362 LAKE STREET, UMATILLA, FL, 32784
Pending14 days on marketListed Jul 15, 2026MLS #G5115104
About this home
362 LAKE STREET
Virtually Staged. Built in 2021, this 3-bedroom, 2-bath home sits on .40 acres in Umatilla with NO HOA and a fully fenced backyard. No carpet here, LVP flooring runs throughout the entire home, and both bathrooms feature updated tile work. The large primary suite includes a MASSIVE walk-in closet with plenty of storage. The home is also set up as a smart home, allowing you to control the lighting, fans, garage doors, and exterior doors with Alexa, along with an upgraded front door lock that can be controlled directly from your phone. Security cameras are already installed for added protection. In the living room, the projector can be used in place of a traditional TV and connects through HDMI or USB for devices such as a Fire Stick or Roku. The driveway has been extended with pavers on both sides, creating additional parking space. Out back, the porch was expanded and updated to create a huge, fully screened patio with installed fans and lighting. The fenced .40-acre lot also includes a dedicated playground area while still leaving plenty of backyard space to use however you choose. Roof, A/C, and water heater are all 2021. No need to wait on new construction when this home is already built, fenced, upgraded, and ready to go.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,341
Sqft
0.39 ac
Lot size
2
Garage
2020
Year built
One
Levels
$261
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.
$2,772 /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
$2,772/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
+23.2%
Days on market
14 vs 58 typical
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)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
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 362 LAKE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 362 LAKE 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
362 LAKE STREET FAQs
What would the monthly payment be for 362 LAKE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,772/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 362 LAKE STREET?+
The most recent tax bill on record (2025) was $4,767. 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 362 LAKE STREET?+
The listing reports pets: No. 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 362 LAKE 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.
Listing courtesy of LPT REALTY, LLC · Alexis Gibson. MLS #G5115104.
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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