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Overview

4 bd4 ba2,160 sqftDuplex
TypeDuplex
HOANone listed
Built1998
Lot5,750 sqft
Living area2,160 sqft
Price / sqft$192

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About this home

Ceiling Fans(s)Kitchen/Family Room ComboRain GuttersStorageSidewalksDishwasherDryerElectric Water Heater

260 S Central Ave is a 1998-built home in Mitchenors Add, Umatilla. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,160 square feet of living space. Listed at $415,000 (about $192/sqft), 173 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Lake-view duplex in Umatilla with income in place. It has two 2BR/2BA units with separate utilities, both tenant-occupied and professionally managed, and reported annual income of about 27K. Recent updates have addressed the major capital items. The property was previously run as a furnished short-term rental, so it can work as a long-term rental or a furnished mid-term rental. Block construction, tile and laminate floors, central air, and views of Lake Enola. Flood zone AE, so buyers should get an insurance quote early. The sale requires a lot split, which the City of Umatilla supports, so final lot dimensions and taxes are estimates. The lakefront home next door is also for sale, and buying both avoids the split. Close to downtown Umatilla and SR 19.

The essentials

Built
1998
Price / sqft
$192
On market
176 days
Annual tax
$3,500
Flood zone
AE
Lot
5,750 sqft
Type
Duplex

At a glance

Multi-family
Built 1998
Water views
Water
5,750 sqft lot
Lot size
2,160 sqft
Living area

Payment

Est. monthly payment
$2,663/mo
Down payment (20%)
$83,000
Property taxes
$292/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
1998
Lot
5,750 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
176
Ceiling Fans(s)
Kitchen/Family Room Combo
Rain Gutters
Storage
Sidewalks
Dishwasher
Dryer
Electric Water Heater
Exhaust Fan
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 AE
Annual Tax (2025)
$3,500
Parcel #
13-18-26-050000A00501

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
Mitchenors Add
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
5,750 sqft
Near Public Transit

Price history

Date
Event
Price
4/16/2026
Listed for sale
Source: Stellar MLS #G5111096
$415,000
$192/sqft

Neighborhood

260 S Central Ave
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $415,000
$407,500 – $415,000
98% – 100% of listTops out right at the list price
80% of listList price
44 of the last 87 home closings in 32784 landed at this number or higher (51%). The median one sat 52 days before it went under contract, and this one is on day 176.

Sample: 87 closed home sales in 32784 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,664/mo
Principal & interest$2,164
Property taxes$292
Insurance$208
Down payment20% · $83,000
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

$415,000

$192 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,160 sq ft

Time on market

176 days

Year built

1998

Monthly payment

About $2,663/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,500 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byRLW REALTYListing agent: Logan WilsonListing data from Stellar MLS, MLS# G5111096.

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