20224 SE 156TH PLACE, UMATILLA, FL, 32784
Active65 days on marketListed May 20, 2026MLS #O6409375
About this home
20224 SE 156TH PLACE
Opportunity awaits in the charming town of Umatilla! Tucked away on private dirt roads and surrounded by mature landscaping, this 1 bedroom, 2 bath, two story home offers approximately 1,200 square feet of potential and privacy. Whether you are looking for your next investment project, weekend retreat, or a place to create your own vision from the ground up, this property is full of possibilities. The home is in need of updates and repairs, making it an ideal fixer upper for buyers ready to bring their creativity and personal touch. Enjoy the peaceful small town atmosphere that Umatilla is known for, while still being conveniently located near lakes, outdoor recreation, and the natural beauty of Central Florida. With its quiet surroundings and hidden away feel, this property offers a unique opportunity to transform it into something special.
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
1,200
Sqft
0.18 ac
Lot size
1976
Year built
Two
Levels
$58
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.
$748 /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
$748/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
$58 vs $223
Days on market
65 vs 58 typical
Where $58/sqft sits among the 74 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 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 → $323K
Umatilla median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
41 of 74
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 20224 SE 156TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$50,500
20144 SE 156TH STREET · same community
2 bd · 2 ba · 728 sqft · $69/sqft · 106 DOM
Sold · Nov ’25$151,000
20921 SE 157TH STREET
2 bd · 1.5 ba · 864 sqft · $175/sqft · 326 DOM
Sold · Aug ’25$120,000
19942 SE 155TH PLACE
2 bd · 1 ba · 720 sqft · $167/sqft · 99 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20224 SE 156TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20224 SE 156TH PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
20224 SE 156TH PLACE FAQs
What would the monthly payment be for 20224 SE 156TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $748/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 20224 SE 156TH PLACE?+
The most recent tax bill on record (2025) was $1,815. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 20224 SE 156TH PLACE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Umatilla?+
At $69,000, this home is listed about 80% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20224 SE 156TH PLACE?+
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.
Listing courtesy of ORLANDO REALTY & PROPERTY MGNT · Dallas Wittish. MLS #O6409375.
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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