Umatilla Homes with Lake Front Frontage

Umatilla Homes with Lake Front Frontage

Welcome to Umatilla, Florida – a hidden gem nestled in the heart of Lake County, where the serene beauty of nature meets the charm of small-town living. Known for its picturesque landscapes and friendly community, Umatilla offers a delightful escape from the hustle and bustle of larger cities while still providing easy access to modern conveniences.

One of the most enchanting features of Umatilla is its stunning homes with lakefront frontage. Imagine waking up each morning to the gentle lapping of water against the shore, with breathtaking views of the sun rising over the tranquil lakes. These properties not only offer a peaceful retreat but also provide an array of recreational opportunities right at your doorstep. Enjoy fishing, kayaking, or simply basking in the sun on your private dock, making every day feel like a vacation.

The city boasts a rich history and a vibrant community spirit, with local events and festivals that bring residents together. Explore the charming downtown area, filled with quaint shops and eateries, or take a leisurely stroll through the lush parks that dot the landscape. With excellent schools, friendly neighbors, and a strong sense of community, Umatilla is an ideal place to call home.

Whether you’re seeking a serene lakeside retreat or a family-friendly neighborhood, Umatilla’s lakefront homes offer the perfect blend of tranquility and community. Come discover the beauty of Umatilla, where your dream home awaits amidst the shimmering waters and lush greenery. Embrace the Florida lifestyle and make Umatilla your next home sweet home!

Newest Umatilla Homes with Lake Front Frontage

41520 Charm Lake Drive, Umatilla
$950,000
5 Beds ⋅ 4 Baths ⋅ Dream Lake Poultry Ranches SubDv. ⋅ 32784 Zip Code
Discover a distinctive lakefront property at 41520 Charm Lake Dr in Umatilla, offering approximately 17.89 acres with 735 feet of frontage on Charm Lake, multiple living spaces, and a variety of outbuildings. The property offers 4,936 sq ft of total heated living space, is zoned for horses, and has no HOA. The main lakefront residence is configured as a 2-bedroom, 2-bath home with dedicated office space, along with a wood-burning fireplace, vaulted ceilings, and a wraparound screened porch overlooking the lake. Attached to the main residence is a separate 1-bedroom, 1-bath suite with its own kitchen and living area, creating additional flexibility for extended family, guests, or other needs. A completely separate approximately 1,100 sq ft guest house offers 2 bedrooms and 1 bathroom, along with its own private deck overlooking Charm Lake. Together, the separate living areas provide a unique layout with multiple options for how the property can be used. Beyond the residences, the acreage includes a workshop/storage facility with utilities, RV carport with a 50-amp hookup, barn with stalls, sheds, and an animal coop. Mature landscaping, wooded areas, fencing, and lake views add to the property's rural setting and overall appeal.

41520 Charm Lake Drive, Umatilla
W Lake Yale Road, Umatilla
$1,400,000
32784 Zip Code
74+/- acres in two adjoining parcels at the northwest corner of CR 450 and W Lake Yale Rd, with about 2,477 ft of paved CR 450 frontage and frontage on an unnamed lake. Zoned Agriculture (Rural future land use) in unincorporated Lake County, minutes from Umatilla and Eustis. Open pasture and mature oak hammocks with room for an estate, ranch or rural homesites. A boundary survey shows a potential lot split into four tracts, subject to Lake County approval. Portions are wetland and in FEMA flood zone AE. Buyer to verify acreage, uplands, permitted uses and any approvals.

W Lake Yale Road, Umatilla
County Road 450, Umatilla
$12,500
32784 Zip Code
Already own nearby but not on the water? This is the piece you have been missing. 2,250 square feet of direct lake frontage on County Road 450 in Umatilla, with 45 feet of paved road frontage out front and the lake at the back line. Small parcel, single purpose: it puts you on the water. Add a dock and keep the boat in the water instead of the driveway. Build a boathouse. Run out a fishing pier and be casting before the coffee gets cold. Or simply hold it and own a piece of shoreline while you decide. Zoned R-1, no HOA, and low annual taxes. Water service nearby, no utilities currently connected. Direct Lake County waterfront for about what people spend on a used truck. Opportunities here are limited only by what you want to build. Buyer and buyer's agent to verify zoning, permitted uses, dock and shoreline permitting through Lake County and the St. Johns River Water Management District, utilities, flood zone, and all lake and riparian rights.

County Road 450, Umatilla
37401 Turner Drive, Umatilla
$249,000
2 Beds ⋅ 1 Baths ⋅ Three Lakes Sub SubDv. ⋅ 32784 Zip Code
Waterfront! This charming bungalow sits directly on the shores of 68-acre Lake Bracy in the peaceful Three Lakes subdivision. Your private backyard deck looks across the water at a protected view of old Florida woods and nature, offering the ultimate backdrop with no back-facing neighbors. Enjoy the peaceful setting from inside through the large windows overlooking the lake and watch wading birds, fish jump and occasional native wildlife.Bring the pups! Fully fenced backyard! Maintained with pride of ownership, this 2-bedroom, block home offers classic charm meets smart, modern functionality. As you step inside, you are greeted by warm, real, hardwood floors and an inviting layout. The heart of the home features a character-rich kitchen equipped with knotty-pine wood cabinets and elegant glass-front displays perfect for showcasing your culinary collection. Notice the custom Built-Ins in the Dining area as well. The Main Living area is open and there are views of the Lake no matter where you sit. Storage is never an issue here, as the home boasts an impressive abundance of closets and storage options throughout to keep your living spaces organized and clutter-free. Notice the etched-glass paneled closet doors for added character. Professionally converted from a former carport, don’t overlook the 300+ sq feet of fully screened-in living area providing expansive bonus space and provides the ultimate setting for large-scale entertaining, dynamic dining, or peaceful morning coffee. Enjoy the fresh evening breeze completely free from pests and bugs in a space designed to blend indoor comfort with outdoor freedom. Nestled in a desirable neighborhood, this turnkey gem offers the perfect balance of cozy historic detail and major system updates. AC 2026. Roof 2022. Water Heater 2022. Gutters with Leaf Guard installed 2020. Range 2026. Deck Resurfaced 2025. Shed conveys with property. one or more pictures are virtually staged.

37401 Turner Drive, Umatilla
Forest 02, #3, Se 150th Street, Umatilla
$800,000
32784 Zip Code
DISCOVER 40 ACRES OF UNTOUCHED OLD FLORIDA tucked within the breathtaking landscape of the Ocala National Forest. This remarkable property offers exceptional privacy, WATERFRONT, and the kind of NATURAL BEAUTY that's becoming increasingly rare. Stately oaks, native PINES, open clearings, and peaceful shoreline create an ideal setting for a private retreat, hunting camp, or equestrian getaway. FOX, deer, owls, WILD TURKEY, bobcats, and majestic EAGLES call this home too. Spend your days hunting, fishing, horseback riding, hiking, paddling the shoreline, or simply enjoying the quiet solitude that only a property like this can provide. Build your dream cabin exactly where you want it, SURROUNDED BY NATURE and endless recreational opportunities. Conveniently located between Orlando, Ocala, and The Villages, this hidden wilderness feels miles away from the pressures of everyday life while remaining easily accessible. Looking for even more privacy? The adjacent 158+ acre property is also available (MLS G5109487), creating an extraordinary opportunity to own nearly 200 acres of contiguous land. Properties like this are becoming nearly impossible to find. Bring your hiking boots, hop in your vehicle, and experience this one-of-a-kind wilderness for yourself.

Forest 02, #3, Se 150th Street, Umatilla
603 W Ocala Street, Umatilla
$364,900
4 Beds ⋅ 2 Baths ⋅ Umatilla Wingfield Sub SubDv. ⋅ 32784 Zip Code
Discover the potential of this spacious lakefront home situated on a picturesque 0.41-acre corner lot shaded by majestic oak trees in the heart of Umatilla. Offering approximately 2,876 square feet of living space, this 4-bedroom, 2-bath residence provides an exceptional opportunity to create your dream home in a beautiful waterfront setting. Inside, you'll find a versatile floor plan featuring a generous family room, a separate living room with a striking stone fireplace, and sliding glass doors leading to the screened pool and patio with bar area overlooking the backyard and peaceful lake views. The spacious kitchen is equipped with beautiful wood cabinetry, abundant countertop space, and a dining area perfect for gathering with family and friends. The desirable split-bedroom layout includes a gracious primary suite with a private bath and sliding glass doors opening directly to the pool area. The converted garage provides additional under-air living space ideal for a home office, game room, fitness area, or hobby room. An interior laundry room with utility sink adds everyday convenience. Enjoy the privacy of a mature oak-shaded homesite, an inviting screened pool, and the beauty of lakefront living, all while being conveniently located near local shopping, dining, parks, and schools. Don't miss this opportunity to make this waterfront property your own! All information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify.

603 W Ocala Street, Umatilla
39251 County Road 439, Umatilla
$999,000
4 Beds ⋅ 2 Baths ⋅ Lake Murphy Estates SubDv. ⋅ 32784 Zip Code
Virtually Staged. INSTANT EQUITY OPPORTUNITY! PRICED BELOW APPRAISED VALUE! This home offers exceptional value. Experience the perfect blend of luxury, privacy, and waterfront living in this custom-built estate, nestled on 4.59 private acres with nearly 200 feet of frontage on beautiful Lake Murphy, a skiable lake. Featuring a grand circular driveway, this brand-new block home showcases exceptional craftsmanship, breathtaking views, and the freedom of no HOA. Designed for both everyday living and entertaining, the open-concept floor plan is filled with natural light and showcases panoramic lake views from the main living areas and primary suite. Sliding glass doors open to the covered lanai, creating a seamless indoor-outdoor living experience. The beautifully appointed kitchen features quartz countertops with a full-height backsplash, solid wood soft-close cabinetry, premium stainless steel appliances, double wall ovens, a separate cooktop with pot filler, a spacious center island, and a walk-in pantry. The private primary suite offers tranquil lake views, lanai access, a generous walk-in closet, and a spa-inspired bath with dual vanities, a freestanding soaking tub, and an oversized frameless glass shower with a rainfall showerhead. Additional features include luxury 12mm vinyl plank flooring throughout, sound-insulated interior walls, an oversized laundry room with abundant cabinetry, an irrigation system, seamless gutters, an insulated garage door, an oversized two-car garage, and an exterior lighting package with motion, soffit, landscape, and illuminated entry lighting. Outside, the possibilities are endless with room for a pool, workshop, RVs, boats, trailers, and more. Zoned to accommodate horses, chickens, goats, and other livestock, this property offers the perfect balance of luxury and flexibility. Spend your days boating, fishing, kayaking, paddleboarding, or water skiing right from your own backyard. Conveniently located less than 10 minutes from Publix, approximately 15 minutes from the Wekiva Parkway, and only 20 minutes from charming downtown Mount Dora, this one-of-a-kind property offers a rare combination of luxury, privacy, acreage, and waterfront living.

39251 County Road 439, Umatilla
57 Cayman Circle, Umatilla
$269,000
2 Beds ⋅ 2 Baths ⋅ Umatilla Lake Mary Estates Sub SubDv. ⋅ 32784 Zip Code
WATERFRONT on Lake Mary in Umatilla! Cute 2 bedroom - 1 full & 1 half bath CONCRETE BLOCK home on quarter acre lot! 80 foot deep, 28 acre lake! Known for great fishing and relaxing water activies! Sit on your SCREENED PORCH overlooking this beautiful waterway with a beverage after your work day or coffee in the morning and watch nature wake up! This cute home is move-in ready or update to your taste! Large laudry room. Garage with Door-Opener and service door on the side. A/C 2014 - recently serviced. Roof 2017. Umatilla School District - "A" Rated Schools! One or more pictures have been vitually staged.

57 Cayman Circle, Umatilla
17269 Se 260th Avenue Road, Umatilla
$7,370,000
8 Beds ⋅ 9 Baths ⋅ 32784 Zip Code
A rare Central Florida legacy estate, privately set on approximately 237 acres along beautiful Ella Lake. This extraordinary Umatilla property offers a remarkable combination of privacy, scale, waterfront beauty, and luxury improvements rarely found in today’s market. The main residence features over 11,000 square feet of living area, designed for grand entertaining and comfortable everyday living, with expansive indoor and outdoor spaces, a resort-style pool and spa, and a large, covered lanai overlooking the natural surroundings. Beautifully positioned on Ella Lake, this private Umatilla estate offers a rare blend of lakefront living, acreage, privacy, and natural Central Florida beauty. Enjoy peaceful water views, wildlife, fishing, kayaking, paddleboarding, and the quiet outdoor lifestyle that makes this property so special. With its expansive estate setting and convenient access to Umatilla, Eustis, Mount Dora, The Villages, and surrounding Central Florida destinations, this is a rare opportunity to own a true private lakefront retreat. In addition to the main residence, the property includes a spacious guest house of approximately 1,500 square feet situated above a six-car garage, providing ideal accommodations for guests, extended family, staff, or private retreat space. The acreage offers a stunning mix of open land, wooded areas, wetlands, and lakefront setting, creating exceptional opportunities for recreation, privacy, wildlife viewing, equestrian use, family compound living, or a one-of-a-kind luxury retreat. Located in a quiet and highly private setting, yet within reach of Umatilla, Eustis, Mount Dora, The Villages, and Ocala, this estate is a truly unique offering for the buyer seeking space, seclusion, waterfront character, and long-term legacy value. Properties of this size and quality are increasingly difficult to find in Central Florida.

17269 Se 260th Avenue Road, Umatilla
Se 158th Place, Umatilla
$89,000
Hidden Oaks Lakefront Country Estate SubDv. ⋅ 32784 Zip Code
Lakefront lot in a beautiful gated community in SE Marion County. Priced well under market value for fast sale. Buyers perform due diligence for utilities and building restrictions.

Se 158th Place, Umatilla
260 S Central Avenue, Umatilla
$870,000
2 Beds ⋅ 2 Baths ⋅ Umatilla Mitchenors Add SubDv. ⋅ 32784 Zip Code
Lakefront home plus an income-producing duplex, sold together on 0.58 acre in Umatilla. The package includes the 1,258 sq ft lakefront home at 264 S. Central Ave. and the 2,064 sq ft duplex at 260 S. Central Ave. (Units A and B), both currently occupied. You can live on the water and collect rent next door, or hold both as investments. The home: two ensuite bedrooms with glass-enclosed showers. The primary suite has an extra-large walk-in closet and a dual-head shower, and the second bedroom has a built-in office and a Murphy bed. The kitchen has quartz counters and Whirlpool appliances, and a large pantry holds the Samsung washer and dryer. The home also has tongue-and-groove cypress ceilings, tile throughout, and 6" spray-foam insulation. A wall of double-pane glass with two 8-ft sliders opens to a large screened lanai with an outdoor kitchen, a hot tub, lake views and a private dock. Systems: a whole-house Generac generator and Trane HVAC, both under service contract. A Navien tankless gas water heater. Gas heat, range and dryer. Lake-fed irrigation, underground utilities, and a lift station to city sewer. Also an extra-large double carport, a digital entry lock and a lockable exterior storage room. The lake is Lake Enola. Near downtown Umatilla and the Ocala National Forest. Titled in a land trust (documents available). The home and the duplex are also listed separately.

260 S Central Avenue, Umatilla
Lake Smith Road, Umatilla
$230,000
32784 Zip Code
Commercial lake front !!!!!Unique opportunity in Umatilla: corner C-2 commercial lot offering a rare dual advantage—direct frontage and high visibility on State Road 19, along with direct access and lake views. Ideal for a project seeking constant traffic exposure and a distinctive location enhanced by its waterfront component. This property provides easy access from major area roadways and an excellent position for a business focused on branding, strong market presence, and differentiation. In addition, public references indicate that infrastructure improvements and corridor planning initiatives are being considered along SR 19, further strengthening the area’s long-term growth potential.

Lake Smith Road, Umatilla
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