13400 COUNTY ROAD 450, Umatilla, FL, 32784 | $500,000

Discover the ultimate Florida lifestyle in this 3-bedroom, 2-bath lakefront sanctuary in charming Umatilla. Perfectly positioned on over one acre of property, this home is an ideal retreat for families, retirees, and nature lovers alike. Situated about 35-40 feet above the lake.
UNRIVALED VIEWS: Wake up to breathtaking lake views from your primary bedroom and enjoy spectacular sunsets from the spacious living area, one guest room, and the expansive, huge deck. The 3rd Bedroom has park like views of the front yard.
GOURMET KITCHEN: Designed for entertaining, the chef’s kitchen features stunning granite countertops and a beautiful, oversized island—the perfect gathering spot.
LUXURY INTERIOR: Enjoy a bright, airy feel with high ceilings, elegant , granite topped, tall vanities in the baths, the primary featuring double sinks and energy-efficient double-pane windows, throughout the home.
DURABLE & EFFICIENT: Built with strong concrete block and stucco construction for peace of mind. Practical features include an indoor laundry room with a sink. That doubles as an overflow pantry right off the kitchen.
NATURAL CHARM: The property is beautifully framed by majestic, mature oak trees, offering shade and a serene, park-like setting right to the water's edge.
PROXIMITY: Close to Floridas best springs, riding and hiking trails. Quick 2 miles to the Holly chain of lakes boat ramp. Only an hour to the East coast beaches and 2 hours to the West coast. 20 minutes to The Villages and less than 10 minutes to downtown Umatilla.
This is more than a home; it’s an opportunity to own a piece of Umatilla lakefront paradise.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 2019
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,508
  • Acreage: 1.39
  • Est. Taxes: $3,463
  • Lot Desc: Gentle Sloping, In County, Rolling Slope, Unincorporated, Zoned for Horses
  • View: Trees/Woods, Water
  • Water Front: Yes
  • Elem. School: Umatilla Elem
  • Middle School: Umatilla Middle
  • High School: Umatilla High
  • Appliances: Disposal, Dryer, Electric Water Heater, Refrigerator, Washer
  • MLS#: G5104702
  • Days on Market: 160 days
  • Website: https://www.raveis.com
    /prop/G5104702/13400countyroad450_umatilla_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/19/2026 6:02:27 AM)
Listing courtesy of LPT REALTY, LLC.   Phone: 877-366-2213

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

13400 COUNTY ROAD 450, Umatilla, FL, 32784

$500,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $400,000 $400,000 $400,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment $289 $289 $289
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,463 $2,528 $3,322
Total Monthly Payment $2,844 $2,909 $3,703

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.