$760,000
SOLD SEP 23, 2025

402 Lake St Umatilla, FL 32784

3 Beds
2 Baths
2,246 Sq Ft
6.56 Acres

Recently Sold

$338 Per Sq Ft

3% Below List Price

12 Days on Market

Highlights

  • Lake Front
  • Above Ground Spa
  • Open Floorplan
  • Oak Trees
  • 6.56 Acre Lot
  • Wood Flooring

About This Home

As of September 2025

**Waterfront Home on 6.56 Private Acres**
Enjoy a peaceful blend of privacy and modern comfort in this lakefront home,
set on over 6.5 acres of well-maintained land. This property offers quiet
country living with convenient updates. Relax on the screened front porch with it’s private setting, perfect for
morning coffee. The grounds feature mature landscaping and a private fire pit
for evening gatherings. A screened back room provides a comfortable spot to
unwind with a jacuzzi and views of Collins Lake, and an outdoor shower is handy
for rinsing off after lake activities. The home has been carefully updated, including a new roof, gutters, and fresh
exterior paint as well as updated bathrooms all in 2019. The interior was painted
in 2021, new carpet, and new windows in 2023 for plenty of natural light. The
kitchen was fully remodeled with new appliances, cabinetry, and quartz countertops
and a new water heater was done in 2022. For outdoor enthusiasts, the property includes a private gun range and a new
10x20 shed built in 2024 with dual lofts and a drop-down ramp for easy access.
The septic system and drain-field were replaced in 2023, and the driveway was
redone with millings in 2021. With direct lake access, you can fish, kayak, or enjoy wildlife right from your
backyard. This is a great opportunity to own a well-updated waterfront home
with plenty of space and privacy.

Last Agent to Sell the Property

Eddy Workinger

EXPERT REAL ESTATE ADVISORS Brokerage Phone: 352-577-5201 License #3121383 Listed on: 08/14/2025

Last Buyer's Agent

Trish Leisner

REALTEAM REALTY INC. License #3185853

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,207

Year Built

  • Built in 2002

Lot Details

  • 6.56 Acre Lot
  • Lake Front
  • South Facing Home
  • Mature Landscaping
  • Irrigation Equipment
  • Oak Trees
  • Wooded Lot

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior

Interior Spaces

  • 2,246 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • Ceiling Fan
  • Wood Burning Fireplace
  • Family Room
  • Living Room
  • Dining Room
  • Bonus Room
  • Lake Views

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • Granite Countertops

Flooring

  • Wood
  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • En-Suite Bathroom
  • 2 Full Bathrooms
  • Soaking Tub
  • Bathtub with Shower
  • Shower Only
  • Rain Shower Head

Laundry

  • Laundry Room
  • Washer and Electric Dryer Hookup

Outdoor Features

  • Above Ground Spa
  • Access To Lake
  • Enclosed Patio or Porch
  • Shed
  • Rain Gutters

Schools

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

Utilities

  • Central Air
  • Ductless Heating Or Cooling System
  • Heating Available
  • Septic Tank

Community Details

  • No Home Owners Association
  • Acreage & Unrec Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,207

Year Built

Built in 2002

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block
  • Fireplace: Yes
  • Living Area: 2246
  • Lot Size Acres: 6.56
  • New Construction: No
  • Year Built: 2002
  • Building Area Total: 3396
  • Lot Size Sq Ft: 285754
  • Status: Sold
  • Co List Office Mls Id: MFR260505810
  • Co List Office Phone: 352-577-5201
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 315.50
  • Escrow City: Altamonte Springs
  • Escrow State: FL
  • Escrow Street Name: S Westmonte Dr Suite 2040
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 338.38
  • Total Acreage: 5 to less than 10
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 352-577-5201
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Wood
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Open Floorplan, Stone Counters
  • Appliances Included: Dishwasher, Microwave, Range, Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Features: Above Ground
  • Spa Yn: Yes
  • Stories: 1
  • Living Area Meters: 208.66

Exterior Features

  • Direction Faces: South
  • Other Structures: Shed(s)
  • Exterior Features: Rain Gutters
  • Roof: Shingle
  • Pool Private: No
  • View: Water
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Enclosed, Front Porch, Patio, Rear Porch, Screened
  • Road Surface Type: Gravel
  • Water Access: Lake
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Electricity Connected
  • Cooling: Central Air, Ductless
  • Heating: Electric
  • Laundry Features: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Sewer: Septic Tank
  • Water Source: Public

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required 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: A
  • Parcel Number: 12-18-26-0002-000-10300
  • Additional Parcels: No
  • Flood Zone Code: X

Rental Info

  • Pets Allowed: Yes
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 4206.64
  • Tax Block: 000
  • Tax Book Number: 1
  • Tax Lot: 1

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 14, 2025
Closed on
Sep 19, 2025
Sold by
Schlachter John M and Schlachter Kristyn L
Bought by
Tricia A Ayers Irrevocable Trust and Feldman
Seller's Agent
Eddy Workinger
EXPERT REAL ESTATE ADVISORS
Buyer's Agent
Trish Leisner
REALTEAM REALTY INC.
List Price
$785,000
Sold Price
$760,000
Premium/Discount to List
-$25,000
-3.18%
Views
46
Current Estimated Value
$755,286

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$4,714
Avg. Annual Appreciation
-1.99%
Original Mortgage
$380,000
Outstanding Balance
$379,319
Interest Rate
6.56%
Mortgage Type
New Conventional
Estimated Equity
$375,967

Purchase Details

Closed on
Mar 6, 2024
Sold by
Schlachter John M and Schlachter Kristyn L
Bought by
Schlachter John M and Schlachter John M

Purchase Details

Closed on
Mar 27, 2015
Sold by
Donohue Mark and Donohue Jennie
Bought by
Schlachter John M and Newton Kristyn Lynn

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$234,000
Interest Rate
3.79%
Mortgage Type
New Conventional

Purchase Details

Listed on
May 10, 2013
Closed on
Aug 22, 2013
Sold by
Gen Star One Inc
Bought by
Donohue Mark and Donohue Jennie
Seller's Agent
Matt Buttner
LIST NOW REALTY, LLC
Buyer's Agent
Kendall Vansant
OLYMPUS EXECUTIVE REALTY INC
List Price
$249,000
Sold Price
$238,000
Premium/Discount to List
-$11,000
-4.42%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.75%
Original Mortgage
$217,948
Interest Rate
4.25%
Mortgage Type
FHA

Purchase Details

Closed on
Mar 28, 2013
Sold by
Schottel Betty J
Bought by
Gen Star One Inc

Purchase Details

Closed on
Mar 7, 2013
Sold by
Schottel Betty J
Bought by
Gen Star One Inc

Purchase Details

Closed on
Nov 1, 2006
Sold by
Schottel Dennis and Schottel Betty J
Bought by
Schottel Dennis D and Schottel Betty J

Purchase Details

Closed on
Aug 14, 1997
Sold by
Charles Claudette Jones
Bought by
Smith Claudia Jones
Source: Public Records
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $760,000 None Listed On Document
Warranty Deed $100 None Listed On Document
Warranty Deed $260,000 Equitable Title Of Mid Fl Ll
Warranty Deed $238,000 Attorney
Trustee Deed $150,000 Attorney
Trustee Deed $150,000 None Available
Interfamily Deed Transfer -- Attorney
Deed $8,500 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $380,000 New Conventional
Previous Owner $234,000 New Conventional
Previous Owner $217,948 FHA
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
09/23/2025 09/23/25 Sold $760,000 -3.2% $338 / Sq Ft
08/26/2025 08/26/25 Pending -- -- --
08/14/2025 08/14/25 For Sale $785,000 +229.8% $350 / Sq Ft
08/22/2013 08/22/13 Sold $238,000 -4.4% $129 / Sq Ft View Prior Sale
07/11/2013 07/11/13 Pending -- -- --
05/10/2013 05/10/13 For Sale $249,000 -- $135 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

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 $4,207 $258,500 -- --
2025 $4,036 $251,460 -- --
2024 $4,036 $251,460 -- --
2023 $4,036 $237,030 $0 $0
2022 $3,909 $230,130 $0 $0
2021 $3,749 $223,427 $0 $0
2020 $3,865 $220,343 $0 $0
2019 $3,818 $215,390 $0 $0
2018 $3,674 $211,374 $0 $0
2017 $3,458 $207,027 $0 $0
2016 $3,420 $202,769 $0 $0
2015 $3,456 $199,054 $0 $0
2014 -- $197,475 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: G5099652

Stellar MLS

APN: 12-18-26-0002-000-10300