20280 SHORELINE RANCH LANE, UMATILLA, FL, 32784
Active129 days on marketListed Mar 27, 2026MLS #O6389874
About this home
20280 SHORELINE RANCH LANE
Build your dream home on this prime vacant lot in Shoreline Ranch, a gated community in Central Florida offering a rare combination of space, privacy, and lake lifestyle. Set on just under an acre, this homesite offers views of Lake Dalhousie from your future front porch! What makes Shoreline Ranch unique is that you don’t have to choose between a neighborhood setting and access to the water. Residents enjoy private access to Lake Dalhousie via a convenient community boat ramp, where this spring-fed, sandy-bottom lake is ideal for boating, fishing, and year-round water sports. This particular lot stands out as one of the most desirable in the community, offering a rare combination of natural beauty and privacy. The rear of the property overlooks a scenic pond, while conservation land along the right side ensures no immediate neighbor. Buyers have the flexibility to build with Precision Builders of Central Florida using thoughtfully designed plans already in place, bring a fully custom design, or work with an approved builder of their choice. Location is also a driver, as Shoreline Ranch is nearby all major conveniences, like: Publix, major dining and restaurants, and downtown Mount Dora. Call today to schedule a private tour.
Facts & features
The home at a glance
0.9 ac
Lot size
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.
$2,105 /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
$2,105/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.
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 → $333K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 20280 SHORELINE RANCH LANE
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$699,900
38805 RANCH GATE BOULEVARD · same community
4 bd · 2 ba · 2,039 sqft · $343/sqft · 284 DOM
Sold · Jun ’26$600,000
37041 N THRILL HILL ROAD
4 bd · 3 ba · 1,941 sqft · $309/sqft · 114 DOM
Sold · Feb ’26$675,000
38901 COUNTY ROAD 44A
3 bd · 2 ba · 2,106 sqft · $321/sqft · 13 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 20280 SHORELINE RANCH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20280 SHORELINE RANCH LANE — 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
20280 SHORELINE RANCH LANE FAQs
What would the monthly payment be for 20280 SHORELINE RANCH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,105/mo — principal and interest, the actual property-tax bill, the $133/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 20280 SHORELINE RANCH LANE?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20280 SHORELINE RANCH LANE?+
The most recent tax bill on record (2025) was $1,614. 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 20280 SHORELINE RANCH LANE?+
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 $265,000, this home is listed about 22% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20280 SHORELINE RANCH LANE?+
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
$265,000 is 14% below the UMATILLA 32784 median of $307,195.
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
129 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6389874.
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 20280 SHORELINE RANCH LANE 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 →