40522 W 5TH AVENUE, UMATILLA, FL, 32784
Active276 days on marketListed Oct 30, 2025MLS #G5102022
About this home
40522 W 5TH AVENUE
Discover this beautifully maintained 3-bedroom, 1-bath home situated on an oversized 0.45-acre corner lot in the heart of Umatilla. From the moment you arrive, the property’s inviting curb appeal sets the tone for refined country living. A large screened-in front patio welcomes you to unwind, creating the perfect transition between indoor comfort and outdoor tranquility. Step inside to find a lovingly cared for interior featuring a renovated bathroom, open living room and a kitchen with newer stainless-steel appliances and an inside utility room. This property features numerous upgrades, including a new roof (2023) and a new septic drain field (2023). Outdoors, the fully fenced yard provides privacy and plenty of space for leisure and entertaining. A large metal carport off the one car garage offers additional covered parking, while multiple storage sheds ensure ample room for tools, lawn equipment, or recreational items. With no HOA and ideally located just minutes from Umatilla you will enjoy the freedom of country living while being within easy reach of shopping and dining and everyday conveniences. Don’t miss this move-in-ready gem and schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
972
Sqft
0.45 ac
Lot size
1
Garage
1989
Year built
One
Levels
$262
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.
$2,022 /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
$2,022/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.
$/sqft vs Umatilla actives
$262 vs $231
Days on market
276 vs 58 typical
Where $262/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 17% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 40522 W 5TH 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$318,000
40751 W 4TH AVENUE · same community
3 bd · 2 ba · 1,162 sqft · $274/sqft · 10 DOM
Sold · Feb ’26$287,500
19402 E 5TH STREET · same community
3 bd · 1 ba · 1,166 sqft · $247/sqft · 49 DOM
Sold · Apr ’26$271,000
40390 W FIRST AVENUE · same community
3 bd · 2 ba · 1,219 sqft · $222/sqft · 33 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 40522 W 5TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40522 W 5TH 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
40522 W 5TH AVENUE FAQs
What would the monthly payment be for 40522 W 5TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,022/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 40522 W 5TH AVENUE?+
The most recent tax bill on record (2024) was $2,979. 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 $254,900, this home is listed about 25% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40522 W 5TH 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
Three things that matter here
01Under the UMATILLA 32784 market on paper
$254,900 is 17% below the UMATILLA 32784 median of $306,900.
02Time on market is leverage
276 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $284,900, now $254,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · John Chiumento. MLS #G5102022.
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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