Waterfront Homes for Sale in Umatilla, FL
This page tracks every Umatilla listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
18 waterfront homes are for sale or pending in Umatilla, FL today across 9 communities. The median asking price is $624,499, from $249,000 to $7,370,000. Listings in Umatilla without that feature have a median of $324,224. Most listings right now: Lake Murphy Estates (2), Umatilla Mitchenors Add (2), Shoreline Ranch (1). Updated October 17, 2026 from the MLS.
Live waterfront homes in Umatilla: the listings
15 active listings carry the flag today (18% of Umatilla inventory), median asking $599,000, $338/sq ft, median 70 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Umatilla
The most expensive waterfront homes in Umatilla
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 17269 SE 260Th Avenue Road | $7,370,000 | 11,322 | — |
| 13800 County Road 450 | $3,750,000 | 2,997 | — |
| 20280 Shoreline Ranch Lane | $1,200,000 | 3,010 | Shoreline Ranch |
| 39251 County Road 439 | $1,050,000 | 2,241 | Lake Murphy Estates |
| 41520 Charm Lake Drive | $950,000 | 4,936 | Dream Lake Poultry Ranches |
| 19854 Wiygul Road | $900,000 | 2,666 | — |
| 260 S Central Avenue | $870,000 | 1,258 | Umatilla Mitchenors |
| 16050 SE 275Th Avenue | $599,000 | 1,000 | — |
| 475 Guerrant Street | $549,900 | 2,378 | — |
| 264 S Central Avenue | $480,000 | 1,258 | Umatilla Mitchenors |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 2 | 13% |
| $300K–$500K | 4 | 27% |
| $500K–$750K | 2 | 13% |
| $750K–$1M | 3 | 20% |
| $1M+ | 4 | 27% |
Umatilla waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Lake Murphy Estates | 2 | 1 | $1,219,500 | $1,050,000 |
| Umatilla Mitchenors Add | 2 | 0 | $675,000 | $480,000 |
| Shoreline Ranch | 1 | 1 | $1,200,000 | $1,200,000 |
| Dream Lake Poultry Ranches | 1 | 0 | $950,000 | $950,000 |
| Unincorporated | 1 | 0 | $599,000 | $599,000 |
| Silver Beach Heights | 1 | 0 | $399,900 | $399,900 |
| Umatilla Wingfield Sub | 1 | 0 | $364,900 | $364,900 |
| Umatilla Lake Mary Estates Sub | 1 | 0 | $274,000 | $274,000 |
| Three Lakes Sub | 1 | 0 | $249,000 | $249,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Umatilla?
What do waterfront homes cost in Umatilla?
Which Umatilla community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Umatilla
- All homes for sale in Umatilla
- Umatilla pool homes
- Umatilla gated community homes
- Umatilla 4-bedroom homes
- Umatilla homes under $300K
- Umatilla homes $300K–$500K
- Waterfront Homes in every city
Waterfront Homes in nearby Lake County cities
- Leesburg waterfront homes (58 for sale)
- Tavares waterfront homes (55 for sale)
- Clermont waterfront homes (54 for sale)
- Eustis waterfront homes (39 for sale)
- Mount Dora waterfront homes (28 for sale)
- Astor waterfront homes (21 for sale)
- Groveland waterfront homes (20 for sale)
- Montverde waterfront homes (14 for sale)
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Umatilla, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.