Duplex at 260 S CENTRAL AVE, UMATILLA
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41 photos

$415,000

260 S CENTRAL AVE
UMATILLA, FL 32784
Listed by Logan Wilson · RLW REALTY
Bedrooms
4
Bathrooms
N/A
Living area
2,160 sqft
Year built
1998

About this home

Lake-view duplex in Umatilla with income in place. It has two 2BR/2BA units with separate utilities, both tenant-occupied and professionally managed, and reported annual income of about 27K. Recent updates have addressed the major capital items. The property was previously run as a furnished short-term rental, so it can work as a long-term rental or a furnished mid-term rental. Block construction, tile and laminate floors, central air, and views of Lake Enola. Flood zone AE, so buyers should get an insurance quote early. The sale requires a lot split, which the City of Umatilla supports, so final lot dimensions and taxes are estimates. The lakefront home next door is also for sale, and buying both avoids the split. Close to downtown Umatilla and SR 19.

Property details

MLS
Stellar MLS
MLS #
MFRG5111096
Property type
Duplex
Subdivision
MITCHENORS ADD
Status
Active
Days on market
179
On market date
April 16, 2026
Stories
N/A
Total bathrooms
N/A
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.15 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
1.1 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
0.89 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
0.75 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 179 days -- 46 more days than UMATILLA's current average of 133 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.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,649/mo
$83,000 down
$332,000 loan
Principal & interest$2,153
Property tax (est.)$346
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 12 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.