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260 S CENTRAL AVENUE, UMATILLA, FL 32784

UMATILLA MITCHENORS ADD · Lake County

Key Facts

2Beds
2Baths
1,980Sq Ft
1998Year Built
0.58Lot (acres)
2Stories

Description

Lakefront Oasis with Income Potential – 260& 264 S. Central Ave., Umatilla, FL. The main home is 1,258 sq ft and the duplex is 2,160 sq ft with both units currently occupied. Discover this exceptional lakefront home in the heart of “Nature’s Hometown” Umatilla, offering peaceful waterfront living with modern comforts and outstanding energy efficiency. Situated on a spacious lot that includes a separate duplex at 260 S. Central Ave. (Units A & B), this property provides versatile options — the duplex can be parceled off as its own unit for added value or rental income. Step inside to find a thoughtfully designed, energy-efficient home featuring: Quartz countertops in the kitchen with all Whirlpool appliances A large pantry housing a Samsung washer and dryer Tongue-and-groove cypress ceilings in the living and dining areas High-grade tile flooring throughout 6" spray foam insulation in the ceiling and around windows for superior efficiency The open living space flows beautifully to a wall of high-quality double-pane glass with two 8-foot sliders that open onto a large screened lanai. Enjoy breathtaking lake views, a private dock, and a relaxing hot tub. Both bedrooms are ensuite with quality glass shower doors (no tubs). The master suite boasts an extra-large walk-in closet and a luxurious dual-head shower. The second bedroom includes a built-in office and a Murphy bed for flexible use. Premium Features & Upgrades: Whole-house Generac home generator (regularly serviced under contract) Trane energy-efficient HVAC system under service contract with St. Louis Air Whole-house tankless gas water heater (Navien) All-gas systems: heat, stove, dryer, and water heater Yard irrigation sourced directly from the lake Digital entry lock Extra-large double carport Outdoor kitchen on the covered porch (with two lakeside entries) Lockable exterior storage unit in front (houses electric panel and freezer) Utilities & Infrastructure: All underground utilities Sewer lift station that pumps directly to the street sewer This main home is an energy-efficient masterpiece with thoughtful details throughout. Titled in a Land Trust (to be provided). Whether you're looking for a primary residence, a vacation getaway, or an investment with rental potential from the duplex, this lakefront property delivers unmatched lifestyle and value in a quiet, scenic setting near the Ocala National Forest. Don't miss this rare opportunity — schedule your private showing today!

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Year Built

1998

Stories

2

Living Area

1,980 sq ft

Lot Size

0.58 acres

Lot Dimensions

73x405

Ownership

Fee Simple

Zoning

RP

Days on Market

1

MLS® Listing#

G5111095

Property Features

Interior

Eat-in KitchenHigh CeilingsOpen FloorplanStone CountersVaulted Ceiling(s)Walk-In Closet(s)

Exterior

LightingStorage

Appliances

DishwasherRangeRefrigeratorTankless Water Heater

Cooling

Central Air

Heating

CentralElectric

Flooring

Tile

Parking

Covered

Laundry

Inside

Construction

BlockCement SidingFrame

Foundation

Slab

Roof

Shingle

Utilities

Cable AvailableElectricity ConnectedSewer ConnectedWater Connected

Sewer

Public Sewer

Water Source

Public

Rooms

  • 44x12First
  • Bedroom 211x10First
  • Dining Room10x9First
  • Kitchen12x12First
  • Living Room14x19First
  • Master Bathroom12x8First
  • Master Bedroom14x12First
  • Utility Room7x7First

Schools

Elementary:
Umatilla Elem
Middle:
Umatilla Middle
High:
Umatilla High

Financial Details

HOA

None

Annual Taxes

$6,857

Tax year 2025

Parcel Number

13-18-26-0500-00A-00501

Directions

From Eustis head North, make a U turn the property will be on your right once you make a U Turn on the West side of the road.

Affordability Calculator

$174,000

Estimated monthly payment

$4,631/mo

Principal $696,000 · Est. interest $970,982 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in UMATILLA, FL

$382,051
Median Listing Price
97
Median Days on Market
1,700
Median Sq Ft
$223
Median Price / Sq Ft
87
Active Listings
  • This home’s price is 128% above the area median.
  • Its price per sq ft is 97% above the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in UMATILLA, FL.

Location

Map showing the location of 260 S CENTRAL AVENUE, UMATILLA, FL 32784

Points of Interest in UMATILLA, FL

Showing the UMATILLA area map.

Nearby Schools

  • Sonshine School

    School · 0.5 mi away

  • Alee Academy

    School · 0.6 mi away

  • Umatilla High School

    Secondary · 0.8 mi away

  • Umatilla Middle School

    Secondary · 0.9 mi away

  • Umatilla Elementary School

    Elementary · 1.1 mi away

  • Living Word Academy

    School · 2.7 mi away

  • Alee Academy

    School · 3.2 mi away

  • Altoona School

    Elementary · 3.7 mi away

  • Eustis Middle School

    Secondary · 4.6 mi away

  • Amazing Kids Academy

    School · 4.8 mi away

  • Eustis Elementary School

    Elementary · 4.9 mi away

  • Eustis High School

    Secondary · 5.1 mi away

  • A Kid's Corner Learning Center

    School · 5.5 mi away

  • Eustis Heights Elementary School

    Elementary · 5.9 mi away

  • Lake County Virtual School

    School · 6.0 mi away

  • Lake Academy Eustis

    School · 6.1 mi away

  • Faith Lutheran School

    Elementary · 6.5 mi away

  • Gateway Christian School

    School · 6.9 mi away

  • Liberty Christian Preparatory School

    School · 7.3 mi away

  • Triangle Elementary School

    Elementary · 7.5 mi away

Commute Calculator

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Moving Cost Estimate

EXIT Agents in UMATILLA

Listing Courtesy: RLW REALTY - 352-771-2560

Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright ©2026 MLS GRID. All Rights Reserved.

Last Updated: 2026-05-15

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by Lake and Sumter. MLS® Listing#G5111095. © 2026EXIT Realty®. All rights reserved.