$395,000

40 S KENTUCKY AVENUE, Umatilla, FL 32784

4 beds |
3 baths |
2,521 sqft

Single-Family Home
Built in 1969
0.33acre lot
1 car garage
$157/sqft
Listed 7 days ago

Property Description

Charming Home with In-Law Suite & Saltwater Pool – One Block from Downtown Umatilla This charming and well-maintained home tucked away on a quiet cul-de-sac just one block from downtown Umatilla. Offering a private, peaceful atmosphere, this property features tile floors throughout, a split bedroom floor plan, and a spacious family room perfect for gatherings. The main home includes three bedrooms and two bathrooms, a separate laundry room, gas dryer, and reverse osmosis system under the kitchen sink. Enjoy outdoor living on the screened porch and open patio, overlooking the fully fenced yard. A standout feature is the second structure, ideal for college student,in-law suite, or as a pool house, complete with a full bathroom (no kitchen but room for one), its own one-car garage, and access to the screened pool deck. Relax year-round in the 14x34 in-ground saltwater pool with gas heat, perfect for entertaining or quiet evenings at home. Additional features include: • New roof (2021) • New HVAC (2023) • Paved driveway • Carport plus one-car garage • Quiet cul-de-sac location • Freshly painted interior and exterior Conveniently located only 50 miles from Disney, Daytona Beach, and New Smyrna Beach, this home offers the perfect blend of comfort, privacy, and accessibility. No HOA !!

Listing Status:: Active
Date Added:: February 5, 2026
Data Last Updated:: February 9, 2026 at 6:22PM
Listing Office:: DAVE LOWE REALTY, INC. : 352-383-7104
Listing Agent:: Jayne Towne : 352-530-6924
MLS ID:: G5106420

General: Living Room/Dining Room ComboPrimary Bedroom Main FloorSplit Bedroom
Appliances: Kitchen Reverse Osmosis SystemRangeRange HoodRefrigerator
Laundry: Gas Dryer HookupInsideWasher Hookup
Flooring: Ceramic Tile
A/C: Central Air
Heating: Central

General: Sliding Doors
Other Structures: Guest HouseEnclosedPorchScreenedPatioSide PorchCovered
Pool: Chlorine FreeGuniteHeatedIn GroundScreen EnclosureSelf Cleaning
Parking: Driveway

Roofing: Shingle
General: BlockOneBlockSlab

Road/Access: Asphalt
Originating MLS: Stellar MLS
County: Lake

Zoning: UMATILLAANNA D GUERRANT SUB LOTS 56 BLK B PB 4 PG 8 ORB 4725 PG 238613-18-26-1500-00B-00500
Fencing: Chain LinkWood

Utilities: BB/HS Internet AvailableCable AvailableElectricity AvailableElectricity ConnectedNatural Gas ConnectedWater AvailableWater Connected
Water: Private
Sewer: Public Sewer

Source: Stellar MLS
Ownership: Fee Simple

Presented by MBA Realty Group, Inc.

This listing courtesy of Jayne Towne , DAVE LOWE REALTY, INC.

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

Umatilla Elementary School

401 Lake St, Umatilla, FL, 32784

Grades PK-5

0.73 miles away

Umatilla Middle School

305 E Lake St, Umatilla, FL, 32784

Grades 6-8

0.65 miles away

Umatilla High School

320 N Trowell Ave, Umatilla, FL, 32784

Grades 9-12

0.41 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.