41520 CHARM LAKE DRIVE Umatilla, FL $ 950,000
41520 CHARM LAKE DRIVE
$ 950,000
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41520 CHARM LAKE DRIVE

Umatilla, FL, 32784
$ 950,000
Bedrooms5 Baths4.0 Sq 4,936

Monthly Estimate*

$ 6,561

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Single Family Home for sale in Umatilla, FL

for $950,000 with 5 bedrooms and 4 full baths. This 4,936 square foot home was built in 1979 on a lot size of 17.89.

Discover a distinctive lakefront property at 41520 Charm Lake Dr in Umatilla, offering approximately 17.89 acres with 735 feet of frontage on Charm Lake, multiple living spaces, and a variety of outbuildings. The property offers 4,936 sq ft of total heated living space, is zoned for horses, and has no HOA. The main lakefront residence is configured as a 2-bedroom, 2-bath home with dedicated office space, along with a wood-burning fireplace, vaulted ceilings, and a wraparound screened porch overlooking the lake. Attached to the main residence is a separate 1-bedroom, 1-bath suite with its own kitchen and living area, creating additional flexibility for extended family, guests, or other needs. A completely separate approximately 1,100 sq ft guest house offers 2 bedrooms and 1 bathroom, along with its own private deck overlooking Charm Lake. Together, the separate living areas provide a unique layout with multiple options for how the property can be used. Beyond the residences, the acreage includes a workshop/storage facility with utilities, RV carport with a 50-amp hookup, barn with stalls, sheds, and an animal coop. Mature landscaping, wooded areas, fencing, and lake views add to the property's rural setting and overall appeal.

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Single Family Active

Price

$ 950,000

Bedrooms

5

Full Bath

4

Property Type

Single Family

Taxes

$ 10,421

Style

Ranch

Lot Size

17.89

Year Built

1979

Town/City

Umatilla

County/Region

Lake

MLS | Web ID

O6449945

Features
General
Sewer Septic Tank
Heating Central
Cooling Central Air
Utilities BB/HS Internet Available Electricity Connected
Possession Close Of Escrow
Roof Shingle
Appliances Built-In Oven Dishwasher Dryer Range Refrigerator Washer
Zoning A
Garage Spaces 2
Patio/Porch Features Covered Deck Screened
Architectural Style Ranch
Construction Materials Wood Frame
Year Built 1979
View Garden Trees/Woods Water
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Current Use Other
Ownership Fee Simple
Waterfront Features Lake Front
Additional Parcels Description 0
County Lake
New Construction false
Property Type Residential
Attached Garage false
Subdivision Name DREAM LAKE POULTRY RANCHES
Facing Direction East
Garage Y/N true
Other Structures Additional Single Family Home Barn(s) Finished RV Port Guest House Shed(s) Storage Workshop
Total Rooms 7
Full Baths 4
Status Active
Directions From the intersection of SR-19 and CR-450W in Umatilla travel west on CR-450W for approximately 5.5 miles. Turn sharply left onto Saint Thomas Avenue then turn right onto Charm Lake Drive. The property is located on Charm Lake Drive.
City UMATILLA
Body of Water CHARM LAKE
Senior Community Y/N false
MLS Area 32784 - Umatilla / Dona Vista
Lot Size Units Acres
Lot Size Square Feet 779208
Carport Spaces 2
Carport Y/N true
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 10421.35
Property Condition Completed
Additional Parcels Y/N true
Lease Considered Y/N true
Virtual Tour https://www.zillow.com/view-imx/20404486-bcd0-4326-abf5-34f51e63c82f?wl=true&setAttribution=mls&initialViewType=pano
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 13
Legal Description DREAM LAKE POULTRY RANCHES BEG 207.45 FT N & 377 FT W OF SE COR OF LOT 13 RUN W TO W LINE OF LOT 12 N'LY TO A PT 69 FT S'LY FROM NW COR OF LOT 12 W TO LAKE S'LY ALONG LAKE TO POINT W OF SW COR OF LOT 12 E TO E LINE OF LOT 12 N TO N LINE OF LOT 11 W T O POINT N OF POB S TO POB LOTS 13 14 15 23 24 S 202 FT OF LOT 25 BLK C & UNNUMBERED LOT W OF LAKE IN BLK C PB 9 PG 47 FROM SE COR OF NE 1/4 OF SEC 06-18-26 RUN N 00-08-12 E 252.83 FT FOR POB RUN N 89-51-48 W 107.49 FT N 00-08-12 E 578.43 FT S 89-51-4 8 E 107.49 FT S 00-08-12 W 578.43 FT TO POB ORB 5152 PG 2107
Water View Lake
Water Access Type Lake
Minimum Lease 1-7 Days
Water Access Y/N true
Water View Y/N true
Flood Zone Code X
In Law Suite YN true
In Law Suite Description 1 Bathroom 1 Bedroom
Flood Zone Code X Y
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Interior
Interior Amenities Cathedral Ceiling(s) Ceiling Fan(s) Vaulted Ceiling(s)
Flooring Ceramic Tile
Furnished Y/N Unfurnished
Fireplace Features Family Room Wood Burning
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Half Baths 0
Laundry Features Electric Dryer Hookup Inside Washer Hookup
Total Bedrooms 5
Total Baths 4
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Exterior
Exterior Amenities RV Hookup
Vegetation Fruit Trees Mature Landscaping Trees/Landscaped Wooded
Parking Features Circular Driveway Covered Guest Off Street RV Carport
Lot Features Farm Gentle Sloping In County Pasture Unincorporated Zoned for Horses
Water Source Well
Lot Size Area 17.8882
Foundation Details Crawlspace
Building Area Total 4936
Lot Size Acres 17.89
Road Surface Type Gravel
Private Pool false
Waterfront Y/N true
Covered Spaces 4
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* Excluded Features
List By
Lpt Realty, Llc

Broker

tyler@gpghome.com

Email

Affordability Calculator

$7,430
Per Month
88%
12%
0%
Monthly Principal & Interest
$6,561
Monthly Property Taxes
$868
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/16/2026$950,000 Listed Price

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41520 CHARM LAKE DRIVE, Umatilla, FL, 32784 is a Single Family Home for sale at $950,000 with 4,936 sqft and a lot size of 17.89. 41520 CHARM LAKE DRIVE has 5 bedrooms, 4.0 baths, and was built in 1979. The property's zip code is 32784 which is in Umatilla, FL