60 OWENS STREET, UMATILLA, FL, 32784
Active15 days on marketListed Jul 9, 2026MLS #G5114849
About this home
60 OWENS STREET
Custom-built in 2018 and offered for the first time, this 3-bedroom, 2-bathroom CBS/stucco residence delivers quality construction, thoughtful design, and exceptional outdoor living on a private, fully fenced third-acre lot in North Umatilla. Framed by mature oaks and a curved concrete drive, the front of this home makes an immediate impression. A private gated entry leads to the backyard, where a custom timber-frame covered pavilion awaits, featuring recessed lighting, dual ceiling fans, and a floor-to-ceiling stone outdoor fireplace. Purpose-built for entertaining, this outdoor living space is a defining feature rarely found at this price point. Inside, vaulted ceilings and an open floor plan connect the great room, anchored by a custom built-in fireplace surround, to the dining area and a well-appointed kitchen featuring custom dark wood cabinetry, dramatic granite countertops, a built-in wine rack, walk-in pantry, and stainless-steel appliances. Dishwasher plumbing is already in place behind the cabinetry, should the new owners wish to add one in the future, the infrastructure is there. The master suite offers a tray ceiling, dual walk-in closets with custom shelving systems, and a spa-inspired en suite bathroom with dual granite vanities, a dedicated vanity station, private water closet, and a floor-to-ceiling tiled walk-in shower with mosaic accent detail. Additional features include tile flooring throughout, Samsung front-load washer and dryer, 2-car garage, no HOA, and no CDD. Owner-built. Never previously listed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,670
Sqft
0.33 ac
Lot size
2
Garage
2018
Year built
One
Levels
$230
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.
$2,928 /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
$2,928/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
+15.6%
$/sqft vs Umatilla actives
$230 vs $220
Days on market
15 vs 58 typical
Where $230/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 Midtown Umatilla
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Umatilla. See the full Umatilla guide →
Midtown Umatilla — neighborhood snapshot
Population
139
Median age
45
Median income
$70,211
Median home value
$252,378
Avg household
2
Households w/ children
20%
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 74
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 60 OWENS STREET
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 · same community
3 bd · 2 ba · 1,599 sqft · $184/sqft · 60 DOM
Sold · Feb ’26$220,000
780 N KENTUCKY AVENUE · same community
2 bd · 2 ba · 1,287 sqft · $171/sqft · 94 DOM
Sold · Sep ’25$205,000
709 DAPHNE AVENUE · same community
2 bd · 1 ba · 1,284 sqft · $160/sqft · 6 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 60 OWENS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 60 OWENS 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
60 OWENS STREET FAQs
What would the monthly payment be for 60 OWENS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,928/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 60 OWENS STREET?+
The most recent tax bill on record (2025) was $3,986. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $384,900, this home is listed about 13% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 60 OWENS STREET?+
Umatilla High School (high), Umatilla Elementary School (elementary), Umatilla Middle School (middle) — 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 · Abel Cruz LLC, JR. MLS #G5114849.
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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