260 S CENTRAL AVENUE, UMATILLA, FL, 32784
Active69 days on marketListed May 15, 2026MLS #G5111095
About this home
260 S CENTRAL AVENUE
Lakefront Oasis with Income Potential – 260& 264 S. Central Ave., Umatilla, FL. The main home is 1,258 sq ft and the duplex is 2,160 sq ft with both units currently occupied. Discover this exceptional lakefront home in the heart of “Nature’s Hometown” Umatilla, offering peaceful waterfront living with modern comforts and outstanding energy efficiency. Situated on a spacious lot that includes a separate duplex at 260 S. Central Ave. (Units A & B), this property provides versatile options — the duplex can be parceled off as its own unit for added value or rental income. 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 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 main home is an energy-efficient masterpiece with thoughtful details throughout. Titled in a Land Trust (to be provided). Whether you're looking for a primary residence, a vacation getaway, or an investment with rental potential from the duplex, this lakefront property delivers 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!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,258
Sqft
0.58 ac
Lot size
1998
Year built
One
Levels
$692
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,752 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,752/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+194%
$/sqft vs Umatilla actives
$692 vs $220
Days on market
69 vs 58 typical
Where $692/sqft sits among the 74 Umatilla actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gateway South Umitilla
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Umatilla. See the full Umatilla guide →
Gateway South Umitilla — neighborhood snapshot
Population
105
Median age
51
Median income
$69,908
Median home value
$238,756
Avg household
2
Households w/ children
10%
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Umatilla market
$332K → $323K
Umatilla median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
42 of 74
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 260 S CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$175,000
272 S CENTRAL/SR19S AVENUE · same community
2 bd · 1 ba · 1,010 sqft · $173/sqft · 63 DOM
Sold · May ’26$360,000
311 S CENTRAL AVENUE · same community
4 bd · 3 ba · 2,360 sqft · $153/sqft · 2 DOM
Sold · Mar ’26$215,000
21 CAYMAN CIRCLE
2 bd · 1 ba · 1,250 sqft · $172/sqft · 34 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 260 S CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 260 S CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
260 S CENTRAL AVENUE FAQs
What would the monthly payment be for 260 S CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,752/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 260 S CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $6,857. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 260 S CENTRAL AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Umatilla?+
At $870,000, this home is listed about 156% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 260 S CENTRAL AVENUE?+
Umatilla High School (high), Umatilla Middle School (middle), Umatilla Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RLW REALTY · Logan Wilson. MLS #G5111095.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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