164 FLAG LILLY LANE, UMATILLA, FL, 32784
Active153 days on marketListed Feb 20, 2026MLS #S5144297
About this home
164 FLAG LILLY LANE
Pre-Construction. To be built. This floor plan gives you the flexibility to personalize the home to fit your style and needs! Private guest suite featuring private living room with wet bar and full bathroom downstairs. Open kitchen with large kitchen island, white 42" cabinets with 2" crown, white 2cm quartz countertop in kitchen. From designer kitchen access to covered patio through large center meet sliding doors. Kitchen features stainless steel appliances including refrigerator. Large walk-in pantry. Designer 12 x 24 tile flooring throughout first floor in all common areas. Designer Sherman Williams paint throughout the home. Second floor Primary bedroom master bath features dual sinks on the vanities, large walk in shower, and huge walk in closet. Designer shower wall tile. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Special financing rates and closing cost assistance may be available. Options may vary by community and offers are available on select homes only. Contact builder for more information!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,030
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$140
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.
$2,928 /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
$3,317/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−5%
$/sqft vs SEASONS AT MAGNOLIA POINTE
$140 vs $156
Days on market
153 vs 58 typical
Where $140/sqft sits among the 6 homes for sale in SEASONS AT MAGNOLIA POINTE
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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$64,815/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,950/mo median
Live Umatilla rental listing data — this home’s rate depends on size, condition and furnishing.
The Umatilla short-term market
▲ Growing37%
Occupancy
▲ 55% yr/yr
$185
Avg nightly rate
▲ 43% yr/yr
$12K/yr
Revenue per listing
$61
RevPAR
72 days
Booking lead time
4.2 nights
Avg stay
3
Typical min nights
31
Active rentals
▼ 9% supply
Seasonality — monthly occupancy
Peaks at 58% in Feb · bottoms at 24% in Aug
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Umatilla — the projection above is specific to this home’s size.
Where it sits
Inside Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full 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)
5 of 6
SEASONS AT MAGNOLIA POINTE have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 164 FLAG LILLY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$449,999
183 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $149/sqft · 391 DOM
Sold · Mar ’26$439,999
240 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $145/sqft · 214 DOM
Sold · Mar ’26$435,000
200 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $144/sqft · 205 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 164 FLAG LILLY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 164 FLAG LILLY 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
164 FLAG LILLY LANE FAQs
What would the monthly payment be for 164 FLAG LILLY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,928/mo — principal and interest, estimated property taxes, the $75/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 164 FLAG LILLY LANE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 164 FLAG LILLY LANE?+
The most recent tax bill on record (2026) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 164 FLAG LILLY LANE be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 164 FLAG LILLY 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 $425,414, this home is listed about 25% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 164 FLAG LILLY 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
Five things that matter here
01Positioned at the premium end
$425,414 runs 47% above the UMATILLA 32784 median — but at 3,030 sqft it's also nearly twice the size of the typical Umatilla listing.
02Zoned for nightly rentals
Seasons is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Water views
The water view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
153 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $461,107, now $425,414 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AXEN REALTY, LLC · Stephanie Morales, LLC. MLS #S5144297.
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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