
180 N KENTUCKY AVENUE, UMATILLA, FL, 32784
Active13 days on marketListed Aug 4, 2026MLS #O6427988
About this home
180 N KENTUCKY AVENUE
SELLER CONTRIBUTION OF UP TO $5,000 TOWARD BUYER'S CLOSING COSTS OR PREPAIDS WITH ACCEPTABLE CONTRACT! STUNNING FULLY RENOVATED 4-BEDROOM, 3-BATH HOME situated on a spacious CORNER LOT in Umatilla! This move-in-ready property has been extensively updated from top to bottom, combining a modern interior with major improvements to the home's mechanical systems. The bright, open floor plan features new flooring, fresh interior and exterior paint, updated doors and baseboards, modern LED lighting, and contemporary finishes throughout. The beautifully renovated kitchen offers new cabinetry, solid granite countertops, tile backsplash, upgraded fixtures, and generous workspace overlooking the main living areas. A standout feature is the home's highly desirable layout with TWO PRIMARY/MASTER BEDROOMS, EACH WITH ITS OWN PRIVATE BATHROOM, providing excellent flexibility for a multigenerational household, guests, extended family, or anyone looking for additional privacy. All three bathrooms have been renovated with updated vanities, custom tile work, mirrors, fixtures, and hardware. Major improvements include a NEW HVAC SYSTEM, including condenser, evaporator and new air ductwork; NEW PLUMBING AND COMPLETE PEX REPIPE; new drain lines; updated electrical panel and breakers; and updated lighting throughout. Outside, the property offers an EXPANSIVE BACKYARD with tremendous usable space and flexibility. The oversized lot provides room for multiple vehicles, work trucks, trailers, recreational vehicles, or additional storage, subject to applicable zoning and local regulations. The corner location provides additional frontage and makes the property especially attractive to buyers looking for more outdoor space than a typical residential lot. Fresh exterior stucco and a low-maintenance design complete the renovation. Conveniently located near local parks and lakes with access to Umatilla, Eustis, Mount Dora and surrounding Central Florida communities. 4 BEDROOMS | 3 BATHROOMS | 2 PRIVATE PRIMARY SUITES | NEW HVAC | COMPLETELY REPIPED | RENOVATED INTERIOR | OVERSIZED CORNER LOT | HUGE BACKYARD | $5,000 SELLER CONTRIBUTION Come see everything this beautifully renovated property has to propose! Listing agent is the spouse of the seller.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,756
Sqft
0.37 ac
Lot size
1957
Year built
One
Levels
$171
Per sqft
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.
$2,313 /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
$2,313/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Umatilla actives
$171 vs $235
Days on market
13 vs 54 typical
Where $171/sqft sits among the 86 Umatilla actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Downtown Umatilla
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Umatilla. See the full Umatilla guide →
Downtown Umatilla — neighborhood snapshot
Population
53
Median age
49
Median income
$70,023
Median home value
$243,924
Avg household
2
Households w/ children
8%
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 → $312K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
36 of 86
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 180 N KENTUCKY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$90,000
102 S TROWELL AVENUE
3 bd · 2 ba · 1,773 sqft · $51/sqft · 18 DOM
Sold · Apr ’26$199,900
290 N TROWELL AVENUE
3 bd · 2 ba · 1,773 sqft · $113/sqft · 17 DOM
Sold · Feb ’26$372,000
225 HILLSIDE AVENUE
4 bd · 2 ba · 1,781 sqft · $209/sqft · 58 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
Grace Mathisen
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 180 N KENTUCKY AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 180 N KENTUCKY AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Grace's phone and CRM.
Straight answers
180 N KENTUCKY AVENUE FAQs
What would the monthly payment be for 180 N KENTUCKY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,313/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 180 N KENTUCKY AVENUE?+
The most recent tax bill on record (2025) was $3,077. 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 $299,700, this home is listed about 22% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 180 N KENTUCKY AVENUE?+
Umatilla High School (high), Umatilla Middle School (middle), 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 AGENT TRUST REALTY CORPORATION · Jose Villafana. MLS #O6427988.
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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