UMATILLA SMITHS A J
Homes for Sale in UMATILLA, FL
True comps, carrying-cost math, and listings before the portals.
With a single active listing in Umatilla Smiths A J Umatilla as of this snapshot, there is no meaningful pricing pattern to report. One listing tells you that home is available; it does not tell you what the community trades for or how quickly homes move here.
For a buyer, that means any offer strategy has to be built from a direct comparison to that specific home and to comparable listings elsewhere in Umatilla, not from a community-wide trend line. For a seller, it means you are effectively setting the market with whatever you list at, since there is no recent competing inventory in this name to react to.
The 60-Second Overview
Umatilla Smiths A J Umatilla is a small Lake County community currently represented by a single active MLS listing, with no community amenities identified in current listing data.
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 SMITHS A J. Swipe to explore the community.
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UMATILLA SMITHS A JWho UMATILLA SMITHS A J is best for.
Best for
- A buyer already focused on the single active listing here and ready to evaluate it on its own merits
- A buyer comfortable making a decision without community-wide comparables to reference
- A buyer who plans to verify amenities and HOA terms directly rather than rely on listing summaries
Probably not for
- A buyer wanting to compare multiple homes within this specific community before deciding
- A buyer relying on recent sales trends or typical days-on-market figures for this name
- A buyer assuming community amenities exist without independent verification
The market around UMATILLA SMITHS A J
UMATILLA SMITHS A J is a small community — 1 recorded sale on file, most recently in 2018 — 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 SMITHS A J specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in UMATILLA SMITHS A J, 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.
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 SMITHS A J Market Scorecard
UMATILLA SMITHS A J is currently a thin data market. Limited supply, a median asking price of $1,800,000, and homes go under contract in about 6 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.
Homes For Sale Right Now in UMATILLA SMITHS A J
Live MLS inventory for UMATILLA SMITHS A J. 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 SMITHS A J listings as of 2026-08-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2021. Tap any home to ask about it.
The UMATILLA SMITHS A J buying strategy.
If we were buying in UMATILLA SMITHS A J 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 SMITHS A J.
A one-listing market
Stellar MLS shows one active listing for this community as of the snapshot date. That is not enough inventory to describe typical pricing, typical days on market, or typical home condition here - any of those claims would be a guess dressed up as data.
The listing data also does not surface any recorded community amenities. That could mean the community has none, or it could mean current listings simply have not described them. Either way, do not assume amenities exist based on this snapshot alone - verify directly against the specific listing and any HOA documentation before treating amenity access as a given.
The location and the amenities are priced into every listing in UMATILLA SMITHS A J. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community shows this little active inventory, the value of local representation shifts from reading market trends to verifying the specifics of the one home that matters: its condition, its actual comparables in Umatilla and Lake County, and whatever HOA or amenity documentation exists outside the MLS listing itself.
UMATILLA SMITHS A J 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 SMITHS A J 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 SMITHS A J sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in UMATILLA SMITHS A J, 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 SMITHS A J home worth?
Get a no-obligation home value based on real comparable sales in UMATILLA SMITHS A J, 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 SMITHS A J on the map →
Should you buy in UMATILLA SMITHS A J?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near UMATILLA SMITHS A J with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2021 (1 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 SMITHS A J 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.