81 TWIN LAKE CIR, UMATILLA, FL, 32784
Active12 days on marketListed Jul 12, 2026MLS #G5114906
About this home
81 TWIN LAKE CIR
Virtually Staged. Beautifully maintained and filled with pride of ownership, this 3-bedroom, 2-bath home is located in the gated 55+ community of Twin Lakes Estates and sits on over half an acre with mature landscaping, inviting outdoor spaces, and a peaceful setting. From the curb appeal to the thoughtfully cared-for interior, this property offers comfort, space, and a well-kept atmosphere in an established gated community. The spacious floor plan features a formal living room, formal dining room, breakfast area, inside laundry room, and a bright Florida room overlooking the backyard. Crown moulding accents the main living areas, adding a polished touch, while wood flooring in the primary bedroom and second bedroom brings warmth and character to the home. The primary suite offers a large walk-in closet and ensuite bathroom, creating a comfortable private retreat. Outdoor living is a highlight of this property, with a Florida room, 16x9 deck, gazebo, and mature landscaping that create multiple spaces to relax, entertain, garden, or simply enjoy the Florida lifestyle. The oversized lot offers room to enjoy the outdoors while still having the benefits of community amenities. Twin Lakes Estates offers gated entry, a community clubhouse with kitchenette, and a swimming pool, adding convenience and value for residents. Well maintained, nicely situated, and offering a flexible floor plan with desirable indoor and outdoor living spaces, this Twin Lakes Estates home is ready for its next owner.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,898
Sqft
0.56 ac
Lot size
2
Garage
2007
Year built
One
Levels
$184
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.
$2,617 /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
$2,617/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
−17.5%
$/sqft vs Umatilla actives
$184 vs $222
Days on market
12 vs 58 typical
Where $184/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)
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 22% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 81 TWIN LAKE CIR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$275,000
106 FAIRWAY CIRCLE · same community
2 bd · 2 ba · 1,805 sqft · $152/sqft · 9 DOM
Sold · Jul ’26$382,000
95 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $212/sqft · 0 DOM
Sold · Jul ’26$375,000
100 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 58 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 81 TWIN LAKE CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 81 TWIN LAKE CIR — 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
81 TWIN LAKE CIR FAQs
What would the monthly payment be for 81 TWIN LAKE CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,617/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 81 TWIN LAKE CIR?+
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 81 TWIN LAKE CIR?+
The most recent tax bill on record (2025) was $2,310. 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 81 TWIN LAKE CIR?+
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 $349,900, this home is listed about 3% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 81 TWIN LAKE CIR?+
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 HANSON REAL ESTATE GROUP, INC. · Leslie Hanson Rotarius. MLS #G5114906.
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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