$598,000
$42K PRICE DROP

243 S Central Ave Umatilla, FL 32784

Estimated payment $3,570/month

Total Views 18,196
3 Beds
2.5 Baths
1,961 Sq Ft
$305 Price per Sq Ft

Highlights

  • Popular Property
  • Dock has access to electricity
  • Covered Boat Lift
  • 170 Feet of Lake Waterfront
  • Guest House
  • In Ground Pool

About This Home

Unique Lakefront Colonial with Pool & Guest House in Downtown Umatilla Built in 1875, this rare colonial-style home is full of character and old-world charm—truly not a cookie-cutter house. Set on 1.63 acres directly on Lake Umatilla, it features a private dock with electric service, boat lift, and jet ski lift. The main home offers 3 bedrooms and 2 baths, with a downstairs suite and two bedrooms upstairs sharing a full bath. Distinctive details include 10-foot ceilings, crown molding, vintage glass doorknobs, and a working vintage-style elevator. The detached 1-bedroom, 1-bath guest house with attached workshop would be a great rental or small business. The cottage adds an additional 1000 square feet. Recent updates include: Electrical, Plumbing, Kitchen; downstairs bathroom; exterior paint, roof (2018), and front windows; plus New Hot water heater. Perfect for entertaining, you can host gatherings by the pool, grill on the deck, and enjoy boating, fishing and skiing on the lake. Zoned Residential/Professional, this property also offers potential for a home-based business or office. Convenient to Umatilla Airport, with the occasional seaplane landing right on the lake.

Listing Agent

John Whipple

VANGIE BERRY SIGNATURE REALTY Brokerage Phone: 352-742-7355 License #3425845 Listed on: 01/20/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,542

Year Built

  • Built in 1875

Lot Details

  • 1.63 Acre Lot
  • Lot Dimensions are 188x386
  • 170 Feet of Lake Waterfront
  • Lake Front
  • West Facing Home
  • Fenced
  • Property is zoned RP

Property Views

  • Lake
  • Pool

Home Design

  • Colonial Architecture
  • Entry on the 2nd floor
  • Frame Construction
  • Shingle Roof
  • Metal Siding

Interior Spaces

  • 1,961 Sq Ft Home
  • 2-Story Property
  • Elevator
  • Crown Molding
  • Cathedral Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Window Treatments
  • Living Room
  • Dining Room
  • Home Office
  • Inside Utility
  • Crawl Space

Kitchen

  • Range with Range Hood
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • En-Suite Bathroom
  • In-Law or Guest Suite
  • Single Vanity
  • Hydromassage or Jetted Bathtub

Laundry

  • Laundry in unit
  • Dryer
  • Washer

Parking

  • 1 Carport Space
  • Electric Vehicle Home Charger

Pool

  • In Ground Pool
  • Vinyl Pool
  • Pool Deck
  • Auto Pool Cleaner

Outdoor Features

  • Access To Lake
  • Water Skiing Allowed
  • Covered Boat Lift
  • Dock has access to electricity
  • Deck
  • Enclosed Patio or Porch
  • Separate Outdoor Workshop
  • Shed

Additional Homes

  • Guest House
  • 552 SF Accessory Dwelling Unit

Schools

  • Umatilla Elementary School
  • Umatilla Middle School
  • Umatilla High School

Utilities

  • Central Heating and Cooling System
  • 1 Water Well
  • Electric Water Heater
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Acreage & Unrec Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,542

Year Built

Built in 1875

Lot Details

1.63 Acres

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Colonial
  • Construction Materials: Metal Siding, Frame
  • Fireplace: Yes
  • Living Area: 1961
  • Lot Size Acres: 1.63
  • New Construction: No
  • Year Built: 1875
  • Building Area Total: 1961
  • Lot Size Sq Ft: 70955
  • Status: Active
  • Street Direction: S
  • Ownership: Fee Simple
  • Entry Level: 2
  • Building Area Total Srch Sq M: 182.18
  • Escrow City: Tavares
  • Escrow State: FL
  • Escrow Street Name: Dora Ave
  • Floor Number: 2
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 304.95
  • Total Acreage: 1 to less than 2
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 1
  • MFR_DockDescription: Dock w/Electric
  • MFR_DockYN: 1
  • MFR_InLawSuiteDescription: 1 Bathroom,Kitchen,Private Entrance
  • MFR_InLawSuiteUnderAirSqFt: 552.00
  • Attribution Contact: 352-742-7355
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Vinyl, Wood
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Interior Amenities: Cathedral Ceiling(s), Ceiling Fans(s), Crown Molding, Elevator, High Ceilings, Window Treatments
  • Appliances Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer
  • Foundation Details: Crawlspace
  • Total Bedrooms: 3
  • Levels: Two
  • Spa Yn: No
  • Stories: 2
  • Window Features: Window Treatments
  • Additional Rooms: Inside Utility,Interior In-Law Suite w/No Private Entry
  • Living Area Meters: 182.18

Exterior Features

  • Direction Faces: West
  • Other Structures: Guest House, Shed(s), Workshop
  • Pool Features: Auto Cleaner, Deck, In Ground, Vinyl
  • Exterior Features: Other, Sidewalk
  • Roof: Shingle
  • Home Warranty: No
  • Pool Private: Yes
  • View: Pool, Water
  • Water Body Name: LAKE UMATILLA
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Enclosed, Rear Porch, Screened
  • Road Surface Type: Paved
  • Water Access: Lake
  • Water Extras: Lift - Covered,Skiing Allowed
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 170
  • Water Frontage Feet Lake: 170

Garage/Parking

  • Attached Garage: No
  • Carport Spaces: 1
  • Carport Y N: Yes
  • Garage Yn: No
  • Parking Features: Electric Vehicle Charging Station(s)

Utilities

  • Utilities: Cable Connected, Electricity Connected, Public
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside
  • Sewer: Public Sewer
  • Water Source: Public, Well
  • Number of Wells: 1

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Umatilla Elem
  • High School: Umatilla High
  • Middle Or Junior School: Umatilla Middle

Lot Info

  • Zoning: RP
  • Parcel Number: 13-18-26-0003-000-06300
  • Additional Parcels: No
  • Fencing: Fenced
  • Lot Dimensions: 188x386
  • Property Attached Yn: Yes
  • Flood Zone Code: AE

Rental Info

  • Furnished: Negotiable
  • Lease Restrictions YN: 0
  • Month To Month Or Weekly YN: 0

Tax Info

  • Tax Annual Amount: 4541.56
  • Tax Block: 000
  • Tax Book Number: X
  • Tax Lot: X

Multi Family

  • Waterfront Features: Lake Front
  • Currency Monthly Rent Amt: 825.00

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2026 $4,394 $256,330 -- --
2025 $4,225 $249,350 -- --
2024 $4,225 $249,350 -- --
2023 $4,225 $235,040 $0 $0
2022 $4,030 $228,200 $0 $0
2021 $3,854 $221,557 $0 $0
2020 $3,969 $218,499 $0 $0
2019 $3,922 $213,587 $0 $0
2018 $3,779 $209,605 $0 $0
2017 $3,543 $211,056 $0 $0
2016 $3,300 $197,127 $0 $0
2015 $3,322 $192,924 $0 $0
2014 $3,239 $188,194 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/12/2026 05/12/26 Price Changed $598,000 -2.0% $305 / Sq Ft
04/10/2026 04/10/26 Price Changed $610,000 -2.4% $311 / Sq Ft
03/02/2026 03/02/26 Price Changed $625,000 -2.3% $319 / Sq Ft
01/20/2026 01/20/26 For Sale $639,900 +341.3% $326 / Sq Ft
05/26/2015 05/26/15 Off Market $145,000 -- --
12/26/2012 12/26/12 Sold $145,000 0.0% $57 / Sq Ft View Prior Sale
12/26/2012 12/26/12 Pending -- -- --
12/21/2012 12/21/12 Sold $145,000 +3.6% $58 / Sq Ft View Prior Sale
12/21/2012 12/21/12 For Sale $139,900 +6.1% $55 / Sq Ft
11/13/2012 11/13/12 Price Changed $131,900 -5.7% $52 / Sq Ft
11/02/2012 11/02/12 Pending -- -- --
06/29/2012 06/29/12 For Sale $139,900 -- $56 / Sq Ft
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $241,000 Attorney
Special Warranty Deed $145,000 New House Title Llc
Special Warranty Deed -- New House Title Llc
Trustee Deed -- Attorney
Trustee Deed -- Attorney
Quit Claim Deed -- Attorney
Warranty Deed $265,000 Apple Title Ltd
Warranty Deed -- --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $248,953 VA
Previous Owner $101,500 New Conventional
Previous Owner $240,000 Purchase Money Mortgage
Source: Public Records

Source: Stellar MLS

MLS Number: G5107014

Stellar MLS

APN: 13-18-26-0003-000-06300

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