89 FARIWAY CIRCLE, UMATILLA, FL, 32784
Active128 days on marketListed Mar 18, 2026MLS #G5109646
About this home
89 FARIWAY CIRCLE
Welcome to this newly built 2024 single-family home located at 89 Fairway Circle in Umatilla, situated within an intimate 55+ community of fewer than 40 homes, offering a quiet and private residential setting. This modern residence features 4 bedrooms, 2 bathrooms, and approximately 1,562 square feet of thoughtfully designed living space, positioned on a spacious lot of over 10,000 square feet. Inside, the home features a bright and open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating an ideal space for both entertaining and everyday living. Large windows allow natural light to flow throughout the home, enhancing the open feel of the main living areas. The kitchen is designed with both style and functionality in mind, featuring modern cabinetry, stainless steel appliances, and ample counter space while remaining open to the main living and dining areas. The primary suite offers a comfortable and private retreat with a spacious bedroom, private bathroom, and generous closet space. Three additional bedrooms provide flexibility for guests, a home office, or additional living space. High ceilings throughout the home contribute to the bright and spacious feel of the interior. Additional features include ceiling fans, an interior laundry area, and a two-car attached garage with convenient access to the main living areas. Outside, the property sits on a lot offering plenty of space for outdoor living, gardening, or enjoying the Florida lifestyle. The expansive yard provides room for outdoor activities while maintaining a sense of privacy. Located in Umatilla in Lake County, the home offers convenient access to local schools, parks, and nearby lakes, while still being within a short drive to Mount Dora, Eustis, and the greater Orlando area. With its modern construction, spacious layout, and location within a small and peaceful 55+ community, this property offers a unique opportunity for buyers seeking low-density living in Central Florida. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,562.9
Sqft
0.23 ac
Lot size
2
Garage
2024
Year built
One
Levels
$240
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.
$2,647 /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
$2,647/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
+8%
$/sqft vs Umatilla actives
$240 vs $220
Days on market
128 vs 58 typical
Where $240/sqft sits among the 74 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)
41 of 74
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 89 FARIWAY CIRCLE
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$295,000
793 N KENTUCKY AVENUE
3 bd · 2 ba · 1,599 sqft · $184/sqft · 60 DOM
Sold · Dec ’25$320,000
382 LAKE STREET
4 bd · 2 ba · 1,618 sqft · $198/sqft · 22 DOM
Sold · Jul ’26$355,000
40407 W 8TH AVENUE
4 bd · 2 ba · 1,644 sqft · $216/sqft · 170 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 89 FARIWAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 89 FARIWAY CIRCLE — 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
89 FARIWAY CIRCLE FAQs
What would the monthly payment be for 89 FARIWAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,647/mo — principal and interest, the actual property-tax bill, the $50/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 89 FARIWAY CIRCLE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 89 FARIWAY CIRCLE?+
The most recent tax bill on record (2025) was $757. 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 89 FARIWAY CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $375,000, this home is listed about 10% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 89 FARIWAY CIRCLE?+
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
01Positioned at the premium end
$375,000 runs 30% above the UMATILLA 32784 median.
02Time on market is leverage
128 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 $440,000, now $375,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Edalys Ramos. MLS #G5109646.
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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