17923 FLORIDA STREET, UMATILLA, FL, 32784
Active99 days on marketListed Apr 16, 2026MLS #G5111010
About this home
17923 FLORIDA STREET
Beautifully Maintained Home on Spacious Corner Lot in Silver Beach Heights Welcome to this well-maintained 3-bedroom, 2-bathroom home nestled on a generous corner lot in the desirable Silver Beach Heights community of Umatilla. Offering both comfort and functionality, this home is move-in ready and full of charm. Step inside to find luxury vinyl plank flooring throughout, providing a modern look with durability and easy maintenance. The thoughtfully designed layout features spacious living areas and a bright Florida room perfect for relaxing, entertaining, or enjoying views of the backyard. The outdoor space offers mature landscaping, a spacious yard ideal for gatherings, and a peaceful setting to unwind and a storage shed. Conveniently located near Lake Billy Boo Hoo and local amenities, this home blends quiet living with everyday convenience. Please note: The adjacent lot next door is owned by the seller but is not included in this sale and is being offered separately. Don’t miss your opportunity to own this move-in ready home schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,596
Sqft
0.32 ac
Lot size
1
Garage
1960
Year built
One
Levels
$187
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.
$2,321 /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
$2,321/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
−0.7%
$/sqft vs Umatilla actives
$187 vs $222
Days on market
99 vs 58 typical
Where $187/sqft sits among the 73 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 73
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 17923 FLORIDA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$292,000
18015 PALM STREET · same community
3 bd · 2 ba · 1,724 sqft · $169/sqft · 57 DOM
Sold · Jan ’26$255,000
18015 BEACH STREET · same community
3 bd · 2 ba · 1,440 sqft · $177/sqft · 156 DOM
Sold · Mar ’26$380,000
41348 SILVER DRIVE · same community
3 bd · 2 ba · 1,776 sqft · $214/sqft · 109 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 17923 FLORIDA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17923 FLORIDA STREET — 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
17923 FLORIDA STREET FAQs
What would the monthly payment be for 17923 FLORIDA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,321/mo — principal and interest, the actual property-tax bill, the $4/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 17923 FLORIDA STREET?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17923 FLORIDA STREET?+
The most recent tax bill on record (2025) was $3,169. 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 17923 FLORIDA STREET?+
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 $299,000, this home is listed about 12% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 17923 FLORIDA STREET?+
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 BHHS FLORIDA REALTY · Dawn Bush. MLS #G5111010.
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 17923 FLORIDA STREET 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 →