65 Howard St, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot22,190 sqft

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About this home

65 Howard St is a home in Umatilla Oak Park, Umatilla. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

FOUR LOTS AVAILABLE IN UMATILLA! We would love to sell them together for this low price BUT WILL DIVIDE. Lots 13 & 14 together for 70K, or Lots 15 & 16 for 80K, impact fee paid on these two. A quiet, historic "Old Florida" town center. The area maintains a nostalgic feel, with many historic structures still in use. Plenty of local eateries and shops to enjoy. Umatilla offers a "sparse suburban" feel, providing a contrast to nearby, more busy cities. While boasting local charm, the town is relatively close to larger amenities in nearby Eustis and Mount Dora. Umatilla is also surrounded by numerous small to medium-sized lakes, with many within 3 miles. Top lakes immediately in or bordering Umatilla include East Lake, Lake Pearl, Lake Umatilla, Lake Enola, and Island Lake. Don't miss this opportunity!

The essentials

On market
176 days
Annual tax
$671
Flood zone
X · Low risk
Lot
22,190 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$884/mo
Down payment (20%)
$29,000
Property taxes
$56/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
22,190 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
176
Elementary
Umatilla Elem
Middle
Umatilla Middle
High
Umatilla High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$671
Parcel #
13-18-26-2300-00A-01300

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Umatilla Oak Park
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
22,190 sqft
BuildableClearedCity LimitsOversized Lot

Price history

Date
Event
Price
8/25/2026
Price change
Source: Stellar MLS #FC318051
$145,000-9.4%
4/25/2026
Listed for sale
Source: Stellar MLS #FC318051
$160,000

Neighborhood

65 Howard St
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Calculator

Est. monthly payment
$885/mo
Principal & interest$756
Property taxes$56
Insurance$73
Down payment20% · $29,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$145,000

Time on market

176 days

Monthly payment

About $884/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $671 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Julie BurgerListing data from Stellar MLS, MLS# FC318051.

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