40145 W 7TH AVENUE, UMATILLA, FL, 32784
Active86 days on marketListed Apr 29, 2026MLS #G5111741
About this home
40145 W 7TH AVENUE
Welcome home to space, comfort, and room to grow in the county! Not far from town. Situated on a vast 1.45 acres, this lovely 4-bedroom, 2 1/2-bathroom home offers the ideal balance of daily convenience and seclusion. You will adore the home's layout and tranquil outdoor setting, with ample space for family, guests, and entertaining. There is a sizable patio and picnic area in the backyard for entertaining. With spacious living spaces and a practical design. The house has recently undergone renovations. Perfect for families or anyone who just requires additional space. The house features a separate dining area and a large, roomy living room with a vaulted ceiling and a beautiful rock, wood-burning fireplace. Updated breakfast nook and kitchen. There are high-rise toilets in every bathroom. In addition, the house has a fenced-in backyard, a 1-30 amp RV plug on the north side, and a 1-50 amp RV plug on the south side. An additional storage shed and a shop. Plenty of space for your boats, RVs, and other belongings. Possibly room for a mini farm, animals, or garden. Enjoy the sunroom that leads outback to your huge yard for entertaining. The air conditioner is only about five years old, a new water heater is six months old, and a new roof was installed in May 2025. The county park, where family activities take place, is directly across from the house. Play sports, ride bikes, spend time on the trails, or just observe. All grade schools are within a mile or so away from the house. Minutes away from the local springs and Ocala National Forest. Only 45-60 minutes away from beaches or the city of Orlando. Schedule a visit to see this incredible house and everything in it. Some pictures are virtually staged.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,347
Sqft
1.45 ac
Lot size
2
Garage
1990
Year built
One
Levels
$256
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.
$3,844 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,844/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Umatilla actives
$256 vs $220
Days on market
86 vs 58 typical
Where $256/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 109% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 40145 W 7TH AVENUE
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$279,000
40533 E 8TH AVENUE · same community
3 bd · 3 ba · 1,792 sqft · $156/sqft · 46 DOM
Sold · Aug ’25$314,000
40630 E EIGHTH AVENUE · same community
4 bd · 2 ba · 1,644 sqft · $191/sqft · 226 DOM
Sold · Mar ’26$339,900
40325 W 7TH AVENUE · same community
4 bd · 2 ba · 1,644 sqft · $207/sqft · 77 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 40145 W 7TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40145 W 7TH 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
40145 W 7TH AVENUE FAQs
What would the monthly payment be for 40145 W 7TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,844/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 40145 W 7TH AVENUE?+
The most recent tax bill on record (2025) was $2,669. 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 40145 W 7TH 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 $599,900, this home is listed about 76% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40145 W 7TH 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 COLDWELL BANKER VANGUARD EDGE · Christina Nelson. MLS #G5111741.
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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