40043 W 8TH AVENUE, UMATILLA, FL, 32784
Active680 days on marketListed Sep 21, 2024MLS #G5087378
About this home
40043 W 8TH AVENUE
Back on the market! Welcome to this charming home in a wonderful location just a short distance from North Lake Community Park. No HOA. Featuring a new roof and fresh exterior paint completed in 2024, along with a newer deck and well pump, this property is move-in ready. The home offers 2 bedrooms, 2 bathrooms and 1,388 square feet of living space filled with natural light and beautiful wood beam accents. The spacious great room features tile flooring and a cozy wood-burning fireplace, creating the perfect gathering space. The kitchen provides ample cabinetry and counter space for cooking and entertaining. The primary bedroom and a full bathroom are conveniently located downstairs, while the secondary bedroom and additional full bathroom are upstairs, offering added privacy. Situated on the outskirts of Umatilla, this home provides a peaceful setting while still being approximately 1.5 hours from either Florida coast and about 1 hour from the Orlando International Airport. All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,388
Sqft
0.52 ac
Lot size
1977
Year built
Two
Levels
$202
Per sqft
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.
$2,156 /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
$2,156/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+19.6%
$/sqft vs Umatilla actives
$202 vs $231
Days on market
680 vs 58 typical
Where $202/sqft sits among the 80 Umatilla actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
38 of 80
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 40043 W 8TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$180,000
40907 W 3RD AVENUE · same community
3 bd · 2.5 ba · 1,469 sqft · $123/sqft · 114 DOM
Sold · Dec ’25$334,000
40882 W 5TH AVENUE · same community
3 bd · 2 ba · 1,300 sqft · $257/sqft · 81 DOM
Sold · Dec ’25$295,000
40747 W 2ND AVENUE · same community
3 bd · 2 ba · 1,288 sqft · $229/sqft · 19 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 40043 W 8TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40043 W 8TH AVENUE — 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
40043 W 8TH AVENUE FAQs
What would the monthly payment be for 40043 W 8TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,156/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 40043 W 8TH AVENUE?+
The most recent tax bill on record (2025) was $2,681. 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 $280,000, this home is listed about 18% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40043 W 8TH AVENUE?+
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.
The brief
Four things that matter here
01Under the UMATILLA 32784 market on paper
$280,000 is 9% below the UMATILLA 32784 median of $306,900, and at $202/sqft it sits under the Umatilla average of $259.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
680 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $299,000, now $280,000 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARRISON REAL PROPERTY GROUP · Kim Beisley. MLS #G5087378.
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.
Never miss a listing
New Umatilla homes, in your inbox
Like 40043 W 8TH AVENUE but not quite? A daily digest of every new listing in Umatilla — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →