Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 3 of 58
Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Main Kitchen Main house - 41520 CHARM LAKE DR, UMATILLA
Main Kitchen Main house - 41520 CHARM LAKE DR, UMATILLA
Main Kitchen Main house - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Owners Suite - 41520 CHARM LAKE DR, UMATILLA
Owners Suite - 41520 CHARM LAKE DR, UMATILLA
Owner Suite Bath - 41520 CHARM LAKE DR, UMATILLA
Main house Hall Bath - 41520 CHARM LAKE DR, UMATILLA
Main House Office Area - 41520 CHARM LAKE DR, UMATILLA
Main House bedroom 2 - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
Main house Mother in-law suite bedroom - 41520 CHARM LAKE DR, UMATILLA
Main house Mother in-law kitchen/living area - 41520 CHARM LAKE DR, UMATILLA
Main house Mother in-law bathroowm - 41520 CHARM LAKE DR, UMATILLA
Main house Laundry - 41520 CHARM LAKE DR, UMATILLA
Main house Deck - 41520 CHARM LAKE DR, UMATILLA
Main house Deck - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 34 of 58
Guest House Balcony - 41520 CHARM LAKE DR, UMATILLA
Guest House Balcony - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Kitchen In Guest House - 41520 CHARM LAKE DR, UMATILLA
Kitchen In Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House Bathroom - 41520 CHARM LAKE DR, UMATILLA
Guest House Bathroom - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Main house - 41520 CHARM LAKE DR, UMATILLA
Guest House - 41520 CHARM LAKE DR, UMATILLA
Workshop/garage - 41520 CHARM LAKE DR, UMATILLA
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 51 of 58
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 52 of 58
Main house - 41520 CHARM LAKE DR, UMATILLA
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 54 of 58
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 55 of 58
Single Family Residence at 41520 CHARM LAKE DR, UMATILLA, photo 56 of 58
Guest House - 41520 CHARM LAKE DR, UMATILLA
Main House - 41520 CHARM LAKE DR, UMATILLA
58 photos

$950,000

41520 CHARM LAKE DR
UMATILLA, FL 32784
Listed by Tyler Gibson LLC · LPT REALTY, LLC
Bedrooms
5
Bathrooms
4
Living area
4,936 sqft
Year built
1979

About this home

Discover a distinctive lakefront property at 41520 Charm Lake Dr in Umatilla, offering approximately 17.89 acres with 735 feet of frontage on Charm Lake, multiple living spaces, and a variety of outbuildings. The property offers 4,936 sq ft of total heated living space, is zoned for horses, and has no HOA. The main lakefront residence is configured as a 2-bedroom, 2-bath home with dedicated office space, along with a wood-burning fireplace, vaulted ceilings, and a wraparound screened porch overlooking the lake. Attached to the main residence is a separate 1-bedroom, 1-bath suite with its own kitchen and living area, creating additional flexibility for extended family, guests, or other needs. A completely separate approximately 1,100 sq ft guest house offers 2 bedrooms and 1 bathroom, along with its own private deck overlooking Charm Lake. Together, the separate living areas provide a unique layout with multiple options for how the property can be used. Beyond the residences, the acreage includes a workshop/storage facility with utilities, RV carport with a 50-amp hookup, barn with stalls, sheds, and an animal coop. Mature landscaping, wooded areas, fencing, and lake views add to the property's rural setting and overall appeal.

Highlights

WaterfrontFireplace

Property details

MLS
Stellar MLS
MLS #
MFRO6449945
Property type
Single Family Residence
Subdivision
DREAM LAKE POULTRY RANCHES
Status
Active
Days on market
4
On market date
October 16, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
2
Parking spaces
N/A
Lot size
17.89 acres
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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
4.24 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
5.12 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
4.79 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).

12
Very car-dependent
out of 100
EPA National Walkability Index
4.0 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

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

On the market 4 days -- 130 fewer days than UMATILLA's current average of 134 days.
For reference, the median list price across 173 active listings in UMATILLA right now is $279,900.

Mortgage calculator

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

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Est. monthly payment
$5,871/mo
$190,000 down
$760,000 loan
Principal & interest$4,929
Property tax (est.)$792
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 4 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.