104 TURTLE RUN, UMATILLA, FL, 32784
Active171 days on marketListed Jan 30, 2026MLS #O6378059
About this home
104 TURTLE RUN
Welcome to this beautifully maintained 3-bedroom, 2-bath home in the desirable Umatilla Veterans Village, formerly known as Cottages at Waters Edge, a 55+ community. Built in 2018, this home offers a bright, open floor plan, neutral finishes, and a functional layout designed for easy, low-maintenance living. The kitchen overlooks the main living area and features ample cabinetry, a breakfast bar, and space for gathering and entertaining. The primary suite includes a private bath and generous closet space, while the split-bedroom design provides flexibility for guests, hobbies, or a home office. Enjoy the best of Florida living from both the front and back of the home. The front porch offers peaceful lake views with access to Lake Enola, while the screened-in patio provides a private space to relax or entertain year-round. Priced at $292,500, this home is a standout opportunity as one of the few 3-bedroom options in the community, offering more space and functionality than nearby smaller homes. With low HOA fees, newer construction, and a quiet community setting, this property is ideal for buyers seeking comfort, convenience, and value. Conveniently located near shopping, dining, and major roadways, schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,329
Sqft
0.14 ac
Lot size
1
Garage
2018
Year built
One
Levels
$220
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.
$2,239 /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
$2,239/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
+2.2%
$/sqft vs Umatilla actives
$220 vs $222
Days on market
171 vs 58 typical
Where $220/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 Gateway South Umitilla
Drive times from this address
Get to know Umatilla. See the full Umatilla guide →
Gateway South Umitilla — neighborhood snapshot
Population
105
Median age
51
Median income
$69,908
Median home value
$238,756
Avg household
2
Households w/ children
10%
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)
43 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 1% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 TURTLE RUN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$227,000
106 TURTLE RUN · same community
2 bd · 2 ba · 1,210 sqft · $188/sqft · 147 DOM
Sold · May ’26$245,000
110 TURTLE RUN · same community
2 bd · 2 ba · 1,184 sqft · $207/sqft · 112 DOM
Sold · Apr ’26$300,000
1060 BEAR HAMMOCK DRIVE
3 bd · 2 ba · 1,328 sqft · $226/sqft · 19 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 104 TURTLE RUN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 TURTLE RUN — 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
104 TURTLE RUN FAQs
What would the monthly payment be for 104 TURTLE RUN?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,239/mo — principal and interest, the actual property-tax bill, the $200/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 104 TURTLE RUN?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 TURTLE RUN?+
The most recent tax bill on record (2025) was $332. 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 104 TURTLE RUN?+
The listing reports pets: Breed Restrictions. 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 $292,500, this home is listed about 14% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 104 TURTLE RUN?+
Umatilla High School (high), Umatilla Middle School (middle), 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
01Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
02Time on market is leverage
171 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,999, now $292,500 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Carl Bazelais. MLS #O6378059.
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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