
13400 COUNTY ROAD 450, UMATILLA, FL, 32784
Active245 days on marketListed Nov 21, 2025MLS #G5104702
About this home
13400 COUNTY ROAD 450
Discover the ultimate Florida lifestyle in this 3-bedroom, 2-bath lakefront sanctuary in charming Umatilla. Perfectly positioned on over one acre of property, this home is an ideal retreat for families, retirees, and nature lovers alike. Situated about 35-40 feet above the lake. UNRIVALED VIEWS: Wake up to breathtaking lake views from your primary bedroom and enjoy spectacular sunsets from the spacious living area, one guest room, and the expansive, huge deck. The 3rd Bedroom has park like views of the front yard. GOURMET KITCHEN: Designed for entertaining, the chef’s kitchen features stunning granite countertops and a beautiful, oversized island—the perfect gathering spot. LUXURY INTERIOR: Enjoy a bright, airy feel with high ceilings, elegant , granite topped, tall vanities in the baths, the primary featuring double sinks and energy-efficient double-pane windows, throughout the home. Discover the ultimate Florida lifestyle in this 3-bedroom, 2-bath lakefront sanctuary in charming Umatilla. Custom-built by renowned builder Craig Hegstrom—known for his million-dollar luxury homes—this property is perfectly positioned on over one acre and offers an ideal retreat for families, retirees, and nature lovers alike. Situated about 35–40 feet above the lake, it provides ultimate peace of mind. UNRIVALED VIEWS: Wake up to breathtaking lake views from your primary bedroom and enjoy spectacular sunsets from the spacious living area, one guest room, and the expansive, huge deck. The 3rd bedroom features park-like views of the front yard. GOURMET KITCHEN: Designed for entertaining, the chef’s kitchen features stunning granite countertops and a beautiful, oversized island—the perfect gathering spot. LUXURY INTERIOR: Enjoy a bright, airy feel with high ceilings, elegant, granite-topped, tall vanities in the baths (the primary featuring double sinks), and energy-efficient double-pane windows throughout the home. DURABLE & EFFICIENT: Built with strong concrete block and stucco construction. Practical features include an indoor laundry room with a sink that doubles as an overflow pantry right off the kitchen. NATURAL CHARM & EFFICIENCY: The property is beautifully framed by majestic, mature oak trees, offering deep shade and a serene, park-like setting right to the water's edge. This natural shade, combined with the home's energy-efficient construction, ensures remarkably low utility costs. LOW COST OF OWNERSHIP: Enjoy the freedom of highly affordable living with absolutely no HOA fees, lower county property taxes, and no water or sewer bills thanks to the private well and septic system. PREMIER PROXIMITY: Located just minutes from the pristine Ocala National Forest, this home is a paradise for outdoor enthusiasts, offering world-class kayaking, canoeing, riding, and hiking trails right at your doorstep. Quick 2 miles to the Holly chain of lakes boat ramp. Only an hour to the East coast beaches and 2 hours to the West coast. 20 minutes to The Villages and less than 10 minutes to downtown Umatilla. This is more than a home; it’s a rare opportunity to own a high-caliber, custom lakefront paradise with unbeatable everyday affordability.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,508
Sqft
1.39 ac
Lot size
2019
Year built
One
Levels
$304
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.
$3,347 /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
$3,347/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
+36.5%
$/sqft vs Umatilla actives
$304 vs $220
Days on market
245 vs 58 typical
Where $304/sqft sits among the 73 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)
40 of 73
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 13400 COUNTY ROAD 450
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$145,000
17080 SE 252ND AVENUE
3 bd · 2 ba · 1,528 sqft · $95/sqft · 221 DOM
Sold · Jun ’26$235,000
17000 SE 251ST TERRACE
4 bd · 2 ba · 1,399 sqft · $168/sqft · 177 DOM
Sold · Jun ’26$150,000
17285 SE 248TH TERRACE
3 bd · 2 ba · 1,350 sqft · $111/sqft · 25 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 13400 COUNTY ROAD 450 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13400 COUNTY ROAD 450 — 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
13400 COUNTY ROAD 450 FAQs
What would the monthly payment be for 13400 COUNTY ROAD 450?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,347/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 13400 COUNTY ROAD 450?+
The most recent tax bill on record (2025) was $3,463. 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 $458,000, this home is listed about 35% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13400 COUNTY ROAD 450?+
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
$458,000 runs 59% above the UMATILLA 32784 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
245 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 $500,000, now $458,000 — a $42K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Barry Blake. MLS #G5104702.
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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