57 CAYMAN CIRCLE, UMATILLA, FL, 32784
Active2 days on marketListed Jul 17, 2026MLS #G5115183
About this home
57 CAYMAN CIRCLE
WATERFRONT on Lake Mary in Umatilla! Cute 2 bedroom - 1 full & 1 half bath CONCRETE BLOCK home on quarter acre lot! 80 foot deep, 28 acre lake! Known for great fishing and relaxing water activies! Sit on your SCREENED PORCH overlooking this beautiful waterway with a beverage after your work day or coffee in the morning and watch nature wake up! This cute home is move-in ready or update to your taste! Large laudry room. Garage with Door-Opener and service door on the side. A/C 2014 - recently serviced. Roof 2017. Umatilla School District - "A" Rated Schools!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
884
Sqft
0.23 ac
Lot size
1
Garage
1994
Year built
One
Levels
$316
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.
$2,187 /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
$2,187/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.
$/sqft vs Umatilla actives
$316 vs $220
Days on market
2 vs 58 typical
Where $316/sqft sits among the 77 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
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)
44 of 77
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 57 CAYMAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$250,000
51 CAYMAN CIRCLE · same community
2 bd · 1.5 ba · 884 sqft · $283/sqft · 82 DOM
Sold · Apr ’26$143,500
6 CAYMAN CIRCLE · same community
2 bd · 2 ba · 1,000 sqft · $144/sqft · 60 DOM
Sold · Jan ’26$251,000
22 CAYMAN CIRCLE · same community
2 bd · 2 ba · 1,060 sqft · $237/sqft · 34 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 57 CAYMAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 57 CAYMAN CIRCLE — 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
57 CAYMAN CIRCLE FAQs
What would the monthly payment be for 57 CAYMAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,187/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 57 CAYMAN CIRCLE?+
The most recent tax bill on record (2025) was $3,138. 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 57 CAYMAN CIRCLE?+
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 $279,000, this home is listed about 18% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 57 CAYMAN CIRCLE?+
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.
The brief
Three things that matter here
01Under the UMATILLA 32784 market on paper
$279,000 is 5% below the UMATILLA 32784 median of $295,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Umatilla market that averages 58 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Jami Robinson. MLS #G5115183.
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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