23100 SE HIGHWAY 42, UMATILLA, FL, 32784
Active121 days on marketListed Apr 2, 2026MLS #O6395337
About this home
23100 SE HIGHWAY 42
An estate home quietly set off a private drive for added privacy on 11.27 acres near Umatilla, FL. Featuring five bedrooms, five ensuite bathrooms, plus two half baths, this home welcomes you to tranquility among mature oak trees, pastures, and an expansive front porch where you can relax and enjoy the swing. As you walk in, you are greeted by a beautifully updated home with 3,879 sq ft of living space and over 7,300 sq ft under roof. This home was extensively renovated in 2021 with a new roof, PEX plumbing, and premium flooring throughout. The kitchen and all five ensuite bathrooms are modern and thoughtfully designed. The primary suite offers true luxury, featuring built-in closets and a cozy sitting area. The ensuite bathroom is elegant, with double sinks, lighted mirrors, a walk-in shower with multiple shower heads, a private water closet, and a custom walk-in closet. The chef’s kitchen features a six-burner propane stove with a pot filler, a dedicated coffee bar, farmhouse sink, stainless steel appliances, and beautiful Calacatta quartz countertops with a large island where guests can gather. This open-concept home flows seamlessly into the living room, complete with a fully functional wood-burning fireplace, double sliding glass doors, and views of the pool and lanai area. Outside, you’ll find a 9-foot-deep sparkling pool with a rock water feature. Step into the family room, slightly tucked away, which also includes an alcove ideal for an office space. The oversized laundry room features newly installed cabinetry and outdoor access. Property highlights include a new 720 sq ft pole barn, irrigated garden, mature fruit trees, and pens for chickens, sheep, and pigs. The robust infrastructure includes a 180-foot-deep well, a reverse osmosis drinking water system, and three HVAC zones. Two units were replaced in 2021, and the 4-ton unit is professionally serviced annually. Dedicated propane lines (installed in 2021) service the kitchen stove, clothes dryer, and outdoor grilling area (leased tank). The 2023 pool enhancements include a new high-efficiency variable-speed pump and complete repainting. On-site pool solar heater panels (minor repair needed) provide energy-efficient heating. The high-capacity 14-inch well system includes a 2 HP submersible pump and an 85-gallon bladder tank for consistent pressure. With no HOA or rental restrictions, this estate is ideal as a private sanctuary, hobby farm, or high-end short-term rental. Located at the “Gateway to the Ocala National Forest,” it is minutes from trails and springs and just 30 minutes from Mount Dora. It is also close to the Harris Chain of Lakes, known for competitive bass fishing and accessible via public ramps. No HOA or rental restrictions—perfect for a private estate, income-producing property, or short-term rental investment. There is a 60’ingress/egress easement to the property off SE Hwy 42. Refer to survey in the Bidder Packet. Property is zoned A-1 in Marion County FL. Property is being sold with a 1-year Home Warranty, Standard Plan with Americas preferred home warranty which covers HVAC, HWH, plumbing, electrical, appliances, and much more. Seller is a licensed Florida real estate sales associate.
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
3,879
Sqft
11.27 ac
Lot size
2
Garage
1992
Year built
Two
Levels
$255
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.
$6,472 /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
$6,472/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.
$/sqft vs N/A
$255 vs $284
Days on market
121 vs 58 typical
Where $255/sqft sits among the 249 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)
118 of 249
N/A have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 223% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 23100 SE HIGHWAY 42
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$573,000
2202 OLD TAVARES ROAD · same community
4 bd · 4.5 ba · 3,337 sqft · $172/sqft · 109 DOM
Sold · Dec ’25$950,000
4701 NE JACKSONVILLE ROAD · same community
5 bd · 4 ba · 3,320 sqft · $286/sqft · 130 DOM
Sold · Mar ’26$1,275,000
16422 SPRING VALLEY ROAD · same community
4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 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 23100 SE HIGHWAY 42 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23100 SE HIGHWAY 42 — 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
23100 SE HIGHWAY 42 FAQs
What would the monthly payment be for 23100 SE HIGHWAY 42?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,472/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 23100 SE HIGHWAY 42?+
The most recent tax bill on record (2025) was $7,183. 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 23100 SE HIGHWAY 42?+
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 $990,000, this home is listed about 191% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 23100 SE HIGHWAY 42?+
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
$990,000 runs 223% above the UMATILLA 32784 median — but at 3,879 sqft it's also nearly twice the size of the typical Umatilla listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
121 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 $1,150,000, now $990,000 — a $160K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of UNITED REAL ESTATE PREFERRED · Gabriella Nystrom. MLS #O6395337.
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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