65 HOWARD STREET, UMATILLA, FL, 32784
Active89 days on marketListed Apr 25, 2026MLS #FC318051
About this home
65 HOWARD STREET
FOUR LOTS IN UMATILLA SOLD TOGETHER. A quiet, historic "Old Florida" town center. The area maintains a nostalgic feel, with many historic structures still in use. Plenty of local eateries and shops to enjoy. Umatilla offers a "sparse suburban" feel, providing a contrast to nearby, more busy cities. While boasting local charm, the town is relatively close to larger amenities in nearby Eustis and Mount Dora. Umatilla is also surrounded by numerous small to medium-sized lakes, with many within 3 miles. Top lakes immediately in or bordering Umatilla include East Lake, Lake Pearl, Lake Umatilla, Lake Enola, and Island Lake. Don't miss this opportunity!
Facts & features
The home at a glance
0.51 ac
Lot size
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.
$1,229 /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
$1,229/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.
Where it sits
Inside Umatilla
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 65 HOWARD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65 HOWARD STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
65 HOWARD STREET FAQs
What would the monthly payment be for 65 HOWARD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,229/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 65 HOWARD STREET?+
The most recent tax bill on record (2025) was $671. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $160,000, this home is listed about 53% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 65 HOWARD STREET?+
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 CHARLES RUTENBERG REALTY ORLANDO · Julie Burger. MLS #FC318051.
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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