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Overview

3 bd2 ba1,341 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2021
Lot16,995 sqft
Living area1,341 sqft
Price / sqft$261
Garage2 car

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About this home

Crown MoldingEat-in KitchenKitchen/Family Room ComboOpen FloorplanStone CountersThermostatWalk-in Closet(s)Playground

362 Lake St is a 2021-built home in Vista Oaks, Umatilla. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,341 square feet of living space. Listed at $349,900 (about $261/sqft), 89 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. BACK ON MARKET. PASSED INSPECTIONS. $3500 BUYER CREDIT. Built in 2021, this 3-bedroom, 2-bath home sits on .40 acres in Umatilla with NO HOA and a fully fenced backyard. No carpet here, LVP flooring runs throughout the entire home, and both bathrooms feature updated tile work. The large primary suite includes a MASSIVE walk-in closet with plenty of storage. The home is also set up as a smart home, allowing you to control the lighting, fans, garage doors, and exterior doors with Alexa, along with an upgraded front door lock that can be controlled directly from your phone. Security cameras are already installed for added protection. In the living room, the projector can be used in place of a traditional TV and connects through HDMI or USB for devices such as a Fire Stick or Roku. The driveway has been extended with pavers on both sides, creating additional parking space. Out back, the porch was expanded and updated to create a huge, fully screened patio with installed fans and lighting. The fenced .40-acre lot also includes a dedicated playground area while still leaving plenty of backyard space to use however you choose. Roof, A/C, and water heater are all 2021. No need to wait on new construction when this home is already built, fenced, upgraded, and ready to go.

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The essentials

Built
2021
Price / sqft
$261
On market
89 days
Annual tax
$4,767
Flood zone
X · Low risk
Lot
16,995 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
Garage Door Opener
0.39 acres
Lot size
1,341 sqft
Living area

Payment

Est. monthly payment
$2,397/mo
Down payment (20%)
$69,980
Property taxes
$397/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
16,995 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Days on Market
89
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Stone Counters
Thermostat
Walk-in Closet(s)
Playground
Rain Gutters
Sidewalk
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Range Hood
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)
$4,767
Parcel #
12-18-26-001100000700

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
Vista Oaks
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
16,995 sqft
Corner LotIn CountyLevelSidewalk

Price history

Date
Event
Price
7/14/2026
Listed for sale
Source: Stellar MLS #G5115104
$349,900
$261/sqft

Neighborhood

362 Lake St
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $349,900
$342,500 – $349,900
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 89.

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

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Calculator

Est. monthly payment
$2,397/mo
Principal & interest$1,825
Property taxes$397
Insurance$175
Down payment20% · $69,980
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

$349,900

$261 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,341 sq ft

Time on market

89 days

Year built

2021

Monthly payment

About $2,397/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,767 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

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Have another question?

Brokered byLPT REALTY, LLCListing agent: Alexis GibsonListing data from Stellar MLS, MLS# G5115104.

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