37315 BEACH DRIVE, UMATILLA, FL, 32784
Active189 days on marketListed Jan 15, 2026MLS #G5106786
About this home
37315 BEACH DRIVE
Located at 37315 Beach Drive in Umatilla, this property offers a unique opportunity for someone looking to renovate and create something special making it ideal for a buyer ready to take on a project and bring their own vision to life. Set amongst oaks and pines, the property backs up to a small, private lake. With selective clearing, the land could offer a serene water view and a peaceful outdoor setting. The lot provides plenty of space to enjoy nature, privacy, and the quiet surroundings Umatilla is known for. The neighborhood is tight-knit and friendly, adding to the appeal for those seeking a sense of community along with room to spread out. This is a great opportunity for investors, renovators, or buyers looking for a property with strong potential in a desirable rural setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,032
Sqft
0.25 ac
Lot size
1984
Year built
One
Levels
$123
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.
$1,850 /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
$1,850/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
−40.5%
Days on market
189 vs 58 typical
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)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
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 37315 BEACH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37315 BEACH DRIVE — 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
37315 BEACH DRIVE FAQs
What would the monthly payment be for 37315 BEACH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,850/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 37315 BEACH DRIVE?+
The most recent tax bill on record (2025) was $1,298. 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 37315 BEACH DRIVE?+
The listing reports pets: No. 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 $250,000, this home is listed about 26% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37315 BEACH DRIVE?+
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
$250,000 is 14% below the UMATILLA 32784 median of $290,000, and at $123/sqft it sits under the Umatilla average of $259.
02Time on market is leverage
189 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 $275,000, now $250,000 — a $25K cut. The full history is in the market section below.
Listing courtesy of EXIT REALTY TRI-COUNTY · Jaret Whitney. MLS #G5106786.
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.
Never miss a listing
New Umatilla homes, in your inbox
Like 37315 BEACH DRIVE but not quite? A daily digest of every new listing in Umatilla — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →