Under contract-accepting backup offers. Welcome to 20595 SE Hwy 42, Umatilla, FL 32784 – a rare and unique opportunity to own two newly remodeled concrete block homes on 1.17 private, gated acres with no HOA! The main home offers 3 bedrooms, 2 full bathrooms, and 1,770 sq ft of living space, featuring a charming Florida room with original wood paneling, all-new kitchen and bathrooms, granite countertops, and a thoughtful blend of character and modern updates throughout. The roof was replaced just 3 years ago, and the central AC system is only 6 years old. The detached in-law quarters (or guest house) offers an additional 864 sq ft with 1 bedroom, 1 full bathroom, a full kitchen, living room, dining area, and laundry. Nearly the entire guest home has been remodeled, and the seller is completing finishing touches including fresh soffit paint, new stone siding around the entry, and the installation of a brand-new water softener and carbon filter system. Both homes run on well water and septic, and the entire property is fully fenced with a locking gate for privacy and security. With plenty of space for RVs, boats, hot rods, and outdoor toys, the property offers a concrete driveway, mature trees, and a peaceful setting, yet is close to everything! Located just 8 miles from The Villages, you’ll enjoy quick access to endless dining, shopping, golf, and entertainment options. Nearby lakes provide boating and fishing opportunities, and you’re just a short drive to Ocala, Leesburg, and Eustis, with Orlando and Gainesville reachable in about an hour. This is a fantastic opportunity for multi-generational living, rental income potential, or simply enjoying extra space to grow and live freely. Homes like this don’t come along often – schedule your showing today!