475 GUERRANT STREET, UMATILLA, FL, 32784
Active205 days on marketListed Dec 31, 2025MLS #G5105634
About this home
475 GUERRANT STREET
This MID-CENTURY MODERN brick home offers TIMELESS CHARACTER and STYLE of LAKEFRONT LIVING set on .97 ACRE with 145 feet on Lake Enola in Umatilla. Built in 1954, carefully designed to capture lake, pool, and outdoor VIEWS from nearly every room. ORIGINAL recently refinished WOOD FLOORS, abundant windows with wood blinds and OVERSIZED hurricane resistant sliding glass doors fill the home with natural light and breathtaking scenes. The layout is well suited for entertaining or quiet mornings with coffee on the back deck or inside the screened pool area. The kitchen features granite counters, wood cabinetry, and stainless-steel appliances. An indoor utility room includes inside laundry, a utility sink, and a spacious pantry leading to the air conditioned 2 1/2 car garage. The fully fenced LAKEFRONT BACKYARD offers BASS fishing from your DOCK, blooming AZALEAS, hibiscus, gardenia and magnolia; a generous space for gardening or outdoor enjoyment. Additional features include the garage half bath, CONCRETE ROOF TILES, a 100-sq-ft workshop/storage building, 200-amp electrical service with updated panels, a one-year American Home Shield Home Essentials Warranty provided by the seller, city water and sewer. The property offers a peaceful, country feel while remaining within walking distance to downtown Umatilla. HVAC 2020, electrical 2015. About 20 min to The Villages to the west or the Lake County expressway extension to the southeast. By Appointment only – so Call to make one!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,378
Sqft
0.97 ac
Lot size
2
Garage
1954
Year built
One
Levels
$235
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.
$4,172 /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
$4,172/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
−40.8%
$/sqft vs N/A
$235 vs $288
Days on market
205 vs 58 typical
Where $235/sqft sits among the 227 homes for sale in N/A
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)
104 of 227
N/A have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 94% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 475 GUERRANT STREET
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$254,000
Carr 156 KM 12.1 INT BO. PALO HINCADO · same community
5 bd · 2.5 ba · 2,510 sqft · $101/sqft · 79 DOM
Sold · Dec ’25$530,000
4933 ROUND LAKE ROAD · same community
3 bd · 2.5 ba · 2,632 sqft · $201/sqft · 111 DOM
Sold · Dec ’25$384,900
1489 COUNTY ROAD 228 · same community
3 bd · 2 ba · 2,097 sqft · $184/sqft · 137 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 475 GUERRANT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 475 GUERRANT 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
475 GUERRANT STREET FAQs
What would the monthly payment be for 475 GUERRANT STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,172/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 475 GUERRANT STREET?+
The most recent tax bill on record (2025) was $5,758. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 475 GUERRANT STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Umatilla?+
At $558,000, this home is listed about 64% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 475 GUERRANT 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.
The brief
Four things that matter here
01Positioned at the premium end
$558,000 runs 94% above the UMATILLA 32784 median — but at 2,378 sqft it's also 43% larger than the typical Umatilla listing.
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
205 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 $640,000, now $558,000 — a $82K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Mary Jo Williams. MLS #G5105634.
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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