20621 SE HIGHWAY 42, UMATILLA, FL, 32784
Active210 days on marketListed Jan 6, 2026MLS #G5106110
About this home
20621 SE HIGHWAY 42
Opportunity to complete this cute property to your own taste. The big ticket items have been done with a new Electrical box/panel and new roof. There are no fixtures in bathroom or kitchen, so it is ready for you to design. This is a cute property with fruit trees, mature landscaping and fence. The property is fully fenced with a gate across drive way to separate from Hwy 42. Home needs work, but this is a great opportunity for an affordable property for someone handy. Most of the demo work has been completed, so it is ready for your installations. Large carport with workshop at the back.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,218
Sqft
0.37 ac
Lot size
1961
Year built
One
Levels
$103
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.
$1,013 /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
$1,013/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
$103 vs $231
Days on market
210 vs 48 typical
Where $103/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
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 → $333K
Umatilla median sold, yr/yr
96.9%
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 59% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 20621 SE HIGHWAY 42
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$190,000
20845 SE 157TH STREET · same community
3 bd · 3 ba · 1,874 sqft · $101/sqft · 3 DOM
Sold · Mar ’26$195,000
20735 SE HIGHWAY 42
3 bd · 1 ba · 1,150 sqft · $170/sqft · 17 DOM
Sold · Nov ’25$151,000
20921 SE 157TH STREET
2 bd · 1.5 ba · 864 sqft · $175/sqft · 326 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 20621 SE HIGHWAY 42 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20621 SE HIGHWAY 42 — 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
20621 SE HIGHWAY 42 FAQs
What would the monthly payment be for 20621 SE HIGHWAY 42?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,013/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 20621 SE HIGHWAY 42?+
The most recent tax bill on record (2025) was $740. 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 20621 SE HIGHWAY 42?+
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 $125,000, this home is listed about 67% below the Umatilla median of $374,500. The market section on this page shows how the area is trending.
Which schools are assigned to 20621 SE HIGHWAY 42?+
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
$125,000 is 59% below the UMATILLA 32784 median of $307,490, and at $103/sqft it sits under the Umatilla average of $291.
02Time on market is leverage
210 days on market against a Umatilla median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $150,000, now $125,000 — a $25K cut. The full history is in the market section below.
Listing courtesy of ERA GRIZZARD REAL ESTATE · Vada Taylor. MLS #G5106110.
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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