1 / 1

$950,000

41520 Charm Lake DriveUmatilla, FL 32784

Listing updated: October 28, 2026 at 2:09 PM ET

Active

Listing courtesy of Lpt Realty, Llc · Tyler Gibson LLC · MLS #O6449945 · Active · 877-366-2213

Beds

Baths

4,936

Sq Ft

17.89

Acres

1979

Built

◆Waterfront◆Water access◆In-law suite◆Fireplace◆17.89 acres◆$192/sqft

Single Family Residence

Property type

1979

Year built

779,208 sqft

Lot size

$192

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

Flood zone

About this home

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.

Estimated monthly payment

Principal & interest$4,804

Property taxes$868

Home insurance (est.)$435

Down payment

20%

$190,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history12 days on market

Status: Active
Oct 16, 2026
Listed$950,000
Oct 16, 2026

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Flood DisclosurePDFView / Download ↓

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 12
Subdivision: Dream Lake Poultry Ranches
County: Lake
Year built: 1979
Living area: 4,936 sq ft
Price/sq ft: $192
Lot size: 779,208 sq ft
Lot category: 10 to less than 20
Flood zone: X
Garage: 2 spaces
Annual taxes: $10,421 (2025)
Parcel #: 05-18-26-0100-00C-01300
Zoning: A
MLS #: O6449945

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Interior Details

Bedrooms: 5
Full bathrooms: 4
Flooring: Ceramic Tile
Appliances: Built-In Oven, Dishwasher, Dryer, Range, Refrigerator, Washer
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), Vaulted Ceiling(s)
Laundry: Electric Dryer Hookup, Inside, Washer Hookup
Stories / Levels: One
Direction faces: East
Fireplace: Yes
In-law suite: Yes

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: No
Parking features: Circular Driveway, Covered, Guest, Off Street, RV Carport
Carport: Yes

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Min lease term: 1-7 Days
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: RV Hookup
Construction materials: Frame
Roof: Shingle
Foundation: Crawlspace
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Gravel

Utilities

Sewer: Septic Tank
Water source: Well
Utilities: BB/HS Internet Available, Electricity Connected

Room Details

Room	Level	Dimensions
Great Room
Kitchen
Dining Room
Primary Bedroom
Primary Bathroom
Bedroom 2
Bedroom 3

Listing Details

Listing date: 2026-10-14
On market date: 2026-10-16
Original list price: $950,000
Occupant type: Vacant
MLS area: 32784 - Umatilla / Dona Vista
Listing AOR: Orlando Regional
Status changed: 2026-10-16
Tax 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

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

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.

More homes like this

ActiveSingle Family Residence360°

$599,900

2430 W County Road 44

Eustis, FL 32726

3 bd · 2 ba · 2,220 sqft

Eustis Tropical Shore

MLS ID #G5116931, VANGIE BERRY SIGNATURE REALTY.

Listing provided by Stellar MLS

ActiveSingle Family Residence360°

$695,000

37011 Lake Yale Pl

Grand Island, FL 32735

4 bd · 4 ba · 2,975 sqft

South Lake Yale Shores

MLS ID #G5119476, EXIT REALTY TRI-COUNTY.

Listing provided by Stellar MLS

Active360°

$968,000

1060 Duck Box Rd

Umatilla, FL 32784

6.06 acres

Gateway Commerce Center

MLS ID #G5113041, RLW REALTY.

Listing provided by Stellar MLS

Active360°

$800,000

0 Forest 02, #3, Se 150th St

Umatilla, FL 32784

40 acres

MLS ID #G5115246, BHHS FLORIDA REALTY.

Listing provided by Stellar MLS

Call Schedule a tour

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of October 28, 2026 at 2:09 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA