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81 Twin Lake Cir, Umatilla
$349,900
3 Beds ⋅ 2 Baths ⋅ Twin Lakes Estates SubDv. ⋅ 32784 Zip Code
Virtually Staged. Beautifully maintained and filled with pride of ownership, this 3-bedroom, 2-bath home is located in the gated 55+ community of Twin Lakes Estates and sits on over half an acre with mature landscaping, inviting outdoor spaces, and a peaceful setting. From the curb appeal to the thoughtfully cared-for interior, this property offers comfort, space, and a well-kept atmosphere in an established gated community. The spacious floor plan features a formal living room, formal dining room, breakfast area, inside laundry room, and a bright Florida room overlooking the backyard. Crown moulding accents the main living areas, adding a polished touch, while wood flooring in the primary bedroom and second bedroom brings warmth and character to the home. The primary suite offers a large walk-in closet and ensuite bathroom, creating a comfortable private retreat. Outdoor living is a highlight of this property, with a Florida room, 16x9 deck, gazebo, and mature landscaping that create multiple spaces to relax, entertain, garden, or simply enjoy the Florida lifestyle. The oversized lot offers room to enjoy the outdoors while still having the benefits of community amenities. Twin Lakes Estates offers gated entry, a community clubhouse with kitchenette, and a swimming pool, adding convenience and value for residents. Well maintained, nicely situated, and offering a flexible floor plan with desirable indoor and outdoor living spaces, this Twin Lakes Estates home is ready for its next owner.

81 Twin Lake Cir, Umatilla

60 Owens Street, Umatilla
$377,000
3 Beds ⋅ 2 Baths ⋅ Umatilla North Umatilla SubDv. ⋅ 32784 Zip Code
Custom-built in 2018 and offered for the first time, this 3-bedroom, 2-bathroom CBS/stucco residence delivers quality construction, thoughtful design, and exceptional outdoor living on a private, fully fenced third-acre lot in North Umatilla. Framed by mature oaks and a curved concrete drive, the front of this home makes an immediate impression. A private gated entry leads to the backyard, where a custom timber-frame covered pavilion awaits, featuring recessed lighting, dual ceiling fans, and a floor-to-ceiling stone outdoor fireplace. Purpose-built for entertaining, this outdoor living space is a defining feature rarely found at this price point. Inside, vaulted ceilings and an open floor plan connect the great room, anchored by a custom built-in fireplace surround, to the dining area and a well-appointed kitchen featuring custom dark wood cabinetry, dramatic granite countertops, a built-in wine rack, walk-in pantry, and stainless-steel appliances. Dishwasher plumbing is already in place behind the cabinetry, should the new owners wish to add one in the future, the infrastructure is there. The master suite offers a tray ceiling, dual walk-in closets with custom shelving systems, and a spa-inspired en suite bathroom with dual granite vanities, a dedicated vanity station, private water closet, and a floor-to-ceiling tiled walk-in shower with mosaic accent detail. Additional features include tile flooring throughout, Samsung front-load washer and dryer, 2-car garage, no HOA, and no CDD. Owner-built. Never previously listed.

60 Owens Street, Umatilla

17269 Se 260th Avenue Road, Umatilla
$7,370,000
8 Beds ⋅ 9 Baths ⋅ 32784 Zip Code
A rare Central Florida legacy estate, privately set on approximately 237 acres along beautiful Ella Lake. This extraordinary Umatilla property offers a remarkable combination of privacy, scale, waterfront beauty, and luxury improvements rarely found in today’s market. The main residence features over 11,000 square feet of living area, designed for grand entertaining and comfortable everyday living, with expansive indoor and outdoor spaces, a resort-style pool and spa, and a large, covered lanai overlooking the natural surroundings. Beautifully positioned on Ella Lake, this private Umatilla estate offers a rare blend of lakefront living, acreage, privacy, and natural Central Florida beauty. Enjoy peaceful water views, wildlife, fishing, kayaking, paddleboarding, and the quiet outdoor lifestyle that makes this property so special. With its expansive estate setting and convenient access to Umatilla, Eustis, Mount Dora, The Villages, and surrounding Central Florida destinations, this is a rare opportunity to own a true private lakefront retreat. In addition to the main residence, the property includes a spacious guest house of approximately 1,500 square feet situated above a six-car garage, providing ideal accommodations for guests, extended family, staff, or private retreat space. The acreage offers a stunning mix of open land, wooded areas, wetlands, and lakefront setting, creating exceptional opportunities for recreation, privacy, wildlife viewing, equestrian use, family compound living, or a one-of-a-kind luxury retreat. Located in a quiet and highly private setting, yet within reach of Umatilla, Eustis, Mount Dora, The Villages, and Ocala, this estate is a truly unique offering for the buyer seeking space, seclusion, waterfront character, and long-term legacy value. Properties of this size and quality are increasingly difficult to find in Central Florida.

17269 Se 260th Avenue Road, Umatilla

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32784 Umatilla FL Homes for Sale

32784 At a Glance

The 32784 zip code covers Umatilla in North Lake County, Florida, at the gateway to the Ocala National Forest.
Neighborhoods: in-town Umatilla, Lake Pearl & Trout Lake areas, and surrounding acreage toward the forest.
Schools (zoning is address-specific, so confirm via Lake County Schools locator): area schools include Umatilla High; Umatilla Middle; and Umatilla Elementary.
Recreation: Ocala National Forest, Lake Pearl, Trout Lake Nature Center, and the Harris Chain of Lakes nearby.
Access: SR 19, SR 450, and CR 42.

Is 32784 a buyer's or seller's market?

Updated November 4, 2026: active listings as of November 4; sales through September 2026. Stellar MLS.

Zip code 32784 in Umatilla is close to a balanced market right now: neither buyers nor sellers hold a clear edge. There are 4 months of supply here against 4.3 across the four counties we track, and the typical seller is closing at 95.1 percent of their original asking price against 96 percent regionally. Supply favors the seller and the price figure favors the buyer, so the two cancel out.

Months of inventory, also called months of supply, is how long the homes listed for sale would last at the past year's sales pace if nothing new came on the market: 71 active listings in 32784 divided by 17.83 closed sales a month comes to 4 months.

The asking price figure is the median close price against the original list price across 214 sales in the last twelve months, so a price cut counts as part of what the seller gave up.

For Lake County as a whole, see Is Lake County a buyer's or seller's market?

32784 Zip Code Homes For Sale By Price Range

Browse Umatilla Properties by Price Category
Property Type Price Range Bedrooms Area
32784 Starter Homes Under $280,000 2-3 32784 Umatilla, FL
32784 Family Homes $280,000-$370,000 3-4 32784 Umatilla, FL
32784 Newer & Larger Homes $370,000-$450,000 3-4 32784 Umatilla, FL
32784 Acreage & Lakefront Over $450,000 3-5+ 32784 Umatilla, FL

32784 Market Data

Current market conditions for Umatilla's 32784 zip code, calculated from Lake County MLS data. Sale price and days on market cover homes that closed in July 2026; active listings is a current count.

Active Listings
71
Median Sale Price
$341,600
Homes Sold (July)
15
Average Days on Market
98

Umatilla 32784 Community Highlights

Nature's Hometown

Umatilla sits at the gateway to the Ocala National Forest, ideal for outdoor recreation.

Affordable Value

In-town pricing popular with value buyers.

Lakes & Acreage

Lake Pearl, Trout Lake, and surrounding acreage parcels offer space and water access.

Small-Town Living

A genuine small-town feel with local shops, events, and a tight community.

Schools (address-specific)

Area schools include Umatilla High, Middle, and Elementary; confirm zoning via the Lake County Schools locator.

Harris Chain Access

Quick access to Eustis and the Harris Chain of Lakes via SR 19.

Frequently Asked Questions About 32784 Umatilla

What is the average home price in 32784?

The median home price in 32784 Umatilla ranges from $300,000-$350,000, with new construction homes ranging from $320,000-$450,000.

What schools serve the 32784 zip code?

Because 32784 spans Lake County Schools attendance zones, the assigned schools depend on the exact address. Use the Lake County Schools locator to confirm. Area schools include Umatilla High; Umatilla Middle; and Umatilla Elementary.

Is 32784 affordable?

Umatilla 32784 is popular with value buyers and those wanting acreage.

Is 32784 good for outdoor recreation?

Yes. Umatilla is the gateway to the Ocala National Forest, with lakes like Lake Pearl and Trout Lake Nature Center nearby.

Is there acreage for sale in 32784?

Yes. Umatilla 32784 has acreage and larger-lot parcels toward the Ocala National Forest, alongside in-town homes.

How far is 32784 from Orlando?

Umatilla 32784 is approximately 55-65 minutes from downtown Orlando via SR 19 and SR 429.

Explore Nearby Zip Codes

32726 Eustis

Historic Eustis on Lake Eustis, just south

32735 Grand Island

Quiet lakefront community south of Umatilla

32757 Mount Dora

Historic festival town on Lake Dora

32778 Tavares

Lake County seat & Chain of Lakes

32102 Astor

Rural St. Johns River community in far north Lake County

Umatilla Homes for Sale

Every active listing in Umatilla, not just this zip code

View All Lake County Zip Codes

Complete guide to all Lake County areas

Your 32784 Umatilla Real Estate Experts

Brenden Rendo and his team specialize in 32784 Umatilla. We track the market every week with Stellar MLS data and show homes from in-town neighborhoods to acreage and lakefront parcels. Buyers get help with rural and acreage considerations, value pricing, and school zoning. Sellers get pricing built on a real comparative market analysis, not a Zillow Zestimate.

Prefer to talk? Call (407) 616-9019, contact our team, or register for free market reports.

 

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