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Overview

2 bd2 ba1,258 sqftSingle Family
TypeSingle Family
HOANone listed
Built2020
Lot19,472 sqft
Living area1,258 sqft
Price / sqft$382

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomStone Counters

264 S Central Ave is a 2020-built home in Umatilla Mitchenors Add, Umatilla. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,258 square feet of living space. Listed at $480,000 (about $382/sqft), 184 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Energy-efficient 2020 lakefront home on Lake Enola in Umatilla with a private dock, a screened lanai and a hot tub. Built for low upkeep, it has 6" spray-foam insulation, a Navien tankless gas water heater, Trane HVAC and a whole-house Generac generator (both under service contract). Inside, tongue-and-groove cypress ceilings and tile floors run through an open living and dining area. A wall of double-pane glass with two 8-ft sliders frames the lake. The kitchen has quartz counters and Whirlpool appliances, and a large pantry holds the Samsung washer and dryer. Both bedrooms are ensuite with glass-enclosed showers. The primary suite adds an extra-large walk-in closet and a dual-head shower, and the second bedroom has a built-in office and a Murphy bed. Motorized blinds are custom. Outside: an outdoor kitchen on the covered porch with a gas stub-out, lake-fed irrigation, an extra-large double carport, a digital entry lock, and a lockable exterior storage room. Gas heat, range and dryer. Underground utilities, with a lift station to city sewer. Please note: the sale depends on a lot split, which the City of Umatilla supports, so the lot size is approximate. The neighboring duplex is also for sale. Buying both together means no split is needed. Close to downtown Umatilla and the Ocala National Forest.

The essentials

Built
2020
Price / sqft
$382
On market
184 days
Annual tax
$6,857
Flood zone
X · Low risk
Lot
19,472 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Waterfront
Lake Front
0.43 acres
Lot size
1,258 sqft
Living area

Payment

Est. monthly payment
$3,314/mo
Down payment (20%)
$96,000
Property taxes
$571/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
19,472 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Lake Front
Days on Market
184
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Storage
Dishwasher
Disposal
Dryer
Range
Refrigerator
Tankless Water Heater
Elementary
Umatilla Elem
Middle
Umatilla Middle
High
Umatilla High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,857
Parcel #
13-18-26-0500-00A-00500

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 Mitchenors Add
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
19,472 sqft

Price history

Date
Event
Price
4/16/2026
Listed for sale
Source: Stellar MLS #G5111097
$480,000
$382/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $480,000
$470,000 – $480,000
98% – 100% of listTops out right at the list price
80% of listList price
45 of the last 89 home closings in 32784 landed at this number or higher (51%). The median one sat 58 days before it went under contract, and this one is on day 184.

Sample: 89 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
$3,315/mo
Principal & interest$2,503
Property taxes$571
Insurance$240
Down payment20% · $96,000
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

$480,000

$382 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,258 sq ft

Time on market

184 days

Year built

2020

Monthly payment

About $3,314/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,857 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.

Offer

What should I offer?

Have another question?

Brokered byRLW REALTYListing agent: Logan WilsonListing data from Stellar MLS, MLS# G5111097.

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