Single Family Residence at 260 S CENTRAL AVE, UMATILLA
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 2 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 3 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 4 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 5 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 6 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 7 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 8 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 9 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 10 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 11 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 12 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 13 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 14 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 15 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 16 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 17 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 18 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 19 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 20 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 21 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 22 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 23 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 24 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 25 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 26 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 27 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 28 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 29 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 30 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 31 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 32 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 33 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 34 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 35 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 36 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 37 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 38 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 39 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 40 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 41 of 42
Single Family Residence at 260 S CENTRAL AVE, UMATILLA, photo 42 of 42
42 photos

$870,000

260 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 plus an income-producing duplex, sold together on 0.58 acre in Umatilla. The package includes the 1,258 sq ft lakefront home at 264 S. Central Ave. and the 2,064 sq ft duplex at 260 S. Central Ave. (Units A and B), both currently occupied. You can live on the water and collect rent next door, or hold both as investments. The home: two ensuite bedrooms with glass-enclosed showers. The primary suite has an extra-large walk-in closet and a dual-head shower, and the second bedroom has a built-in office and a Murphy bed. The kitchen has quartz counters and Whirlpool appliances, and a large pantry holds the Samsung washer and dryer. The home also has tongue-and-groove cypress ceilings, tile throughout, and 6" spray-foam insulation. A wall of double-pane glass with two 8-ft sliders opens to a large screened lanai with an outdoor kitchen, a hot tub, lake views and a private dock. Systems: a whole-house Generac generator and Trane HVAC, both under service contract. A Navien tankless gas water heater. Gas heat, range and dryer. Lake-fed irrigation, underground utilities, and a lift station to city sewer. Also an extra-large double carport, a digital entry lock and a lockable exterior storage room. The lake is Lake Enola. Near downtown Umatilla and the Ocala National Forest. Titled in a land trust (documents available). The home and the duplex are also listed separately.

Highlights

Waterfront

Property details

MLS
Stellar MLS
MLS #
MFRG5111095
Property type
Single Family Residence
Subdivision
UMATILLA MITCHENORS ADD
Status
Active
Days on market
150
On market date
May 15, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.58 acres
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

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, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 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
Google Places amenity density
75 / 100
Restaurants & cafes15
Grocery stores2
Parks2
Schools5
Transit stops11
Pharmacies0

Market position

How this listing compares to current activity in UMATILLA, from live MLS data.

On the market 150 days -- 17 more days than UMATILLA's current average of 133 days.
For reference, the median list price across 172 active listings in UMATILLA right now is $280,000.

Mortgage calculator

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

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$5,389/mo
$174,000 down
$696,000 loan
Principal & interest$4,514
Property tax (est.)$725
Home insurance (est.)$150

Similar homes you might like

Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 10 days ago.

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.