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$279,800

180 N KENTUCKY AVENUE, UMATILLA, FL 32784

Active39 days on market

Beds

4

Baths

3

Sq Ft

1,756 sq ft

Year Built

1957

Lot Size

0.37 acres

Garage

About This Property

PRICE 25K BELOW MARKET VALUE FOR A QUICK SELL! $3,000 SELLER CONTRIBUTION AVAILABLE WITH ACCEPTABLE FFER! Welcome to this beautifully renovated 4-bedroom, 3-bath home with TWO PRIVATE PRIMARY SUITES, situated on an oversized 0.37-acre corner lot in Umatilla. Offering 1,756 sq. ft. of living space, this home combines a modern renovation, flexible floor plan and major system upgrades—making it truly move-in ready. Step inside to a bright OPEN-CONCEPT living area featuring new flooring, fresh paint, modern LED lighting and updated finishes throughout. The completely renovated kitchen is the centerpiece of the home, with new cabinetry, granite countertops, tile backsplash, upgraded fixtures and generous counter space overlooking the main living areas. One of the home's most desirable features is its TWO PRIMARY SUITES, EACH WITH A PRIVATE BATHROOM—an exceptional layout offering privacy and flexibility for guests, extended household needs, a home office or additional living arrangements. All three bathrooms have been renovated with updated vanities, tile, mirrors, fixtures and contemporary finishes. And the improvements go far beyond cosmetics: NEW HVAC SYSTEM, NEW DUCTWORK, COMPLETE PEX REPIPE, UPDATED PLUMBING/DRAIN LINES, UPDATED ELECTRICAL PANEL & BREAKERS, and UPDATED LIGHTING. Outside is where this property really separates itself. The oversized corner lot and huge backyard provide exceptional usable outdoor space with room for entertaining, recreation, vehicles, trailers or other possibilities subject to applicable local regulations. NO HOA. Conveniently located near local lakes and parks with easy access to Eustis, Mount Dora and surrounding Central Florida communities. 4 BEDROOMS • 3 FULL BATHS • TWO PRIVATE PRIMARY SUITES • 1,756 SQ FT • 0.37-ACRE CORNER LOT • NEW HVAC • COMPLETE REPIPE • RENOVATED KITCHEN & BATHS • NO HOA • $5,000 SELLER CONTRIBUTION Schedule your private showing and see the space, upgrades and value this home offers. Listing agent is the spouse of the seller.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6427988
StatusActive
Year Built1957
Total Rooms10
ConstructionConcrete
RoofShingle
FoundationBlock
FacesWest
SubdivisionUMATILLA YANCEYS ADD
CountyLake
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Stone Counters
FlooringLuxury Vinyl, Vinyl
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator
LaundryOther
CoolingCentral Air
HeatingCentral
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorOther
Lot Size0.37 acres (15,904 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$279,800
Original Price$299,700
Annual Taxes$3,077 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-12
Parcel #131826120000E00600

Schools

ElementaryUmatilla Elem
MiddleUmatilla Middle
HighUmatilla High

Directions

From SR-19 N in Umatilla, turn right onto E Guerrant St, then turn left onto N Kentucky Ave. The home will be on your left.

Location

180 N KENTUCKY AVENUE, UMATILLA, FL 32784

Listing Information

OfficeAGENT TRUST REALTY CORPORATION
ListedAugust 4, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$279,800

20% ($55,960)
6.75%

Loan Term

Principal & Interest$1,452
Property Tax (est.)$256
Insurance (est.)$150
Total Monthly$1,858
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $279,800 home in UMATILLA.

🏛️

FHA Loan

$9,793 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$13,990 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: September 14, 2026.

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