20456 SE 140TH STREET, UMATILLA, FL, 32784
Active41 days on marketListed Jun 23, 2026MLS #TB8522562
About this home
20456 SE 140TH STREET
Charming and fully remodeled 2-bedroom, 1-bath single-wide mobile home situated on nearly half an acre in the peaceful countryside of Umatilla! This move-in-ready property features tasteful country-style finishes throughout, creating a warm and inviting atmosphere. Recent upgrades include a new roof, fresh interior and exterior paint, updated plumbing, and a new electrical pole with new electrical service and wiring, providing peace of mind for years to come. The spacious, fully fenced lot offers plenty of room for gardening, pets, outdoor activities, or future improvements. A storage shed provides additional space for tools and equipment. Enjoy the freedom of NO HOA and NO CDD fees, and best of all, you own both the land and the home. Conveniently located near Central Florida's beautiful rivers, lakes, parks, and outdoor recreation areas, while still offering easy access to shopping, dining, and everyday amenities. Whether you're looking for a primary residence, seasonal getaway, or investment opportunity, this property offers exceptional value and endless potential. Don't miss this affordable country retreat with room to grow.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
684
Sqft
0.4 ac
Lot size
1966
Year built
One
Levels
$202
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.
$1,114 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,114/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
$/sqft vs Umatilla actives
$202 vs $231
Days on market
41 vs 48 typical
Where $202/sqft sits among the 80 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 Umatilla
Get to know Umatilla. See the full Umatilla guide →
UMATILLA 32784 — neighborhood snapshot
Population
9,859
Median age
45.2
Median income
$69,633
Median home value
$237,300
Avg household
2.47
Households w/ children
1,175
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 → $333K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
39 of 80
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 55% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 20456 SE 140TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$15,000
20940 SE 141ST LANE · same community
2 bd · 1 ba · 784 sqft · $19/sqft · 12 DOM
Sold · Jul ’26$32,700
14048 SE 200TH COURT · same community
2 bd · 1 ba · 560 sqft · $58/sqft · 103 DOM
Sold · Mar ’26$33,000
20160 SE 141ST STREET · same community
2 bd · 1 ba · 825 sqft · $40/sqft · 48 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 20456 SE 140TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20456 SE 140TH STREET — 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
20456 SE 140TH STREET FAQs
What would the monthly payment be for 20456 SE 140TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,114/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 20456 SE 140TH STREET?+
The most recent tax bill on record (2025) was $977. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $137,900, this home is listed about 63% below the Umatilla median of $374,500. The market section on this page shows how the area is trending.
Which schools are assigned to 20456 SE 140TH STREET?+
Umatilla Middle School (middle), Umatilla High School (high), 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 LPT REALTY, LLC · Maria Troncoso. MLS #TB8522562.
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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