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!