Single Family Residence at 264 S CENTRAL AVE, UMATILLA
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42 photos

$480,000

264 S CENTRAL AVE
UMATILLA, FL 32784
Listed by Logan Wilson · RLW REALTY
Bedrooms
2
Bathrooms
2
Living area
1,258 sqft
Year built
2020

About this home

Lakefront Home – 264 S. Central Ave., Umatilla, FL Discover this exceptional lakefront single-family home in the heart of Umatilla, offering peaceful waterfront living with modern comforts and outstanding energy efficiency. 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 Custom motorized blinds Outdoor kitchen setup with gas stub out 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 home is an energy-efficient masterpiece with thoughtful details throughout. Perfect as a primary residence or a serene waterfront getaway, this lakefront property offers 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! This sale is subject to a lot split that the City of Umatilla is in favor of, therefore the lot size and square footage of the lot are approximate. The adjacent duplex can also be purchased, if a buyer decided to buy both the lakefront home and duplex a lot split would not be necessary.

Property details

MLS #
MFRG5111097
Property type
Single Family Residence
Subdivision
UMATILLA MITCHENORS ADD
Status
Active
Days on market
7
On market date
April 16, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.43 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
UMATILLA ELEMENTARY SCHOOL
1.09 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
588
Student:teacher ratio
14.3:1
District
LAKE
Middle
UMATILLA MIDDLE SCHOOL
0.9 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
587
Student:teacher ratio
15.9:1
District
LAKE
High
UMATILLA HIGH SCHOOL
0.76 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
815
Student:teacher ratio
19.4:1
District
LAKE

Walkability

Blended score for UMATILLA's center: EPA's National Walkability Index (street network, transit, land-use mix) combined with nearby-amenity density. 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

60
Somewhat walkable
out of 100
EPA National Walkability Index
9.8 / 20 -- Below average walkable
Nearby-amenity density
75 / 100
Restaurants & cafes15
Grocery stores2
Parks2
Schools5
Transit stops11
Pharmacies0

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,041/mo
$96,000 down
$384,000 loan
Principal & interest$2,491
Property tax (est.)$400
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated April 23, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.