Whitcombs
Homes for Sale in Umatilla, FL
All 70 homes for sale in Umatilla, FL · median $364,900 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
Whitcombs Sub is a community in Umatilla, Lake County, FL. 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 is a small residential pocket in Umatilla, and the current MLS picture is thin enough that we are not going to pretend otherwise: there is no meaningful trend data or amenity list to draw from right now. That is itself useful information for a buyer or seller — it tells you this is a quiet, low-turnover corner of Lake County rather than an actively marketed subdivision with a built-in identity.
With no amenities identified in current listings and no price pattern to point to, valuation here comes down to the individual home and lot rather than any community-wide premium. Anyone pricing a purchase or a listing in Whitcombs should expect a case-by-case comparison against nearby Umatilla inventory rather than an internal comp set.
Nearby homes for sale
No active listings inside 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
Whitcombs sits in Umatilla, Lake County, as a modest subdivision with no distinguishing community amenities currently reflected in MLS data — a straightforward, no-frills residential setting rather than a planned or amenitized community.
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 Whitcombs is best for.
Best for
- A buyer prioritizing a specific home or lot in Umatilla over a subdivision amenity package
- A buyer comfortable relying on broader Lake County/Umatilla comps rather than subdivision-specific trend data
- A seller with a straightforward property whose marketing will rest on the listing itself
Probably not for
- A buyer who wants a community with defined, listed amenities
- A buyer who wants subdivision-level pricing history to guide an offer
- Anyone expecting an active, high-volume resale market inside this specific subdivision
The market around Whitcombs
Whitcombs is a small community — 2 recorded sales on file, most recently in 2016 — too few for its own price trend. Here is the market around it.
Across Lake County, 3,176 homes are active and 1,107 pending (26% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Whitcombs specifically. Momentum Research analysis of MLS records.
The Whitcombs buying strategy.
If we were buying in 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 Whitcombs.
A subdivision with no built-in narrative
There is no getting around the limited data here. Whitcombs does not currently show a defined amenity package, and there is not enough active listing volume in the feed to establish a reliable price or pace-of-market pattern specific to this subdivision. That puts the analytical weight on the individual property and its immediate surroundings in Umatilla rather than on any subdivision-level trend.
For a buyer, that means doing the homework at the house level — condition, lot, and recent nearby sales in Umatilla generally — rather than relying on a Whitcombs track record. For a seller, it means the listing itself, not the subdivision name, will have to carry most of the marketing weight.
The location and the amenities are priced into every listing in Whitcombs. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision this thinly documented in current MLS data, the value we add is in pulling the right comparison set from surrounding Umatilla activity and being direct about what we do not know yet, rather than filling gaps with generic claims.
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 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 Whitcombs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in 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 Whitcombs home worth?
Get a no-obligation home value based on real comparable sales in 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 homes for sale in Whitcombs on the map →
Should you buy in 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 2026-07-12 |
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.
Looking to buy here? Search homes for sale →
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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.
See how Whitcombs fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Whitcombs
Where is Whitcombs?
Whitcombs is a community in Umatilla, Lake County, Florida.
Are there homes for sale in Whitcombs right now?
No active listings inside 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 Whitcombs have an HOA or CDD?
No HOA is on record for 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.
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