$870,000
260 S Central Avenue Umatilla, FL 32784
For Sale MLS# G5111095
2 beds 2 baths 1,258 sq ft Single Family
Details for 260 S Central Avenue
MLS# G5111095
Description for 260 S Central Avenue, Umatilla, FL, 32784
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!
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 2
Bathrooms: 2
Lot Size: 0.58 Acres
Square Feet: 1,258 sq ft
Year Built: 1998
Stories: 1 Story
Construction: Block,Cement Siding,Wood Frame
Construction Display: New Construction
Subdivision: Umatilla Mitchenors Add
Foundation: Slab
County: Lake
Construction Status: New Construction
School Information
Elementary: Umatilla Elem
Middle: Umatilla Middle
High: Umatilla High
Room Information
Main Floor
Porch: 12x44
Bedroom 2: 10x11
Living Room: 19x14
Kitchen: 12x12
Primary Bathroom: 8x12
Primary Bedroom: 12x14
Dining Room: 9x10
Utility Room: 7x7
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: Inside
Interior Features
Appliances: Dishwasher, Range, Refrigerator, Tankless Water Heater
Flooring: Tile
Accessibility: Accessibility Features
Additional Interior Features: Split Bedrooms, High Ceilings, Walk-In Closet(s), Vaulted Ceiling(s), Eat-In Kitchen, Main Level Primary, Open Floorplan, Solid Surface Counters, Stone Counters
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Cable Available,Electricity Connected,High Speed Internet Available,Sewer Connected,Water Connected
Cooling: Central Air
Heating: Central, Electric
Exterior / Lot Features
Parking Description: Covered
Roof: Shingle
Lot Dimensions: 73x405
Additional Exterior/Lot Features: Storage, Lighting
Driving Directions
From Eustis head North, make a U turn the property will be on your right once you make a U Turn on the West side of the road.
Financial Considerations
Terms: Cash,Conventional,FHA,VA Loan
Tax/Property ID: 13-18-26-0500-00A-00501
Tax Amount: 6856.82
Tax Year: 2025
A broker reciprocity listing courtesy: RLW REALTY
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Payment Calculator
Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 260 S Central Avenue
Sales History
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Tax Summary
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
Schools
Schools nearby 260 S Central Avenue
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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