Umatilla Homes under $400,000

Umatilla Homes under $400,000

Welcome to Umatilla, Florida – a hidden gem nestled in the heart of Lake County, where small-town charm meets the beauty of nature! Known for its picturesque landscapes and friendly community, Umatilla offers a serene lifestyle just a stone's throw away from the bustling cities of Orlando and Gainesville. With its rich history and vibrant local culture, Umatilla is the perfect place for families, retirees, and anyone looking to enjoy the tranquility of Florida living.

One of the most appealing aspects of Umatilla is its diverse real estate market, particularly for those seeking homes under $400,000. Here, you can find a variety of properties that cater to different tastes and needs. From cozy single-family homes with spacious yards to modern townhouses, there’s something for everyone. This affordability makes Umatilla an attractive option for first-time homebuyers and investors alike.

Imagine sipping your morning coffee on your porch while listening to the gentle rustle of leaves and the melodic chirping of birds. The surrounding natural beauty, including the stunning Ocala National Forest and numerous lakes, provides endless opportunities for outdoor adventures, whether it’s hiking, fishing, or simply enjoying a leisurely day in the sun.

Moreover, Umatilla's close-knit community hosts various events throughout the year, fostering connections and friendships among residents. With excellent schools, local parks, and convenient amenities, Umatilla is a place where you can truly feel at home. Explore the possibilities today and discover why Umatilla, Florida, is the perfect place to call home!

Newest Umatilla Homes under $400,000

37443 Beach Drive, Umatilla
$189,900
2 Beds ⋅ 1 Baths ⋅ Silver Lake Park SubDv. ⋅ 32784 Zip Code
Enjoy the beauty of lakefront living with this 2-bedroom, 1-bath home offering 1,118 sq ft and scenic lake views beneath beautiful, mature live oaks. The home features a formal living room, an open kitchen with wood cabinetry and a breakfast bar overlooking the dining area with sliding doors leading out to a screened lanai. A spacious Florida room provides a relaxing spot to take in the peaceful oak-shaded setting and lake views. Additional features include an attached 2-car garage, a separate workshop, and a generous lot with room to enjoy the outdoors. With its desirable lakefront setting, private dock, and distinctive character, this property offers an opportunity to make it your own. All information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Listing agent has no knowledge of property or disclosures.

37443 Beach Drive, Umatilla
40043 W 8th Avenue, Umatilla
$275,000
2 Beds ⋅ 2 Baths ⋅ East Umatilla SubDv. ⋅ 32784 Zip Code
2025 ROOF • NEW SEPTIC SYSTEM & DRAIN FIELD • NEW WATER HEATER • .52-ACRE LOT • NO HOA • NEAR NORTH LAKE COMMUNITY PARK Set on a .52-acre lot with no HOA, this Umatilla home offers room to enjoy the outdoors along with major improvements and distinctive interior character. Located at 40043 W 8th Avenue, just a short distance from North Lake Community Park, this 2-bedroom, 2-bath home features 1,388 square feet of living space. The spacious great room features natural light, wood beam accents and tile flooring, with a wood-burning fireplace at the center of the gathering space. The open kitchen keeps you connected to the living area and offers ample cabinetry and counter space. The primary bedroom and a full bathroom are conveniently located downstairs. Originally configured as a three-bedroom home, the layout was modified to combine the two downstairs bedrooms into one spacious primary bedroom. The second bedroom occupies the upstairs loft and has its own full bathroom. Updates include a roof replaced in 2025, exterior paint completed in 2024, a newer deck and well pump, a new water heater, and a new septic system and drain field. The deck provides a comfortable spot to relax overlooking the generous yard, with space for gardening, outdoor gatherings or simply enjoying a little extra elbow room. All information recorded in the MLS is intended to be acurate however, it should be independently verified by buyer and their agent.

40043 W 8th Avenue, Umatilla
19930 E Fifth Street, Umatilla
$299,000
3 Beds ⋅ 2 Baths ⋅ 32784 Zip Code
Welcome to 19930 E 5th St, Umatilla, FL 32784! Discover the possibilities in this single-family home offering 1,620 square feet of living space, 3 bedrooms, and 2 full bathrooms. With a comfortable layout and room to make it your own, this property is a great opportunity for buyers looking for a place to call home in Umatilla. Whether you're searching for your next home or looking for a property to personalize to your taste, this home offers a wonderful opportunity to create a space that fits your lifestyle. Conveniently located in Umatilla, Florida, this property puts you within reach of the area's local amenities and the charm of Central Florida living. Property Highlights: 1,620 square feet of living space 3 bedrooms 2 full bathrooms Single-family residence Sitting on 1.1 acre of cleared land with a fenced yard and electric gate. Located in Umatilla, Florida Don't miss the opportunity to make this property your own! Schedule a showing and come see the potential this home. Contact us today for more information or to arrange a private showing!

19930 E Fifth Street, Umatilla
143 Flag Lilly Lane, Umatilla
$352,990
4 Beds ⋅ 2 Baths ⋅ Magnolia Pointe Phase 1 SubDv. ⋅ 32784 Zip Code
Under Construction. Introducing the Cali floorplan at Magnolia Pointe, in Umatilla, Florida, where every square foot is put to use with sophistication and comfort. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,828 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing quartz counters and luxury vinyl plank floors. As you step inside, you are greeted by an inviting foyer that leads you into the heart of the home. The open-concept layout seamlessly connects the living room, dining area, and kitchen, creating a perfect space for entertaining family and friends. The spacious living room features abundant natural light, thanks to large windows that provide picturesque views of the surrounding landscape. With ample room for seating, it's an ideal spot for relaxation and gatherings. The kitchen is a true highlight, including quartz countertops, sleek stainless-steel appliances, a walk-in pantry and an oversized island with a breakfast bar. Whether you're preparing a casual meal or hosting a formal dinner, this kitchen is well-equipped to meet your culinary needs. The four generously sized bedrooms provide flexibility for various lifestyles. The primary suite located in the rear of the home is a tranquil retreat, featuring a private ensuite bathroom with dual sinks, a separate shower, and a walk-in closet. The remaining three bedrooms feature plush carpet for comfort and share one well-appointed bathroom, making morning routines a breeze. Laundry won't be a chore with its dedicated space convenient to all bedrooms. Like all homes in Magnolia Pointe, the Cali includes smart home technology, which allows you to control your home anytime with your smart device while near or away. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

143 Flag Lilly Lane, Umatilla
494 Brainard Avenue, Umatilla
$299,000
3 Beds ⋅ 2 Baths ⋅ Umatilla Osceola Park SubDv. ⋅ 32784 Zip Code
Welcome to this beautifully updated 3-bedroom, 1.5-bath Craftsman cottage in the heart of Umatilla! Full of timeless character and modern improvements, this inviting home has been freshly painted throughout and offers a wonderful blend of classic architectural details and thoughtful upgrades. Major improvements include a metal roof, central heating and air, updated plumbing and electrical, providing a great foundation for comfortable living. The charming curb appeal immediately catches your eye, with a spacious covered front porch and convenient attached carport. Step inside to discover a welcoming living room featuring high ceilings and beautiful period details, including original-style 15-light double French doors, built-in bookshelves, and a built-in desk that add character and functionality. The adjoining dining room showcases a classic tongue-and-groove wood ceiling, creating a warm and distinctive space for gathering with family and friends. French doors off the dining room lead to a versatile bonus room with its own exterior entrance. Whether you envision a private studio, home office, hobby room, or creative retreat, this flexible space offers plenty of possibilities. The kitchen beautifully combines character and modern style. Original hardwood cabinetry has been refreshed with new paint and hardware, while additional shaker-style cabinetry and a classic butcher-block countertop provide extra workspace beside the stove. A tile backsplash, range hood, open shelving, and high-end Samsung appliances complete this inviting kitchen, making it a great space for everyday cooking and entertaining. Convenience continues with an interior laundry area just off the kitchen and rear hallway, thoughtfully tucked away behind smoked-glass doors for a clean, streamlined appearance. Out back, enjoy a fenced backyard featuring a dedicated fire pit area, perfect for relaxing outdoors or gathering with friends. The generous lot offers room to garden, create additional outdoor living space, or explore the possibilities of adding a garage or workshop. Full of Craftsman charm, fresh updates, and versatile living spaces, this delightful Umatilla cottage offers character, functionality, and room to make it your own—all in a convenient location close to the heart of town.

494 Brainard Avenue, Umatilla
182 Amberwood Way, Umatilla
$359,625
5 Beds ⋅ 3 Baths ⋅ Magnolia Pointe SubDv. ⋅ 32784 Zip Code
Wow, Five Bedrooms for Under $370k! Look no further, you’ve found a gem in Lake County, Florida! Built in 2025, this almost-new five-bedroom, three-full-bath home offers modern finishes, spacious living and an incredible price of $369,900. Located in Magnolia Pointe in charming Umatilla, this move-in-ready home lets you skip the construction wait and start enjoying your new space! Step inside to a light, bright and open floor plan that connects the main living areas, creating a welcoming space for everyday living and entertaining. Tile flooring throughout the first floor adds style and easy maintenance. A spacious bedroom and full bathroom downstairs provide flexibility for guests, extended family or a home office. The sellers have added a vinyl backyard fence and select light fixtures, and all appliances stay, including the washer and dryer! Enjoy a spacious fenced backyard with room for outdoor entertaining, gardening and play. The patio and designated gazebo area provide inviting spaces to relax and enjoy Florida living. Discover the charm of Umatilla, where a quaint small-town atmosphere meets lakes, natural beauty and outdoor adventure. Nearby Ocala National Forest and Alexander Springs offer opportunities for swimming, hiking, paddling and picnicking. A short drive brings you to Eustis’s waterfront and downtown shops, Tavares’s lakeside parks and seaplane attractions, and historic downtown Mount Dora’s boutiques, restaurants and popular festivals. Access to Central Florida’s highway network connects you to downtown Orlando and the greater Orlando area, Orlando International and Orlando Sanford International airports, plus Port Canaveral’s cruise terminals and Atlantic Coast beaches for weekend getaways. Magnolia Pointe offers a community swimming pool, sports field, playground and dog park, with shopping and dining nearby. If you’ve been searching for an almost-new home with five bedrooms, three full bathrooms and a spacious fenced yard at an affordable price, put 182 Amberwood Way on your must-see list. Schedule your private tour today!

182 Amberwood Way, Umatilla
81 Golfview Circle, Umatilla
$299,000
3 Beds ⋅ 2 Baths ⋅ Twin Lakes Estates SubDv. ⋅ 32784 Zip Code
LOCATED at the GATEWAY to the OCALA NATIONAL FOREST in Umatilla! This 3-bedroom, 2-bath home is in Twin Lakes Estates, a 55+ gated lakeside community with a close-knit feel. Residents enjoy a clubhouse, POOL, walking/jogging trails, biking areas and plenty of activities. The home sits on a ¼-acre lot with a landscaped, low-maintenance yard. Inside, vaulted ceilings and ceramic tile and wood-look LVT flooring run throughout. The living area opens through French doors to an enclosed FLORIDA ROOM—a great extra space for relaxing, hobbies or even an OFFICE. The kitchen features 42" wood cabinetry, stainless appliances including a double oven and French-door refrigerator, BREAKFAST BAR and dining area. The PRIMARY SUITE offers a vaulted ceiling, CROWN MOLDING, walk-in closet and private bath with DOUBLE SINKS, soaking tub and separate tiled shower. A SPLIT-BEDROOM PLAN provides privacy for the two additional bedrooms and second bath. The laundry room includes cabinetry, UTILITY SINK and extra storage, with access to the 2-car GARAGE. Records indicate ROOF (2025), AC (2025) and WATER HEATER (2023). The Florida room opens to a patio and backyard with room for grilling, gardening or enjoying the sunshine. COMES PARTIALLY FURNISHED! Plus a ONE-YEAR HOME WARRANTY! Close to shopping, dining and medical facilities, with easy access to THE VILLAGES, or MOUNT DORA and ORLANDO area attractions

81 Golfview Circle, Umatilla
14965 Se 217th Terrace, Umatilla
$110,000
3 Beds ⋅ 1 Baths ⋅ Frst Lake Capsites SubDv. ⋅ 32784 Zip Code
Opportunity to own a single-family home surrounded by the beauty and privacy of the National Forest with a LARGE amount of land! This property offers a unique opportunity for someone looking for space, privacy, and the chance to bring a property back to life. There are two addresses associated with the property, and the seller will provide a survey showing the large second parcel. The seller would like to sell the home and land together and does not want to divide the property, giving the next owner the opportunity to take advantage of the full land offering. The home is a fixer-upper and will need attention, including areas of termite damage. The roof is also leaking above the fireplace and will need to be addressed. This property is best suited for a buyer who is willing to put in the work and see the potential in the home and the substantial amount of land that comes with it. Do your due diligence! Buyers and their agents should verify the acreage, parcel boundaries, addresses, legal descriptions, zoning, access, easements, and any other information important to the buyer. The county property appraiser/mapping records and the seller-provided survey should be reviewed and compared as part of the buyer's due diligence. If you've been looking for a home with a LOT of land, privacy, and the opportunity to create something of your own, this one is worth taking a closer look at. Come see the property, walk the land, and decide for yourself what this opportunity could become! Seller is ready to move on and is looking for a buyer who can see the potential and take on the project. Schedule your showing today!

14965 Se 217th Terrace, Umatilla
20160 Se 141st St, Umatilla
$155,000
2 Beds ⋅ 1 Baths ⋅ Big Scrub Campsites SubDv. ⋅ 32784 Zip Code
Motivated sellers! Negotiable! Big Scrub Campsites is located in the south-central portion of the Ocala National Forest, within the world's largest contiguous sand pine scrub forest. Popular with off-road vehicle (OHV) enthusiasts, with direct to-trail access to the 47-mile Ocala Adventure Trail (Ocala Centennial Trail).Home is perfect for those weekend get-aways to unplug and enjoy nature, rental home, or primary residence. Renovation in progress (will be done by closing) and ready for its next chapter! Kitchen to be installed soon with finishing touches. Situated on a .32-acre lot, this Umatilla home features tile floors, a new air-conditioning system, and a metal roof. Whether you’re purchasing your first home, downsizing, or adding to your investment portfolio, this property has plenty of possibilities. Enjoy outdoor recreation in the surrounding area at Sunnyhill Restoration Area, Lake Weir, and Carney Island Recreation & Conservation Area, or explore Alexander Springs and the natural beauty of Ocala National Forest. Easy to show—schedule your private tour today!

20160 Se 141st St, Umatilla
20850 Se 156th Place, Umatilla
$129,999
3 Beds ⋅ 2 Baths ⋅ Florida Orange Grove Corp SubDv. ⋅ 32784 Zip Code
Virtually Staged. Welcome to this charming 4-bedroom, 2-bath home offering approximately 1,460 sq. ft. of living space on a spacious lot in Umatilla, FL. The current owner has already completed much of the improvement work, giving the next buyer a great head start with an opportunity to add their own finishing touches and make the home truly their own. Whether you're looking for a primary residence or an investment opportunity, this property offers plenty of potential without starting from scratch. Located just minutes from the Ocala National Forest and Lake Weir, you'll have convenient access to fishing, boating, hiking, camping, and outdoor recreation. Downtown Umatilla, local shopping and dining are also nearby, with access to Ocala and The Villages. With 4 bedrooms, a large yard, privacy, and much of the improvement work already underway, this home is ready for its next owner to complete the vision and make it their own. Come see the possibilities and schedule your showing today!

20850 Se 156th Place, Umatilla
20145 Se Highway 42, Umatilla
$199,900
2 Beds ⋅ 2 Baths ⋅ Unrecorded Sub Sec B SubDv. ⋅ 32784 Zip Code
Virtually Staged. MOVE-IN READY, RECENTLY UPDATED, AND PRICED UNDER $200,000! Discover an inviting blend of comfort, value, and everyday convenience at 20145 SE Highway 42 in Umatilla. Nestled on approximately 0.30 acres beneath beautiful mature trees, this charming 2-bedroom, 2-bath concrete-block home offers 1,351 square feet of comfortable living space and a peaceful setting to call your own. Step inside to a bright, freshly painted interior featuring a spacious living area, tile flooring throughout the main living spaces, and newer carpeting in the bedrooms. The functional layout offers room to relax, entertain, and make yourself at home. BEYOND THE COSMETIC UPDATES, THE BIG-TICKET IMPROVEMENTS ARE ALREADY UNDERWAY! Enjoy freshly painted interiors and exteriors, windows installed approximately one year ago, and a septic drain field replaced approximately eight months ago—valuable improvements that help take some of the guesswork out of homeownership. Outside, the generous yard and mature trees create a welcoming natural backdrop with space to enjoy the outdoors, garden, or simply unwind. With two full bathrooms, a manageable homesite, and no HOA (if verified), this property offers flexibility for year-round living, a seasonal retreat, or an investment opportunity. Enjoy the laid-back charm of Umatilla with access to nearby lakes, outdoor recreation, shopping, and surrounding Central Florida communities. AFFORDABLE, UPDATED, AND FULL OF POTENTIAL—WHY KEEP RENTING WHEN HOMEOWNERSHIP COULD BE WITHIN REACH? Schedule your private showing and discover the possibilities!

20145 Se Highway 42, Umatilla
37350 Oak Lane, Umatilla
$279,000
2 Beds ⋅ 1 Baths ⋅ Three Lakes Sub SubDv. ⋅ 32784 Zip Code
Escape to the charm of country living with NO HOA while enjoying the convenience of being just minutes from shopping, dining, and everyday necessities! Nestled in a friendly, quiet neighborhood, this inviting 2-bedroom, 1-bath home offers a wonderful combination of comfort, privacy, and outdoor living, with plenty of room to relax, entertain, and enjoy the Florida lifestyle. Step inside to discover a warm and welcoming home featuring new kitchen appliances and a relaxing Jacuzzi tub, perfect for unwinding after a long day. A new roof installed in 2023 provides added peace of mind. One of the home's most appealing features is the screened porch, which opens to a spacious, private backyard fenced on three sides. Imagine enjoying your morning coffee while listening to the birds, hosting weekend gatherings with family and friends, or spending sunny Florida afternoons relaxing by the above-ground pool. With plenty of outdoor space, this backyard offers endless possibilities for creating your own peaceful retreat. Need room for your hobbies, tools, or recreational toys? You'll appreciate the two storage sheds, including a recently added large shed, providing plenty of space for equipment, seasonal decorations, or a workshop. The newer carport offers additional covered parking, ideal for a boat or other outdoor equipment. With NO HOA, you'll enjoy added flexibility to make this property your own! Whether you're searching for a full-time residence, a seasonal Florida getaway, or simply a place to enjoy a quieter pace of life, this charming home offers the space, privacy, and convenience you've been looking for. Come experience the possibilities and discover why this delightful property is such a wonderful place to call home!

37350 Oak Lane, Umatilla
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