Umatilla Homes with Lake Front Water Frontage

Umatilla Homes with Lake Front Water Frontage

Welcome to Umatilla, Florida—a hidden gem nestled in the heart of Lake County, where tranquil living meets picturesque landscapes. This charming city is surrounded by lush greenery and sparkling lakes, making it an ideal location for those who appreciate the beauty of nature. With a rich history and a strong sense of community, Umatilla offers residents a serene lifestyle while being just a short drive from the bustling cities of Orlando and Mount Dora.

One of the most alluring features of Umatilla is its stunning homes with lakefront water frontage. Imagine waking up every morning to the gentle sounds of water lapping against the shore and breathtaking views of the sunrise over the lake. These properties offer not just a home, but a lifestyle enriched by outdoor activities such as fishing, kayaking, and boating right from your backyard. With a variety of architectural styles, from charming cottages to modern estates, there’s a perfect waterfront retreat for everyone.

The community is also known for its friendly atmosphere, excellent schools, and vibrant local events, making it an ideal place for families and retirees alike. Enjoy weekend strolls along the scenic shores or gather with neighbors for a community barbecue—Umatilla embodies the warmth of small-town living.

Whether you’re looking to invest in a vacation home or seeking a permanent residence, Umatilla’s lakefront properties promise a unique blend of relaxation and adventure. Discover the enchanting lifestyle that awaits you in this beautiful Florida city, and let Umatilla be your sanctuary by the water.

Newest Umatilla Homes with Lake Front Water Frontage

$200,000
3 Beds ⋅ 3 Baths ⋅ Lake Mary Estates SubDv. ⋅ 32784 Zip Code
Step into a rare find at 16 Cayman Cir in Umatilla, a three bed, three bath home with a primary suite unlike anything else on the market. Two full bathrooms flank the owner's suite, connected by a spacious walk-in closet, each with its own private entrance from the bedroom. One side offers a step-in shower and single vanity, the other a garden tub and single vanity, giving true his and hers space that couples will appreciate every single day. The split bedroom floor plan keeps the owner's suite privately tucked away from the additional two bedrooms. The kitchen anchors the home with a large island and built in storage, opening to a large living room and a separate large dining room that gives you room to spread out. Indoor laundry adds everyday convenience. The backyard is fully privacy fenced for a quiet retreat of your own, and the neighborhood adds a small lake with a boat slip where residents launch kayaks for an afternoon on the water. The updates here speak for themselves. A 2025 roof, an HVAC system roughly four years old with a transferable warranty, and a full sweep of 2025-2026 upgrades throughout, including new floors, hardware, light fixtures, paint, and skylights in the owner's suite. Both porches have been redone, the guest bathroom has a new vanity and toilet, the kitchen has a newer dishwasher, and the water heater has been replaced. At 1,620 square feet, the layout is efficient without sacrificing comfort, and with no HOA, you get the freedom to make this home your own.

16 Cayman Circle, 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.

Se 150th Forest 02, #3, Se 150th Street, Umatilla
$375,000
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
$1,000,000
1 Beds ⋅ 1 Baths ⋅ N/A SubDv. ⋅ 32784 Zip Code
YOUR 40 ACRE WILDERNESS retreat can be discovered here in this breathtaking landscape of the Ocala National Forest, offering privacy and natural beauty that's becoming nearly impossible to find. A rustic HUNT-CAMP with basic modern amenities serves as the perfect refuge after a day spent exploring the land, hunting, HORSEBACK RIDING, or simply unwinding beneath a canopy of towering oaks and native pines. Wildlife is abundant, with deer, wild turkey, fox, bobcats, owls, and soaring eagles regularly calling this area home. Disconnect from the demands of everyday life, an authentic OLD FLORIDA EXPERIENCE. Spend your mornings watching wildlife from the cabin porch and your evenings around the campfire beneath a sky filled with stars. Ideally situated between Orlando, Ocala, and The Villages, this hidden oasis feels a world away while remaining surprisingly accessible. FOR BUYERS SEEKING LAND THAT OFFERS FREEDOM, RECREATION, AND A LASTING CONNECTION TO NATURE, THIS IS A RARE OPPORTUNITY. The Adjacent 150+ ACRES is available too! See MLS G5109487, creating an extraordinary private sanctuary of nearly 200 acres or more. Properties like this aren't made anymore—they're discovered. Wear your hiking shoes, hop into your jeep and go schedule your private tour today.

Forest 02, #1, Se 150th Street, Umatilla
$394,900
3 Beds ⋅ 2 Baths ⋅ Metes And Bounds Legal SubDv. ⋅ 32784 Zip Code
Tucked beneath a canopy of mature oaks at the end of a long, tree-lined approach, this 3-bedroom, 2-bathroom home sits on 4.38 acres with about 3 acres of uplands in the heart of Umatilla. Built in 2008 with 1,730 square feet of living space, it features a covered front porch with a wooden ramp, and a dining area with sliding glass doors that frame open water views across the rear yard. The kitchen offers ample cabinetry, a full appliance package, and an eat-in layout that flows into the main living areas. A spacious walk-in closet, an oversized shower with a built-in bench, and a dedicated laundry/utility room round out the floor plan. Step outside to a wide back deck overlooking a sprawling lawn that rolls down to the water's edge — a rare combination of privacy, acreage, and a peaceful lake setting close to Umatilla's dining, shopping, and SR-19/SE Hwy 42 access.

29714 Se Highway 42, Umatilla
$1,389,000
3 Beds ⋅ 3 Baths ⋅ Lake Murphy Estates SubDv. ⋅ 32784 Zip Code
Virtually Staged. Nestled beneath a canopy of majestic oak trees along nearly 300 feet of pristine Lake Murphy frontage, this extraordinary custom-built estate embodies the charm of Old Florida with the luxury and craftsmanship today's discerning buyer desires. Enjoy breathtaking west-facing sunsets and peaceful views of the neighboring cattle pasture, all while being just minutes from Mount Dora, Eustis, and Tavares. Bring the boat, Lake Murphy is a private skiable lake, offering endless opportunities for watersports, fishing, and sunsets right from your backyard. Built in 2009 and used primarily as a vacation home until recently, this meticulously maintained 3-bedroom, 2.5-bath residence offers over 2,700 square feet of thoughtfully designed living space. Soaring 10-foot ceilings, custom mahogany entry doors, handcrafted cabinetry, and stunning white oak flooring showcase the exceptional quality found throughout. The gourmet kitchen is a chef's dream, featuring GE Monogram appliances, Thermador cooking equipment, a farmhouse sink, warming drawer, built-in microwave, wine cooler, custom cabinetry, and a refrigerator that's only one year old. Designed to embrace its stunning surroundings, nearly every room opens onto expansive porches or balconies overlooking the lake. The luxurious primary on-suite bath features marble countertops, a spa-inspired walk-in shower with full-body spray jets, and plumbing already in place for a freestanding soaking tub. Exceptional craftsmanship continues throughout the home with custom wood columns and a fireplace mantel milled from trees harvested directly from the property. Additional features include a remote-controlled gas fireplace, whole-home surround sound with individual room controls, security system with glass-break sensors and door monitoring, authentic brick-floored mudroom, two HVAC systems (one replaced approximately two years ago). The beautifully landscaped grounds include mature trees and a 20-zone irrigation system to maintain the lush setting year-round. Zoned for horses and chickens, this property offers the perfect blend of luxury estate and country lifestyle, bring the farm and enjoy the freedom to create your own private homestead while still living on the water. The detached 3,300+ square-foot garage provides space for four vehicles and includes an unfinished 1,400-square-foot upper level ready to become a guest suite, home office, studio, multigenerational living space, income-producing apartment, or even a boutique event venue (subject to county approval). For those seeking even more privacy, the seller may consider selling the adjoining five-acre parcel with the home, creating the opportunity for an extraordinary family compound or expanded equestrian estate. The parcel will not be sold separately. A new architectural shingle roof was installed in 2024 over a peel-and-stick waterproof membrane for enhanced protection and potential insurance savings. Properties of this caliber are rarely available in Lake County. Offering timeless architecture, unmatched craftsmanship, incredible waterfront views, skiable lake access, equestrian and hobby farm potential, and endless possibilities, this is more than a home—it's a legacy estate built to be treasured for generations.

39411 County Road 439, Umatilla
$1,100,000
4 Beds ⋅ 2 Baths ⋅ Lake Murphy Estates SubDv. ⋅ 32784 Zip Code
Virtually Staged. Experience the perfect blend of luxury, privacy, and waterfront living in this exceptional custom-built lakefront 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 offers 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
$690,900
3 Beds ⋅ 3 Baths ⋅ Shoreline Ranch SubDv. ⋅ 32784 Zip Code
Pre-Construction. To be built. Welcome to Shoreline Ranch. This is a gated lakefront community. Rendering and floor plan show one possible home design that could be built on this lot. Not existing structure. This proposed lot and well-appointed home package is $690,900. Offering custom home packages by American Family Homes Inc the preferred builder. Build your dream home here and enjoy the breathtaking views year-round. The right lot shapes the way your home looks and feels, from the stunning views out your windows to the natural light that brightens your living space. In front of the gate there will be a sign with the gate code to enter into the community. Contact us today to schedule an appointment.

38797 Ranch Gate Boulevard, Umatilla
$1,300,000
4 Beds ⋅ 2 Baths ⋅ Acreage & Unrec SubDv. ⋅ 32784 Zip Code
Welcome to 19221 Baker Road, a stunning 2019-built estate offering the perfect blend of modern luxury, country privacy, and unmatched functional utility in scenic Umatilla. Step inside the spacious 4-bedroom home to discover an airy, open interior defined by dramatic high ceilings, crown molding, elegant arched doorways, and durable wood-look tile flooring. The gourmet kitchen is a chef’s dream, featuring an expansive contrasting central island, premium stone countertops, an integrated cooktop with a custom range hood, and built-in double ovens. Relax in the luxurious primary bathroom, complete with a dual-sink vanity, a dedicated walk-in shower, and a deep corner soaking tub framed by beautiful wood-plank tile accents. The upstairs fourth bedroom could be a game room or office because of its expansive size. Outdoors, the screened lanai features a covered patio area perfect for outdoor dining next to the pristine swimming pool. Another added benefit of this fenced, 20+ acre property is a massive 30x70 detached garage and workshop featuring large roll-up doors—an absolute dream setup for mechanics, contractors, hobbyists, or anyone needing extensive storage for an RV, boat, tractors, and classic cars. Enjoy the ultimate freedom of rural acreage zoned agricultural with no strict HOA limitations, all while staying conveniently located just off State Road 19 for an easy commute. Whether you are looking to establish a private family compound, run a home-based business, or store all your outdoor toys, this versatile, modern property delivers endless possibilities.

19221 Baker 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
$1,500,000
4 Beds ⋅ 4 Baths ⋅ Shoreline Ranch SubDv. ⋅ 32784 Zip Code
Pre-Construction. To be built. Introducing the Woodard, a spectacular custom-designed estate by Precision Builders of Central Florida, where timeless architecture, luxury finishes, and exceptional craftsmanship come together to create an extraordinary living experience. Offering approximately 3,600 square feet of thoughtfully designed living space, this stunning single-story floor plan features 4 bedrooms, 3 bathrooms, a private office, a dedicated laundry room, and an oversized 3-car garage. The charming front elevation showcases an expansive covered front porch, abundant windows, and architectural details that create curb appeal rarely found in today's new construction. Inside, soaring ceilings and expansive living spaces define the home's open-concept design. The great room serves as the heart of the home, highlighted by oversized windows and French doors that seamlessly connect the indoor and outdoor living. High-end finishes, luxury appliances, custom craftsmanship, and premium building materials are featured throughout, creating a level of quality that is evident in every detail. Outdoor living offers an impressive 800-square-foot covered lanai, designed for year-round enjoyment and entertaining. Complete with a fully equipped outdoor kitchen and an abundance of seating and gathering space. Building with Precision Builders of Central Florida provides a personalized experience rarely found in today's market. Buyers receive a complete build plan, including selections and finishes, before construction ever begins. Precision's dedicated team oversees every aspect of the process to ensure an exceptional experience from start to finish. Choose from thoughtfully designed floor plans, customize an existing design, or create a fully custom home tailored to your unique vision. The Woodard is proposed on one of the most desirable homesites within Shoreline Ranch, a gated community offering a rare blend of privacy, space, and lake lifestyle. Situated on a sprawling one-acre pie-shaped lot at the end of a cul-de-sac, this oversized homesite provides an incredible amount of usable land and an unmatched sense of privacy. Mature trees line the rear of the property, creating a natural backdrop and beautiful views in every direction. What makes Shoreline Ranch truly unique is that you don't have to choose between a neighborhood setting and access to the water. Residents enjoy private access to Lake Dalhousie through a community boat ramp, providing easy access to one of Central Florida's most beautiful spring-fed, sandy-bottom lakes. Spend your weekends boating, fishing, paddleboarding, skiing, wakeboarding, or simply enjoying the lakefront lifestyle year-round. Conveniently located near Publix, shopping, dining, medical facilities, and the charm of Downtown Mount Dora, Shoreline Ranch offers the perfect balance of peaceful living and everyday convenience. This is a rare opportunity to build an exceptional custom home on one of the best homesites in the community. Schedule your private tour today.

38361 Lake Meadow Court, Umatilla
$850,000
4 Beds ⋅ 3 Baths ⋅ Shoreline Ranch SubDv. ⋅ 32784 Zip Code
Pre-Construction. To be built. Introducing the Floridian, a stunning custom-designed floor plan by Precision Builders of Central Florida, thoughtfully crafted for modern Florida living. This spacious single-story residence offers 4 bedrooms, 3 bathrooms, a dedicated office, and a side-entry 2-car garage, blending timeless architecture with functional design and exceptional craftsmanship. At the heart of the home, the expansive open-concept great room creates a welcoming gathering space, highlighted by soaring ceilings, abundant natural light, and high-end finishes throughout. The thoughtfully designed layout seamlessly connects the living, dining, and kitchen areas, making it ideal for both everyday living and entertaining. The rear lanai is designed to maximize the beauty of the setting, offering sweeping views of the surrounding tree line. Building with Precision Builders of Central Florida provides a truly personalized experience. Buyers receive a complete build plan, including selections and finishes, before construction ever begins. Precision's dedicated team oversees every aspect of the process to ensure an exceptional experience from start to finish. Choose from thoughtfully designed floor plans like the Floridian, customize an existing design, or create a fully custom home tailored to your vision. Situated within the gated community of Shoreline Ranch, this prime homesite offers a rare opportunity to enjoy both privacy and a true lake lifestyle. Residents enjoy exclusive access to Lake Dalhousie, a spring-fed, sandy-bottom lake known for its crystal-clear waters, excellent fishing, boating, skiing, and year-round water recreation. A private community boat ramp makes getting on the water effortless. Conveniently located just minutes from Publix, shopping, dining, medical facilities, and the charm of Downtown Mount Dora, Shoreline Ranch offers the perfect balance of peaceful living and everyday convenience. Build the home you've always envisioned in one of Central Florida's most unique gated lakefront communities. Call today to schedule your private tour and learn more about this exceptional opportunity.

38514 Wooded Meadow Drive, Umatilla
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