# 260 S CENTRAL Avenue, Umatilla, FL 32784 > **TL;DR:** 2bd/2ba single family, $870,000 ($692/sqft), built 1998, 1,258 sqft. > A/C. Est. $4,653/mo. Listed 121 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $870,000 | | Price/sqft | $692 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,258 | | Year Built | 1998 | | Lot Size | 25,265 sqft (0.58 acres) | | Stories | 1 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 121 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,399 | | Estimated Insurance | $254 | | **Total** | **$4,653** | ## Nearby Schools - **Elementary:** Umatilla Elem - **Middle:** Umatilla Middle - **High:** Umatilla High ## Key Amenities - A/C ## Property Highlights - Built in 1998 - 0.58 acre lot ## Description ### Agent Description 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! ## Location - **Address:** 260 S CENTRAL Avenue, Umatilla, FL 32784 - **County:** Lake - **Neighborhood:** UMATILLA MITCHENORS ADD - **Coordinates:** 28.921492, -81.672671 - **Google Maps:** https://www.google.com/maps?q=28.921492,-81.672671 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/stellar/G5111095 ## Listing Agent - **Name:** Logan Wilson - **Brokerage:** RLW Realty - **Phone:** 3527712560 - **Broker Phone:** (352) 771-2560 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/260-S-Central-Ave_Umatilla_FL_32784_M99078-49392?f=listhub&s=MFRMLSFL&m=G5111095&c=propsimple) ## Photos ![260 S CENTRAL Avenue - Photo 1](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3839534604r.jpg) ![260 S CENTRAL Avenue - Photo 2](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3869813346r.jpg) ![260 S CENTRAL Avenue - Photo 3](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4183088999r.jpg) ![260 S CENTRAL Avenue - Photo 4](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3301231614r.jpg) ![260 S CENTRAL Avenue - Photo 5](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2212405611r.jpg) ![260 S CENTRAL Avenue - Photo 6](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2193811868r.jpg) ![260 S CENTRAL Avenue - Photo 7](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4044695356r.jpg) ![260 S CENTRAL Avenue - Photo 8](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4250688137r.jpg) ![260 S CENTRAL Avenue - Photo 9](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1435372780r.jpg) ![260 S CENTRAL Avenue - Photo 10](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1909551033r.jpg) ![260 S CENTRAL Avenue - Photo 11](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1085905434r.jpg) ![260 S CENTRAL Avenue - Photo 12](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4234255251r.jpg) ![260 S CENTRAL Avenue - Photo 13](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f989709797r.jpg) ![260 S CENTRAL Avenue - Photo 14](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3138893349r.jpg) ![260 S CENTRAL Avenue - Photo 15](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4174388284r.jpg) ![260 S CENTRAL Avenue - Photo 16](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2125952852r.jpg) ![260 S CENTRAL Avenue - Photo 17](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1216047354r.jpg) ![260 S CENTRAL Avenue - Photo 18](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2559811861r.jpg) ![260 S CENTRAL Avenue - Photo 19](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1912824050r.jpg) ![260 S CENTRAL Avenue - Photo 20](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1261164697r.jpg) ![260 S CENTRAL Avenue - Photo 21](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1476769552r.jpg) ![260 S CENTRAL Avenue - Photo 22](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3382565125r.jpg) ![260 S CENTRAL Avenue - Photo 23](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3915340160r.jpg) ![260 S CENTRAL Avenue - Photo 24](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1748421460r.jpg) ![260 S CENTRAL Avenue - Photo 25](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f769214340r.jpg) ![260 S CENTRAL Avenue - Photo 26](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1682657357r.jpg) ![260 S CENTRAL Avenue - Photo 27](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f4276744605r.jpg) ![260 S CENTRAL Avenue - Photo 28](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2842418664r.jpg) ![260 S CENTRAL Avenue - Photo 29](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3505044449r.jpg) ![260 S CENTRAL Avenue - Photo 30](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2877116999r.jpg) ![260 S CENTRAL Avenue - Photo 31](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1332162555r.jpg) ![260 S CENTRAL Avenue - Photo 32](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2304402619r.jpg) ![260 S CENTRAL Avenue - Photo 33](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3063302563r.jpg) ![260 S CENTRAL Avenue - Photo 34](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3579538178r.jpg) ![260 S CENTRAL Avenue - Photo 35](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f975183854r.jpg) ![260 S CENTRAL Avenue - Photo 36](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f2084624365r.jpg) ![260 S CENTRAL Avenue - Photo 37](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f569594718r.jpg) ![260 S CENTRAL Avenue - Photo 38](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f3751691271r.jpg) ![260 S CENTRAL Avenue - Photo 39](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1789666763r.jpg) ![260 S CENTRAL Avenue - Photo 40](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f133388268r.jpg) ![260 S CENTRAL Avenue - Photo 41](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f1855807012r.jpg) ![260 S CENTRAL Avenue - Photo 42](http://lh.rdcpix.com/58665f0b26161966e8d851effec10db4l-f678738592r.jpg) --- **MLS#:** G5111095 | **Updated:** 2026-08-26 **Source:** listhub *Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/260-s-central-avenue-umatilla-fl-32784-g5111095) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/260-s-central-avenue-umatilla-fl-32784-g5111095#listing", "url": "https://www.propertysimple.ai/listing/260-s-central-avenue-umatilla-fl-32784-g5111095", "name": "260 S CENTRAL Avenue, Umatilla, FL 32784", "description": "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. 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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. 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