16635 COUNTY ROAD 450, UMATILLA, FL, 32784
Active302 days on marketListed Sep 24, 2025MLS #O6346783
About this home
16635 COUNTY ROAD 450
Escape to your own private retreat at 16635 County Road 450 in Umatilla, FL. This unique Spanish-style home sits on 7.5 acres of beautiful land, offering both privacy and room to spread out. With Crescent Lake right in your backyard, you’ll enjoy direct access to one of Central Florida’s hidden gems. Crescent Lake is spring-fed, perfect for swimming, skiing, and a variety of water sports. The property includes its own dock, where you can take in peaceful water views, watch the sunrise, see the seaplanes take off and land or enjoy the abundant wildlife that surrounds the area. The home features classic Spanish-style architecture with charming details that set it apart. A newer metal roof, AC units and septic system. A 2-car carport provides convenient parking, and the property also includes a detached workshop with endless possibilities. This space could easily be converted into a mother-in-law suite, home office, or guest quarters, adding flexibility to the property. Whether you’re looking for a full-time residence or a weekend getaway, this home delivers the best of both worlds—plenty of land for privacy and outdoor activities, along with the luxury of lakefront living. From boating and fishing to simply relaxing by the water, this property is ideal for anyone who loves the outdoors. With 7.5 acres, there’s room for gardening, hobbies, or even small animals, making it a true homestead with modern conveniences. This home recently appraised for more than asking price, so you'll have instant equity! If you’ve been dreaming of a home that combines acreage, water access, and a one-of-a-kind architectural style, this is a rare opportunity you don’t want to miss. 16635 County Road 450 isn’t just a house—it’s a lifestyle on Crescent Lake.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,106
Sqft
7.5 ac
Lot size
1977
Year built
One
Levels
$222
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.
$4,418 /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
$4,418/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.
vs edgeAI estimate
−12.5%
$/sqft vs N/A
$222 vs $288
Days on market
302 vs 58 typical
Where $222/sqft sits among the 227 homes for sale in N/A
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)
106 of 227
N/A have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 16635 COUNTY ROAD 450
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,275,000
16422 SPRING VALLEY ROAD · same community
4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 DOM
Sold · Dec ’25$950,000
4701 NE JACKSONVILLE ROAD · same community
5 bd · 4 ba · 3,320 sqft · $286/sqft · 130 DOM
Sold · Dec ’25$573,000
2202 OLD TAVARES ROAD · same community
4 bd · 4.5 ba · 3,337 sqft · $172/sqft · 109 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 16635 COUNTY ROAD 450 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16635 COUNTY ROAD 450 — 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
16635 COUNTY ROAD 450 FAQs
What would the monthly payment be for 16635 COUNTY ROAD 450?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,418/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 16635 COUNTY ROAD 450?+
The most recent tax bill on record (2024) was $3,312. 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 $690,000, this home is listed about 103% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 16635 COUNTY ROAD 450?+
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
Four things that matter here
01Positioned at the premium end
$690,000 runs 138% above the UMATILLA 32784 median — but at 3,106 sqft it's also nearly twice the size of the typical Umatilla listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
302 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $795,000, now $690,000 — a $105K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REALTY TRI-COUNTY · Emily Demeter. MLS #O6346783.
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.
Never miss a listing
New Umatilla homes, in your inbox
Like 16635 COUNTY ROAD 450 but not quite? A daily digest of every new listing in Umatilla — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →