTIN TERRACE is owner-occupied?
When were the homes in UMATILLA KRISTIN TERRACE built?
Who is the best real estate agent for UMATILLA KRISTIN TERRACE?
How do I find a top UMATILLA real estate agent who knows UMATILLA KRISTIN TERRACE?
Can Momentum Realty connect me with an agent for UMATILLA KRISTIN TERRACE?
Should you buy in UMATILLA KRISTIN TERRACE?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near UMATILLA KRISTIN TERRACE with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2016 (2 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 your area comps.
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See how UMATILLA KRISTIN TERRACE fits the bigger picture — live prices, inventory, and Momentum Scores:
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.