20525 SE 140TH STREET, UMATILLA, FL, 32784
Active15 days on marketListed Sep 7, 2026MLS #OM731846
About this home
20525 SE 140TH STREET
0.19 ACRES with approximate dimensions of 75 feet of frontage by 100 feet of depth. Rear of the property directly bordering 3,872 acre portion of 387,000 acres of federally protected U.S. Forest Service land within the Ocala National Forest turning your backyard into tons of potential for outdoor activities and natural recreation. You will never have rear neighbors with this unique location. Zoning is R4, permitting single-family homes, multi-family homes, and manufactured homes. The property is located in Flood Zone X, indicating a low flood risk. Road access is provided by a dirt. Utilities require a well and septic system, with electric service available through SECO, and power lines are road front. Minutes from Alexander Springs and Silver Glen Springs, offering year-round 72°F swimming, and a quick drive to major water bodies including Lake Griffin, Lake Eustis, and the St. Johns River system for boating and fishing. Enjoy proximity to charming historic towns such as Umatilla, Eustis, and Mount Dora for local dining and shopping. The parcel is also roughly 35 minutes from The Villages, providing access to regional healthcare facilities, golf courses, commercial retail, and daily entertainment. For directions use the address or Coordinates: 29.018581, -81.815547 Parcel ID: 5020-010-047
Facts & features
The home at a glance
0.19 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$229 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$229/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Umatilla
Get to know Umatilla. See the full Umatilla guide →
UMATILLA 32784 — neighborhood snapshot
Population
9,859
Median age
45.2
Median income
$69,633
Median home value
$237,300
Avg household
2.47
Households w/ children
1,175
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Umatilla market
$332K → $328K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 20525 SE 140TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$49,900
20900 SE 140TH PLACE · same community
1 bd · 1 ba · 540 sqft · $92/sqft · 78 DOM
Sold · Jul ’26$32,700
14048 SE 200TH COURT · same community
2 bd · 1 ba · 560 sqft · $58/sqft · 103 DOM
Sold · May ’26$15,000
20940 SE 141ST LANE · same community
2 bd · 1 ba · 784 sqft · $19/sqft · 12 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 20525 SE 140TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20525 SE 140TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20525 SE 140TH STREET FAQs
What would the monthly payment be for 20525 SE 140TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $229/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 20525 SE 140TH STREET?+
The most recent tax bill on record (2025) was $74. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $10,000, this home is listed about 97% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20525 SE 140TH STREET?+
Umatilla Middle School (middle), Umatilla High School (high), Umatilla Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FONTANA REALTY · Jonathan Olivares. MLS #OM731846.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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