LAKE SMITH ROAD, UMATILLA, FL, 32784
Active98 days on marketListed Apr 13, 2026MLS #S5147383
About this home
LAKE SMITH ROAD
Don’t miss the opportunity to build your dream home on this beautiful 0.85-acre residential lot located on a peaceful cul-de-sac in Umatilla, Florida. This property features a backyard with direct views of Lake Smith, offering a serene and private setting surrounded by nature. With nearly an acre of land, you’ll have plenty of space to design a spacious home, garden, outdoor living area, pool, or anything you’ve imagined.
Facts & features
The home at a glance
0.85 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 — not generic estimates.
$1,020 /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
$1,020/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
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)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near LAKE SMITH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$420,000
16623 LAKE SMITH ROAD · same community
3 bd · 2 ba · 1,385 sqft · $303/sqft · 12 DOM
Sold · Apr ’26$145,000
37547 WASHINGTON AVENUE UNIT 6
2 bd · 1 ba · 872 sqft · $166/sqft · 109 DOM
Sold · May ’26$400,000
15816 MULLINS BOULEVARD
2 bd · 1 ba · 897 sqft · $446/sqft · 5 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 LAKE SMITH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for LAKE SMITH ROAD — 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
LAKE SMITH ROAD FAQs
What would the monthly payment be for LAKE SMITH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,020/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 LAKE SMITH ROAD?+
The most recent tax bill on record (2025) was $824. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $125,000, this home is listed about 63% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to LAKE SMITH ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of NAIM REAL ESTATE LLC · Daiana Garcia Medrano. MLS #S5147383.
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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