Umatilla Whitcombs
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 2 closed sales in Umatilla Whitcombs Sub in Umatilla, FL since 2024, the most recent in July 2025. 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).
Whitcombs Sub in Umatilla is a small subdivision, and the current MLS picture shows no listed community amenities tied to it — no clubhouse, pool, or recreational facility referenced in active listings. That absence is itself useful data: pricing here is being driven by the individual homes and lots, not by an amenity package or HOA-maintained common area.
For a buyer, that means due diligence centers on the house and the parcel, not on shared facilities or association overhead. For a seller, it means the pitch has to rest on the property's own condition, lot, and location within Umatilla rather than on a lifestyle amenity story.
Nearby homes for sale
No active listings inside Umatilla WhitcombsHomes 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 Whitcombs sits within Umatilla, Lake County, as a subdivision without amenities identified in current MLS records, putting the focus squarely on the individual homes and lots rather than a shared community package.
Stellar MLS sales records identify 5 homes in Umatilla Whitcombs that have changed hands since 2018, built between 1964 and 2009 (median 1999), with a median living area of about 2,324 sq ft and a typical 4-bedroom, 3-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.
County records show 7 qualified sales in Umatilla Whitcombs across 2024–2025 (2 in 2024, 5 in 2025), median $320,000 — 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 Whitcombs is best for.
Best for
- A buyer who wants a straightforward, amenity-free subdivision in Umatilla and prefers evaluating a home purely on its own condition and lot.
- A buyer who wants to avoid HOA amenity dues and the maintenance obligations that come with shared facilities.
- A buyer focused on Lake County location fundamentals rather than a lifestyle amenity package.
Probably not for
- A buyer who wants a pool, clubhouse, or other maintained community amenity as part of the purchase.
- A buyer who wants extensive current market statistics on the subdivision before making a decision, since amenity and broader pricing data are not established here.
- A buyer whose search criteria depend on an active homeowners association managing shared spaces.
The market around Umatilla Whitcombs
Umatilla Whitcombs 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 Whitcombs specifically. Momentum Research analysis of MLS records.
The Umatilla Whitcombs buying strategy.
If we were buying in Umatilla Whitcombs 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 Whitcombs.
A subdivision defined by the home, not the HOA
When a subdivision's MLS data shows no community amenities, it typically signals either an older, smaller platted neighborhood or one where any association is minimal to nonexistent. Whitcombs Sub fits that pattern. There is no clubhouse, pool, or recreational amenity tied to listings here, which simplifies the buying decision in one respect: there is no shared-facility condition or reserve-fund question to research.
That also means comparisons between homes in this subdivision lean heavily on the property itself — square footage, lot size, updates, and condition — rather than on what the neighborhood offers collectively. Buyers evaluating Whitcombs Sub should treat it as they would any small, amenity-light subdivision in Umatilla: assess the house on its own terms.
The location and the amenities are priced into every listing in Umatilla Whitcombs. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision with no amenity package to lean on, the negotiation and valuation work has to be done at the property level. Momentum pulls current Stellar MLS data for Whitcombs Sub specifically, so pricing conversations are grounded in what is actually listed and selling in this subdivision rather than broader Umatilla or Lake County averages.
Umatilla Whitcombs 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 Whitcombs 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 Whitcombs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Umatilla Whitcombs, 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 Whitcombs home worth?
Get a no-obligation home value based on real comparable sales in Umatilla Whitcombs, 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 Whitcombs?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2024 (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 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 Whitcombs fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Umatilla Whitcombs
Where is Umatilla Whitcombs?
Umatilla Whitcombs is a community in Umatilla, Lake County, Florida, ZIP 32784.
Are there homes for sale in Umatilla Whitcombs right now?
No active listings inside Umatilla Whitcombs 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 Whitcombs have an HOA or CDD?
No HOA is on record for Umatilla Whitcombs 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 Whitcombs with Momentum Realty’s local guides.