Umatilla Homes under $400,000

2 Beds ⋅ 2 Baths ⋅ Unrecorded Sub Sec B SubDv. ⋅ 32784 Zip Code

Virtually Staged. Welcome to 20145 SE Highway 42 in Umatilla, where fresh updates and practical improvements make this 2-bedroom, 2-bath home truly move-in ready. Set on approximately 0.30 acres, this 1,351-square-foot home offers a comfortable layout with tile flooring throughout the main living areas and newer carpet in the bedrooms. The interior and exterior have both been freshly painted, creating a clean, bright feel from the moment you arrive. Major recent improvements include windows installed approximately one year ago and a septic drain field replaced approximately eight months ago, giving buyers added peace of mind. With generous living space, two full bathrooms, and a manageable homesite, this property is a great option for a primary residence, seasonal home, or investment. Enjoy the relaxed Umatilla setting while still being within convenient reach of nearby lakes, outdoor recreation, shopping, and surrounding Central Florida communities. Clean, updated, and ready for its next owner—schedule your showing today!

20145 Se Highway 42, Umatilla

$264,500

2 Beds ⋅ 2 Baths ⋅ Twin Lakes Estates SubDv. ⋅ 32784 Zip Code

Situated on a cul-de-sac with no rear neighbors, this 2 bed/2 bath plus bonus room home in Twin Lakes Estates, a 55+ Gated Community, sits on just over a quarter acre, offering scenic views of nature and exceptional outdoor living space. The light-filled interior features high vaulted ceilings and architectural cutout arches, leading to a functional kitchen defined by ample cabinetry, a breakfast bar, and a bright eat-in dining nook. Designed with a split-bedroom layout for optimal privacy, the primary suite serves as a peaceful retreat with a large walk-in closet and an ensuite bath complete with a spacious vanity, deep soaking tub, and separate glass-enclosed shower. Additional accommodations include a second bedroom featuring a built-in closet, along with a bonus room enhanced with custom built-ins, ideal for use as a home library, office, or hobby room. Outdoor living is effortless with an expansive lanai overlooking the serene green backdrop and enjoy the peekaboo lake view, complemented by an open back deck ideal for sunbathing or grilling. Additional home features include 3M window coating, a dedicated indoor laundry room with built-in cabinetry and a utility sink, as well as an attached two-car garage. Ideally situated in close proximity to the community clubhouse and pool, this home is located in Umatilla’s 55+ gated community of Twin Lakes Estates, featuring scenic lakes, walking trails, and an active calendar of social events. Schedule your personal tour today!

90 Golfview Circle, Umatilla

$279,000

2 Beds ⋅ 1 Baths ⋅ Three Lakes Sub SubDv. ⋅ 32784 Zip Code

Escape to the charm of country living with NO HOA while enjoying the convenience of being just minutes from shopping, dining, and everyday necessities! Nestled in a friendly, quiet neighborhood, this inviting 2-bedroom, 1-bath home offers a wonderful combination of comfort, privacy, and outdoor living, with plenty of room to relax, entertain, and enjoy the Florida lifestyle. Step inside to discover a warm and welcoming home featuring new kitchen appliances and a relaxing Jacuzzi tub, perfect for unwinding after a long day. A new roof installed in 2023 provides added peace of mind. One of the home's most appealing features is the screened porch, which opens to a spacious, private backyard fenced on three sides. Imagine enjoying your morning coffee while listening to the birds, hosting weekend gatherings with family and friends, or spending sunny Florida afternoons relaxing by the above-ground pool. With plenty of outdoor space, this backyard offers endless possibilities for creating your own peaceful retreat. Need room for your hobbies, tools, or recreational toys? You'll appreciate the two storage sheds, including a recently added large shed, providing plenty of space for equipment, seasonal decorations, or a workshop. The newer carport offers additional covered parking, ideal for a boat or other outdoor equipment. With NO HOA, you'll enjoy added flexibility to make this property your own! Whether you're searching for a full-time residence, a seasonal Florida getaway, or simply a place to enjoy a quieter pace of life, this charming home offers the space, privacy, and convenience you've been looking for. Come experience the possibilities and discover why this delightful property is such a wonderful place to call home!

37350 Oak Lane, Umatilla

$375,000

4 Beds ⋅ 2 Baths ⋅ Umatilla North Umatilla SubDv. ⋅ 32784 Zip Code

Excellent investment opportunity in the heart of Umatilla! This income-producing duplex property features TWO 2-bedroom, 1-bath units and offers an impressive nearly 9 percent cap rate, making it an attractive addition to any investment portfolio. With two separate units under one roof, the property provides multiple income streams and also offers flexibility for an owner-occupant looking to live in one unit while renting the other. Each unit offers a comfortable layout with plenty of character, while the property features a spacious yard and mature surroundings. Conveniently located near local dining, shopping, parks, recreation, and everyday necessities, residents can enjoy the charm of Umatilla while remaining connected to surrounding Lake County communities. Whether you’re a seasoned investor or looking to acquire your first income-producing property, 530-532 Park Ave offers strong income potential, versatility, and an excellent opportunity to invest in a growing Central Florida community.

530-532 Park Avenue, Umatilla

$268,900

3 Beds ⋅ 2 Baths ⋅ Umatilla Twin Lake Estates Sub SubDv. ⋅ 32784 Zip Code

Charming 3BR/2BA Home in the Sought-After 55+ Twin Lakes Community at Umatilla, FL. Welcome to easy Florida living in the gated, 55+ community of Twin Lakes Estates! This 1,209 SF split-plan home offers 3 bedrooms and 2 baths, with a layout designed for both comfort and privacy. The combined living and dining area flows out through sliding doors to an enclosed 13' x 11' Florida Room — the perfect spot for morning coffee or unwinding with a book. The primary suite includes an en-suite bath and a spacious 6'6" x 5'11" walk-in closet, while two additional bedrooms and a guest bath sit privately on the opposite side of the home. The kitchen offers generous cabinetry and counter space, ready for your personal updates, with appliances in working condition. Major systems offer peace of mind, with a new roof in 2022 and a newer HVAC system. Enjoy resort-style community amenities including a clubhouse and community pool, all within Umatilla's charming, small-town golf-community setting. Priced to sell at $268,900 — don't miss this opportunity!

110 Twin Lake Circle, Umatilla

$169,200

2 Beds ⋅ 2 Baths ⋅ Umatilla Trowells Add SubDv. ⋅ 32784 Zip Code

Step into a century of charm with this delightful 2-bedroom, 2-bath home built in 1915 — a rare find bursting with character. Soaring high ceilings and generous windows fill every room with natural light, creating an airy, welcoming feel throughout. The spacious layout offers a wonderful blank canvas, ready for your personal touches to bring out its full potential. Set on a large lot, there's room to garden, expand, or simply enjoy the extra space that's increasingly hard to find. This is a rare opportunity to own a piece of history and make it your own — perfect for buyers who appreciate original character paired with room to grow.

143 Bulldog Lane, Umatilla

$64,999

1 Beds ⋅ 1 Baths ⋅ Big Scrub Campsites SubDv. ⋅ 32784 Zip Code

Calling all hunters and outdoor enthusiasts! This rustic 400-square-foot cabin sits on 0.19 acres and backs directly to the south side of the Ocala National Forest, where wildlife sightings are a regular part of the experience. Designed for weekend getaways and base-camp living, the surprisingly functional interior has room for a full-size bed, three built-in bunk beds, a dining table, and a couch with a TV for relaxing after a day outdoors. It offers a full bathroom with a standing shower, commode and sink, along with a kitchen equipped with a refrigerator, full range and tankless water heater. A working wall A/C unit and heat reclaimer provide additional comfort throughout the seasons. Power, well and septic are connected. The well is approximately six years old, the sewer lines were replaced a few years ago, and the electrical panel has been updated. Situated on the back row of a rural dirt-road neighborhood, the approximately 75-by-110-foot lot includes a road right-of-way easement. The interior and exterior need repairs and updating, but the cabin already offers the creature comforts needed for a hunting retreat, rustic weekend escape or outdoor base camp. Bring your tools and imagination and fix it up before hunting season! Due to the property’s current condition, cash offers only. Hunting within the Ocala Wildlife Management Area is subject to current FWC seasons, licenses, permits, designated access points and regulations.

20683 Se 140th Street, Umatilla

$295,000

3 Beds ⋅ 2 Baths ⋅ Sandy Acres Unrec Sub SubDv. ⋅ 32784 Zip Code

Welcome to your peaceful slice of Florida! Nestled on an expansive, fully fenced 0.75-acre lot in a quiet rural setting, this beautifully maintained triple-wide mobile home offers the perfect blend of space, privacy, and country living, just minutes from everyday conveniences. This move-in-ready home features 3 bedrooms, 2 bathrooms, and over 2,190 square feet of living space, with room to spread out, entertain, and truly enjoy the property. But there's more: an additional parcel has been added to the lot, bringing the total to a full 0.75 acres — included in the price of the home. Both parcels have its own entrance in the front. And here's the bonus buyers are looking for: a spacious shed on the property offers incredible flexibility — convert it into a mother-in-law suite, guest quarters, home office, or rental unit. With R4 zoning, the possibilities go beyond a single-family residence, making this an ideal opportunity for multi-generational living or investment potential. Enjoy fully fenced grounds bursting with mature fruit trees featuring over 11 different varieties a true edible oasis — plus plenty of space for chickens, goats, gardening, and other country-living pursuits. Bring your farm animals! All this just a short drive from Lady Lake and the U.S. 441 corridor, with easy access to Sam's Club, BJ's Wholesale, grocery stores, shopping, and dining. Space, privacy, income potential, room to grow, and an orchard of your own — this exceptional property truly offers two opportunities for the price of one. Don't miss it!

16800 Se 249th Terrace, Umatilla

$354,990

4 Beds ⋅ 2 Baths ⋅ Magnolia Pointe Phase 1 SubDv. ⋅ 32784 Zip Code

Under Construction. Welcome to Magnolia Pointe, a new home community in Umatilla, Florida. Introducing the Cali floorplan, where every square foot is put to use with sophistication and comfort. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,828 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing quartz counters and luxury vinyl plank floors. As you step inside, you are greeted by an inviting foyer that leads you into the heart of the home. The open-concept layout seamlessly connects the living room, dining area, and kitchen, creating a perfect space for entertaining family and friends. The spacious living room features abundant natural light, thanks to large windows that provide picturesque views of the surrounding landscape. With ample room for seating, it's an ideal spot for relaxation and gatherings. The kitchen is a true highlight, including quartz countertops, sleek stainless-steel appliances, a walk-in pantry and an oversized island with a breakfast bar. Whether you're preparing a casual meal or hosting a formal dinner, this kitchen is well-equipped to meet your culinary needs. The four generously sized bedrooms offer flexibility for various lifestyles. The primary suite located in the rear of the home is a tranquil retreat, featuring a private ensuite bathroom with dual sinks, a separate shower, and a walk-in closet. The remaining three bedrooms feature plush carpet for comfort and share one well-appointed bathroom, making morning routines a breeze. Laundry won't be a chore with its dedicated space convenient to all bedrooms. Like all homes in Magnolia Pointe, the Cali includes smart home technology, which allows you to control your home anytime with your smart device while near or away. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

140 Flag Lilly Lane, Umatilla

$369,000

2 Beds ⋅ 2 Baths ⋅ Twin Lakes Estates SubDv. ⋅ 32784 Zip Code

Welcome to 81 Fairway Circle, where peaceful waterfront living, extensive updates, and an active 55+ community lifestyle come together in a warm and inviting Florida setting. Step inside to a bright, comfortable interior featuring luxury vinyl plank flooring throughout the living room, dining area, and hall, newer carpet in the bedrooms and office/den, natural red-stone flooring in the kitchen, and waterproof vinyl plank flooring in two baths and the walk-in closet. Fresh interior paint adds to the home's clean, move-in-ready feel. The kitchen is well equipped with updated appliances, including a Frigidaire electric range with Air Fry, LG stainless-steel refrigerator, Whirlpool dishwasher, and Whirlpool microwave, making it equally suited for everyday meals or entertaining family and friends. One of the home's most captivating features is its seamless connection to the water. Open the living room sliders and transform the space into a wonderful indoor-outdoor living area with a full view of the water. Imagine peaceful early mornings with a cup of coffee and the lake as your backdrop, or crisp fall afternoons with the sliders open, the Florida breeze flowing through, and friends gathered together. The fireplace conveys with the home, adding warmth and character to this already inviting space. Outdoor living continues with a rebuilt deck featuring newer boards, posts, and railings, along with a brick-paver patio beside the deck—perfect for relaxing, dining outdoors, or simply taking in the view. Landscaping was thoughtfully opened to showcase the water, while the irrigation system draws water directly from the lake, providing an added convenience for maintaining the yard. Significant improvements offer additional peace of mind, including a new HVAC system (2025), new hot water heater (2025), architectural shingle roof (2024) with premium Titan XT shingles, seamless gutter installation, exterior repairs, and sprinkler-system updates. Beyond the home, residents enjoy the benefits of a welcoming 55+ community featuring a community swimming pool, clubhouse, and sidewalk-lined walking trails—perfect for staying active, meeting neighbors, or enjoying a leisurely morning or evening stroll. Whether you're watching the sunrise over the water, opening the sliders to enjoy the Florida breeze, gathering around the fireplace, relaxing on the deck, or taking advantage of the community amenities, 81 Fairway Circle offers a lifestyle designed to be enjoyed. Come discover a wonderful combination of waterfront views, comfortable living, thoughtful updates, and the easygoing Florida lifestyle you've been looking for.

81 Fairway Circle, Umatilla

$239,900

3 Beds ⋅ 2 Baths ⋅ Silver Lake Park SubDv. ⋅ 32784 Zip Code

Unlock incredible potential at 37320 Beach Dr in Umatilla, FL! Nestled on a spacious 0.7-acre lot with no HOA restrictions, this 3-bedroom, 2-bathroom home features over 1,250 square feet of living space, an attached 2-car garage, and expansive covered outdoor areas. Inside, you will find low-maintenance tile flooring, a functional kitchen layout with stainless steel appliances, and tile-walled showers. The expansive yard offers ultimate freedom for storing boats, RVs, or work vehicles, while the vast garage and screened patio space present outstanding versatility for workshop setups, outdoor dining, or customized additions. Whether you are an investor looking for your next valuable renovation project or a buyer seeking room to spread out and create your dream retreat, this property is packed with opportunity. Schedule your private showing today to explore all the possibilities!

37320 Beach Dr, Umatilla

$295,000

3 Beds ⋅ 3 Baths ⋅ N/A SubDv. ⋅ 32784 Zip Code

Virtually Staged. Welcome home to peaceful Umatilla living with room to spread out! Situated on just over half an acre in an established neighborhood with NO HOA, this 3-bedroom, 2.5-bath home offers the space and flexibility you’ve been searching for—both inside and out. Step through the front door into the foyer and immediately discover the impressive 18' x 29' great room, featuring wood floors and plenty of space for relaxing, entertaining, and gathering with family and friends. Just off the great room, the indoor laundry room provides additional space for storage and everyday organization. At the front of the home, the kitchen features a casual eating area and convenient closet pantry. Down the hallway, you’ll find a full guest bathroom with a tub/shower combination along with two comfortable secondary bedrooms. Tucked toward the back of the home for added privacy, the primary bedroom includes its own full bathroom with a tub/shower combination. One of the home's best features is waiting outside! From the great room, step into the enclosed lanai overlooking the oversized backyard. With just over half an acre, there’s plenty of room to create the outdoor space you’ve been dreaming about—plant fruit trees, start a garden, create a play area, or simply enjoy having extra room without the restrictions of an HOA. Located just outside Umatilla, you can enjoy the relaxed feel of small-town living while remaining close to local shopping, dining, schools, and everyday conveniences. The home is approximately 38 miles from Orlando and 49 miles from Daytona Beach, putting Central Florida attractions and the coast within reach. If you’ve been searching for a home with a large lot, NO HOA, spacious living area, enclosed lanai, and plenty of possibilities, this one deserves a spot on your must-see list. Schedule your private showing and come see the potential for yourself! All information is deemed reliable but is not guaranteed and should be independently verified by buyers. Room measurements are approximate and should be verified by buyers.

16529 Orange Avenue, Umatilla

Umatilla Homes under $400,000

Newest Umatilla Homes under $400,000