18015 Palm St 
Umatilla, FL 32784

* Seller Motivated – USDA Eligible!* Don’t miss this spacious 3-bedroom, 2-bath block home situated on a desirable corner lot in Umatilla! Offering over 1,700 sq ft of air-conditioned living space, this property combines comfort, function, and value. Key upgrades include a *new roof (2018)*, *updated plumbing (2007)*, and *A/C system (2008)*—providing peace of mind for years to come. The home features *city water and septic*, plus a *fully fenced yard* with *utility shed equipped with electricity*, ideal for extra storage, hobbies, or a workshop. The garage has been converted into additional living space, adding flexibility for a home office, gym, or bonus room—but can easily be converted back if desired. Enjoy *deeded access to a large, spring-fed lake*, perfect for fishing, kayaking, or simply enjoying the outdoors. With **no HOA**, this home offers both freedom and opportunity—whether you're a first-time buyer, growing family, or investor. Conveniently located near local schools, parks, and amenities. Schedule your private showing today!