80 WHITCOMB AVENUE, UMATILLA, FL, 32784
Active92 days on marketListed Apr 23, 2026MLS #G5110477
About this home
80 WHITCOMB AVENUE
Welcome to a beautifully updated home located on a quiet dead-end street in the heart of downtown Umatilla. Positioned on a spacious corner lot, this property offers the privacy, functionality, and upgrades that today’s buyers are actively searching for. Inside, the open floor plan creates a natural flow between the living, dining, and kitchen areas, making the home feel both spacious and connected. The newly updated kitchen serves as the centerpiece, featuring modern finishes, ample counter space, and a layout designed for everyday living and entertaining. Wood-look tile flooring runs throughout the main living areas, providing durability, easy maintenance, and a clean, modern look that holds up to Florida living. Major system updates provide peace of mind, including a newer roof, new septic drain field, and updated windows, helping reduce future maintenance concerns. Step outside to a fully fenced backyard shaded by mature trees, creating a private outdoor space ideal for pets, gatherings, or simply enjoying a quieter setting. The corner lot enhances both space and separation, while the dead-end street minimizes through traffic. Located just minutes from local shops, dining, and nearby areas like Mount Dora, this home offers the balance of small-town charm and everyday convenience. If you’ve been searching for a move-in-ready home with updates, usable outdoor space, and a quiet setting, this one stands out. **Roof 22', new windows 22', drainfield 23', kitchen & appliances 23'**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,662
Sqft
0.37 ac
Lot size
2
Garage
1986
Year built
One
Levels
$214
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.
$2,820 /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
$2,820/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
+24.6%
$/sqft vs Umatilla actives
$214 vs $222
Days on market
92 vs 58 typical
Where $214/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 23% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 80 WHITCOMB AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$313,990
219 AMBERWOOD WAY
4 bd · 2 ba · 1,665 sqft · $189/sqft · 13 DOM
Sold · Apr ’26$304,990
199 AMBERWOOD WAY
4 bd · 2 ba · 1,665 sqft · $183/sqft · 55 DOM
Sold · Mar ’26$304,490
195 AMBERWOOD WAY
4 bd · 2 ba · 1,665 sqft · $183/sqft · 144 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 80 WHITCOMB AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 80 WHITCOMB AVENUE — 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
80 WHITCOMB AVENUE FAQs
What would the monthly payment be for 80 WHITCOMB AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,820/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 80 WHITCOMB AVENUE?+
The most recent tax bill on record (2025) was $4,961. 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 80 WHITCOMB AVENUE?+
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 $355,000, this home is listed about 4% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 80 WHITCOMB AVENUE?+
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 OLYMPUS EXECUTIVE REALTY INC · Bryan Nelson. MLS #G5110477.
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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