IDX

Listed by LOGAN WILSON · Courtesy of RLW REALTY· Agent MLS ID# MFR260503103 · Deemed reliable but not guaranteed. · Data last updated: May 16, 2026 · 10:48 AM

260 S CENTRAL AVE

Umatilla, Lake, FL, 32784

Active

$870,000

$692/sqft

2Beds
2Baths
1,258Sq Ft
1998Built
1Days on Market

About this home

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!

Facts & Features

MFRG5111095
$870,000
Active
2
2
2
0
1,258 sqft
0.5800
1998
Residential
Single Family Residence
N/A

Community Information

260 S CENTRAL AVE
Umatilla Mitchenors Add
Umatilla
Lake
FL
32784
No

Amenities

N/A
N/A
No
No
No

Interior

High Ceilings, Open Floorplan, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s), Eat-in Kitchen, Stone Counters, Thermostat, Solid Surface Counters, Primary Bedroom Main Floor, Accessibility Features
Central, Electric
Central Air
Tile
N/A
2
Dishwasher, Refrigerator, Range, Tankless Water Heater

Exterior

Storage, Lighting
Block, Frame, Cement Siding
Slab
Shingle
N/A
N/A

School Information

Umatilla Elem
Umatilla Middle
Umatilla High

Additional Information

May 15, 2026
1
RP
East
No

Mortgage Calculator

This calculator provides estimates for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and loan terms vary by lender and are subject to credit approval, income/asset verification, and market conditions. Property tax and homeowners insurance shown are estimates and may differ. PMI applies when the down payment is under 20%. For an official Loan Estimate, contact a licensed mortgage lender. RLW REALTY is a licensed real estate brokerage, not a mortgage lender. Equal Housing Opportunity.

1 days on market

Listing updated: May 16, 2026 · 10:48 AM

Listed by: LOGAN WILSON · 352-516-6330RLW REALTY · 352-771-2560

Updated from Real Estate Market Data

Location

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