976 BEAR HAMMOCK DRIVE, UMATILLA, FL, 32784
Active174 days on marketListed Jan 29, 2026MLS #G5107416
About this home
976 BEAR HAMMOCK DRIVE
Short Sale. BACK ON THE MARKET! NO FAULT OF SELLER. Welcome home to this beautifully 2024 maintained 3-bedroom, 2-bath residence in Umatilla, offering a functional open-concept layout and modern finishes throughout. The spacious great room flows seamlessly into the kitchen and dining area, creating an ideal space for both everyday living and entertaining. The kitchen features quartz countertops, ample cabinetry, and a large island for added prep space and casual seating. The primary suite is thoughtfully designed, complete with a walk-in closet and private en-suite bath. Two additional bedrooms provide flexibility for family, guests, or a home office. Enjoy indoor-outdoor living with a covered lanai, perfect for relaxing evenings or morning coffee. Additional highlights include ceramic tile in main living areas, carpeted bedrooms, a 2-car garage, and energy-efficient construction. Utilities are public, and the community offers desirable amenities including a sparkling pool, dog park and playground, creating a welcoming environment and maintained by the HOA and with a LOW monthly HOA. Seller also has a glass shower enclosure for master bathroom shower, brand new in the box ready for the new homeowner to install and enjoy!! Conveniently located near SR-19, this home provides easy access to local shopping, dining, schools, and outdoor recreation while maintaining a peaceful neighborhood setting. Move-in ready and thoughtfully designed, this is a wonderful opportunity to own a modern home in growing Umatilla. All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,690
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$2,564 /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
$2,564/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
−12.9%
$/sqft vs Umatilla actives
$175 vs $223
Days on market
174 vs 58 typical
Where $175/sqft sits among the 76 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 → $323K
Umatilla median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
42 of 76
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 976 BEAR HAMMOCK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$299,000
13526 FOUNTAINBLEAU DRIVE · same community
3 bd · 2.5 ba · 1,609 sqft · $186/sqft · 125 DOM
Sold · Dec ’25$322,490
166 BULL FROG LANE · same community
4 bd · 2 ba · 1,499 sqft · $215/sqft · 0 DOM
Sold · Feb ’26$315,000
13540 FOUNTAINBLEAU DRIVE · same community
3 bd · 2.5 ba · 1,944 sqft · $162/sqft · 148 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 976 BEAR HAMMOCK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 976 BEAR HAMMOCK 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
976 BEAR HAMMOCK DRIVE FAQs
What would the monthly payment be for 976 BEAR HAMMOCK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,564/mo — principal and interest, the actual property-tax bill, the $61/mo association fee 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.
How much are the HOA fees at 976 BEAR HAMMOCK DRIVE?+
The association fee works out to $61 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 976 BEAR HAMMOCK DRIVE?+
The most recent tax bill on record (2025) was $5,713. 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 976 BEAR HAMMOCK DRIVE?+
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 $295,000, this home is listed about 13% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 976 BEAR HAMMOCK 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.
Keep looking
Similar homes nearby
Listing courtesy of HARRISON REAL PROPERTY GROUP · Brianna Bush. MLS #G5107416.
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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