Umatilla North
Homes for Sale in Umatilla, FL
All 69 homes for sale in Umatilla, FL · median $364,900 · 65 homes for sale in 32784 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $219,375, $177 per square foot, a median 57 days on market, sellers accepting 94% of original asking (-2% versus the prior year). At the median price and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $3,650 ($2,980 with the full homestead exemption).
| Location | Umatilla, Lake County, FL · ZIP 32784 |
|---|---|
| Homes in the community | 154 (FL DOR 2025 assessment roll) |
| Years built | 1900–2024 (median 1962.0) |
| Typical living area | 1,258 sq ft (median) |
| Sale prices, last 12 months | $219,375 median across 4 closed sales · $177 per sq ft · -2.5% vs the prior 12 months |
| Days on market (closed sales) | 57 median |
| Owner-occupied (homestead) share | 68% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Umatilla North Umatilla key facts,” movewithmomentum.com/neighborhoods/umatilla-north-umatilla, data as of September 20, 2026.
Price here is driven by condition and vintage, not by a uniform product. With a median year built of 1963 and a stock that stretches all the way from 1900 to 2024, what you pay tracks how much work a given house needs. The median sits at $211,875 and about $167 per square foot on a compact median footprint near 1,270 square feet, so the spread within this market is wide and condition-led rather than location-led.
The posture right now favors patient buyers. The median home takes just over 30 days to go under contract, and prices are down 21.6% year over year against a low heat score of 17 — that is a soft, unhurried market. Sellers should price to current reality and expect negotiation; buyers have room to be selective, especially on homes that need updating.
Umatilla North right now
🟡 Off the recent peak. The trailing-12-month median ($219K) is down 2.5% from the prior 12 months ($225K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (4 and 7 sales in the two windows).
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· Updated September 27, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Umatilla NorthHomes 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.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Umatilla North market snapshot (as of September 20, 2026): the median sale price is about $219K ($177 per sq ft over the trailing 12 months of closed sales), and a median 58 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Stellar MLS closed sales (4 closings in the current window).
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.
County records show 15 qualified sales in Umatilla North across 2024–2025 (12 in 2024, 3 in 2025), median $260,700 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Umatilla North is a community of 154 homes in Umatilla, Lake County, built between 1900 and 2024 (median 1962.0), with a median living area of about 1,258 square feet. 68% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a small, older Umatilla market of roughly 159 homes where two-thirds are homesteaded, which tends to keep turnover measured and inventory tied to genuine life changes rather than churn.
Who Umatilla North is best for.
Best for
- Buyers on a modest budget comfortable around the mid-$200s who will budget separately for updates on an older house
- Long-hold owners who value a stable, low-turnover pocket of Lake County
- Renovation-minded buyers who can price a house on its bones and systems, not its finishes
Probably not for
- Buyers who need a newer-construction home with modern layouts and warranties
- Investors chasing quick appreciation or high turnover in a rising market
- Anyone who wants deep comparable data and a large pool of active listings to choose from
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($219K) IS the median in the snapshot above, and the move from 2025 ($225K) IS the -2.5% one-year change.
Windows contain 0 to 13 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Deemed reliable but not guaranteed.
23% 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 (2026-09-20).
Housing distress & ownership in Umatilla North Umatilla, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
The Umatilla North buying strategy.
If we were buying in Umatilla North 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 North.
A condition-led older market
The defining feature is age and range. A midpoint build year of 1963 and homes as old as 1900 mean systems, roofs, and layouts vary enormously from one address to the next. The occasional 2024 build sits alongside century-old structures, so appraisals and inspections matter more here than the headline median suggests. Treat every listing on its own terms.
A 67.5% homestead share signals a market held largely by long-term owners rather than short-term flippers, and the small closings window means each recent sale carries real weight in reading value. That thinness, combined with the year-over-year decline, argues for careful comparables work and realistic pricing rather than leaning on any single data point.
The location and the amenities are priced into every listing in Umatilla North. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Umatilla North buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (6.1). Basis: Recent Direction -2.5% year-over-year; Owner Commitment 68% owner-occupied; Pricing Power 94.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin, condition-driven market like this one, the value of a house lives in its details — roof age, systems, foundation, and how it truly compares to the handful of recent closings. We read those comps honestly, factor in the softening trend, and help you price or offer to where the market actually is, not where it was a year ago.
Umatilla North 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 North 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 North sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Umatilla North, 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 North home worth?
Get a no-obligation home value based on real comparable sales in Umatilla North, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Umatilla North?
How long do homes in Umatilla North take to sell?
How many homes are in Umatilla North?
What share of Umatilla North is owner-occupied?
When were the homes in Umatilla North built?
Who is the best real estate agent for Umatilla North?
How do I find a top Umatilla real estate agent who knows Umatilla North?
Can Momentum Realty connect me with an agent for Umatilla North?
Where is Umatilla North, and what county is it in?
Should you buy in Umatilla North?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32784)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (46 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?
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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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