David Ramirez
$398,900$498,999$2,844 /mo all-in ↓

YALE HAMMOCK ROAD, UMATILLA, FL, 32784

Active324 days on marketListed Sep 3, 2025MLS #G5101325

Reduced $100K

About this home

YALE HAMMOCK ROAD

Virtually Staged. Virtually enhanced rendering showing one potential homesite layout. Home, fencing, and improvements do not exist. BUT ABSOLUTLEY CAN BE DONE HERE!! This 10-acre parcel offers the rare combination of privacy, flexibility, and long-term value in Lake County. Zoned Agricultural (A) and located within county limits, this property allows for single-family homes, mobile homes, manufactured homes, modular homes, barndominiums, and accessory dwelling units (ADUs), making it ideal for a wide range of buyers and future plans. The land consists of approximately 7.5 acres of high and dry, buildable ground, with the remaining 2.5 acres preserved as natural marshland, creating a peaceful buffer and ensuring privacy now and in the future. The property backs up to orange groves and Lake Yale, offering a quiet setting with no rear neighbors and protection from overdevelopment. Access is provided by a clay/dirt road that connects directly to CR 450, with electric nearby. There is no HOA and no deed restrictions, giving buyers freedom to build and use the land as they choose. Lake County typically allows one residence per 5 acres, creating potential to parcel the property into two separate buildable lots, subject to county approval. Conveniently located just 20 minutes to grocery stores and everyday amenities, and 10 minutes to local A-rated schools, this property offers rural living without sacrificing accessibility. Zoning: Agricultural (A) Utilities: Electric nearby, well and septic needed Road Access: Clay/dirt road with direct connection to CR 450 Whether you’re planning a private homestead, multi-generational living, investment hold, or future development, this property provides the space, flexibility, and location to make it happen.

Facts & features

The home at a glance

10.5 ac

Lot size

Trees/Woods view

Inside

Outside & construction

ViewTrees/Woods
FacesNorth

Community & fees

Taxes (2024)$1,912/yr

Utilities & systems

UtilitiesElectrical Nearby · Electricity Available
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,844 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,348
FHA mortgage insurance (est.)$176
Property tax — 2024 actual bill$159
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,962Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,962
Interest rate6.00%
Loan term

Estimated payment

$2,844/mo

Principal & interest$2,348
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$159
Est. insurance$160

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

Map of YALE HAMMOCK ROAD

Drive times from this address

Downtown Orlando69 min
Universal Orlando72 min

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

MiddleUmatilla Middle School★★★★★
HighUmatilla High School★★★★★
ElementaryUmatilla Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Umatilla market

Seller’s marketBalanced5.2 months of inventoryBuyer’s 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 39% above the UMATILLA 32784 median. See the full Umatilla market guide →

Paper trail

This home's history

CurrentPrice reduced to $398,900 $100K
Sep 3, 2025Listed at $498,999 · 324 days on market since

Reality check

What actually sold near YALE HAMMOCK ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

14301 LAKE YALE ROADSold · Sep ’25

$548,000

14301 LAKE YALE ROAD

4 bd · 3 ba · 2,022 sqft · $271/sqft · 86 DOM

14243 COUNTY ROAD 450Sold · Oct ’25

$1,050,000

14243 COUNTY ROAD 450

4 bd · 3 ba · 2,465 sqft · $426/sqft · 18 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about YALE HAMMOCK ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for YALE HAMMOCK ROAD — 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.

Goes straight to David’s phone and CRM.

Straight answers

YALE HAMMOCK ROAD FAQs

What would the monthly payment be for YALE HAMMOCK ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,844/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 YALE HAMMOCK ROAD?+

The most recent tax bill on record (2024) was $1,912. 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 $398,900, this home is listed about 17% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to YALE HAMMOCK ROAD?+

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

01Positioned at the premium end

$398,900 runs 39% above the UMATILLA 32784 median.

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

324 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 $498,999, now $398,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of LPT REALTY, LLC · Alexis Gibson. MLS #G5101325.

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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