David Ramirez
$1,200,0004 bd3.5 ba3,010 sqft$399 /sqft$7,353 /mo all-in ↓

20280 SHORELINE RANCH LANE, UMATILLA, FL, 32784

Active54 days on marketListed Jun 12, 2026MLS #O6416011

WaterfrontSingle Family ResidenceSHORELINE RANCH

About this home

20280 SHORELINE RANCH LANE

Pre-Construction. To be built. Experience the Farmhouse floorplan with luxury craftsmanship, and breathtaking natural surroundings with this proposed custom home by Precision Builders of Central Florida. This stunning single-story residence offers 4 bedrooms, 3 bathrooms, a private office, dedicated dining room, oversized laundry room, and an expansive 3-car garage. Inside, soaring ceilings and an open-concept layout create a bright and inviting atmosphere, complemented by high-end finishes, premium appliances, and superior building materials throughout. One of the home's most remarkable features is its incredible outdoor living space. With more than 1,000 square feet of covered porches, you'll enjoy stunning views from every direction. The front porch will be overlooking the beautiful Lake Dalhousie, and the rear lanai will offer views of the private pond and conservation area. This seamless connection between indoor and outdoor living makes this floorplan something you cannot replicate in another community. Building with Precision Builders of Central Florida provides a personalized experience rarely found in today's market. Buyers receive a complete build plan, including selections and finishes, before construction ever begins. Precision's dedicated team oversees every aspect of the process to ensure an exceptional experience from start to finish. Choose from thoughtfully designed floor plans, customize an existing design, or create a fully custom home tailored to your unique vision. Nestled within the gated community of Shoreline Ranch, this prime homesite offers a rare combination of privacy, space, and lake access. Situated on just under an acre, the property enjoys picturesque views of Lake Dalhousie from the front of the home. What truly sets this lot apart is its exceptional setting: a scenic pond serves as the backdrop to the rear of the property, while conservation land along the right side provides added privacy with no immediate neighbor. Shoreline Ranch offers residents exclusive access to Lake Dalhousie through a private community boat ramp. This spring-fed, sandy-bottom lake is ideal for boating, fishing, skiing, wakeboarding, and year-round water recreation. Here, you don't have to choose between living in a neighborhood and enjoying a true waterfront lifestyle. You can have both. Conveniently located just minutes from Publix, shopping, dining, medical facilities, and the charm of Downtown Mount Dora, Shoreline Ranch offers the perfect balance of peaceful country living and everyday convenience. This is a rare opportunity to create a one-of-a-kind custom home on one of the most desirable homesites in the community. Call today to schedule your private tour.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,010

Sqft

0.9 ac

Lot size

3

Garage

2006

Year built

One

Levels

$399

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Engineered Hardwood
AppliancesCooktop · Dishwasher · Refrigerator
InteriorEating Space In Kitchen · High Ceilings · Open Floorplan · Split Bedroom · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stone
FoundationSlab
ViewWater
FacesSouthwest
ExteriorLighting

Community & fees

HOA fee$133/mo
Taxes (2025)$1,614/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Lake · Private Boat Ramp · Water Access · Deed Restrictions · Gated Community - No Guard

Utilities & systems

UtilitiesElectricity Available
WaterWell

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.

$7,353 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$134
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$7,353/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$134
HOA / condo fee$133
Est. insurance$160

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 Umatilla actives

$399 vs $231

Days on market

54 vs 42 typical

Where $399/sqft sits among the 80 Umatilla actives

25
35
7
5 · this home
3
5
$103–201$201–299$299–397$397–495$495–593$593+

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

Map of 20280 SHORELINE RANCH LANE

Drive times from this address

Downtown Orlando61 min
Universal Orlando66 min
Walt Disney World72 min

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

MiddleUmatilla Middle School★★★★★
HighUmatilla High School★★★★★
ElementaryUmatilla Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Umatilla market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$332K$333K

Umatilla median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

38 of 80

Umatilla actives have cut their price

Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 289% above the UMATILLA 32784 median. See the full Umatilla market guide →

Paper trail

This home's history

Jun 12, 2026Listed at $1,200,000 · 54 days on market since
2006Built · SHORELINE RANCH

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.

38805 RANCH GATE BOULEVARDSold · Nov ’25

$699,900

38805 RANCH GATE BOULEVARD · same community

4 bd · 2 ba · 2,039 sqft · $343/sqft · 284 DOM

37306 KENNY TRAILSold · Jul ’26

$922,500

37306 KENNY TRAIL

3 bd · 3 ba · 3,817 sqft · $242/sqft · 42 DOM

38218 SABAL WAYSold · Mar ’26

$700,000

38218 SABAL WAY

4 bd · 3 ba · 3,836 sqft · $182/sqft · 89 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 20280 SHORELINE RANCH LANE — start here.

Andrew Acosta

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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,353/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 $1,200,000, this home is listed about 220% above the Umatilla median of $374,999. 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.

Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6416011.

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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 5, 2026 at 11:42 AM UTC. The listing information on this page last changed on August 5, 2026 at 11:42 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 5, 2026 at 11:42 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 5, 2026 at 11:42 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.