17819 PALM STREET, UMATILLA, FL, 32784
Active84 days on marketListed May 2, 2026MLS #O6402607
About this home
17819 PALM STREET
Welcome to your perfect home in small golf cart community with NO HOA and private beach and lake access! This solid 3/2 brick home on oversized lot allows you the FREEDOM to truly make this property your own! Enjoy piece of mind with a whole house generator, two newer A/C units with HALO air cleaner, metal roof, spray foam insulation, sec cameras, alarm, multi zone sprinkler system and gutters. Homes interior is nicely updated with newer flooring, fresh paint, granite countertops, new refrigerator, newer water heater and new washer & dryer. Nice floor plan with split bedrooms, seperate living room and dining room, wood burning fireplace in family room and even a dinette area off kitchen. Entertain or just relax on two beautiful covered porches, one in the front and a spacious enclosed porch on the back overlooking your future garden area, large walk in shed with electric and a seperate one car carport for tractor, toys or extra vehicle. Deeded lake access to S Twin Lake along with private beach area that is just around the corner-perfect for fishing, boating, kayaking or simply unwinding lakeside. Great school district and close to Ocala Forest, Alexander Springs and more. If you're looking for durability, efficiency in your next Florida home, this is it!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,985
Sqft
0.41 ac
Lot size
2
Garage
1982
Year built
One
Levels
$206
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.
$3,178 /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
$3,178/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
+8.8%
$/sqft vs Umatilla actives
$206 vs $222
Days on market
84 vs 58 typical
Where $206/sqft sits among the 73 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
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)
40 of 73
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 17819 PALM STREET
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$380,000
41348 SILVER DRIVE · same community
3 bd · 2 ba · 1,776 sqft · $214/sqft · 109 DOM
Sold · Aug ’25$292,000
18015 PALM STREET · same community
3 bd · 2 ba · 1,724 sqft · $169/sqft · 57 DOM
Sold · Jan ’26$255,000
18015 BEACH STREET · same community
3 bd · 2 ba · 1,440 sqft · $177/sqft · 156 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 17819 PALM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17819 PALM STREET — 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
17819 PALM STREET FAQs
What would the monthly payment be for 17819 PALM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,178/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 17819 PALM STREET?+
The most recent tax bill on record (2025) was $5,153. 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 17819 PALM STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $409,000, this home is listed about 20% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 17819 PALM STREET?+
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
01Positioned at the premium end
$409,000 runs 42% above the UMATILLA 32784 median — but at 1,985 sqft it's also 20% larger than 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.
03The price has already moved
Listed at $429,000, now $409,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Lisa West. MLS #O6402607.
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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