David Ramirez
$574,0003 bd2 ba2,380 sqft$241 /sqft$3,945 /mo all-in ↓

47 DAVIS AVENUE, UMATILLA, FL, 32784

Active7 days on marketListed Jul 16, 2026MLS #V4950229

Single Family ResidenceUMATILLA ANNA D GUERRANT SUB

About this home

47 DAVIS AVENUE

2.5% FHA Assumable Mortgage!!! This well-updated 1920 Sears and Roebuck catalog home in excellent condition gives you the opportunity to own an incredible piece of history and still have today’s luxury. This beautiful home includes replumbing of upstairs and downstairs bathrooms, brand new Pella Windows in the entire 2nd floor installed in 2025, R90 blown in insulation in the Attic, white vinyl fencing, a large 12x20 storage shed, and a spacious 29’ screened in tiled front porch that overlooks the lake and much more! This home is listed as a 3-bedroom 2-bath but could be utilized as a 4-bedroom. This home has all the original 1920’s glass windows with new storm windows downstairs. Upon entering the home, you will notice two large beautiful original 1920’s wavy lead glass windows in the formal living and dining rooms. This home features the original wood flooring which is continuous throughout! The formal living room has one of four working fireplaces, and the dining room is adjacent and features beautiful french doors which lead to either a bonus room, home office, game room or extra storage space. The centrally located kitchen is remodeled and boasts beautiful textured Italian tile, an abundance of white cabinetry & counter space, soft close drawers, a large white farmhouse sink, a restaurant style faucet, beautiful brick pattern tiled backsplash, black stainless-steel appliances and complete with a pot filler over the stove! This kitchen also features a coffered ceiling detailed with wainscotting and a fandelier over an antique island on casters for function. Adjacent to the kitchen is under stairwell storage. The first-floor 12’ X 13’ bedroom with 10+ ceilings was likely once used as the primary bedroom complete with a fireplace, closet and direct access to the downstairs bathroom. In the rear of the home, you will enter a large family room that gives you plenty of space for entertaining. A back door leads you to a small, covered mud room that leads out to a large wooden deck perfect for barbecues or entertaining. Upstairs you will find the huge primary bedroom at the end of the hall, 29’ X 13’ with a fireplace and a beautiful view of the lake. It highlights the brand-new Pella windows that are throughout the entire upstairs (original windows were kept for restoration should you wish). The 3rd bedroom is located at the top of the stairs opposite the primary bedroom and…yes…this bedroom also has a private wood burning fireplace! Additionally, there is a small trunk room that is a great place to take in your favorite book or study with great light. The large attic includes a huge whole-house exhaust fan and there is plenty of room for additional storage. In the large, fenced backyard there is room for a small swimming pool and lots of outside activities. Additional features include all original rope and weighted lead glass windows throughout the first floor, a covered portico car port, next to it a smaller shed for all your car or garden needs, a 4-zone irrigation system with RainBird and timer that ensure your yard is as beautiful as this home. This is an incredible opportunity, with less than 25 Sears & Roebuck homes recorded in Florida, this is practically a one-of-a kind. Ask your Realtor® for the unbranded virtual tour of this amazing home. All measurements are approximate and should be independently verified.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,380

Sqft

0.22 ac

Lot size

1920

Year built

Two

Levels

$241

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringHardwood
AppliancesDishwasher · Dryer · Range · Refrigerator · Washer
InteriorAttic Ventilator · Ceiling Fan(s) · Living Room/Dining Room Combo · Solid Surface Counters · Solid Wood Cabinets
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationPillar/Post/Pier
ViewWater
FacesWest
ExteriorIrrigation System · Sidewalk

Community & fees

Taxes (2025)$5,666/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,945 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,097
PMI (est., until 20% equity)$215
Property tax — 2025 actual bill$472
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,400Loan30-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% · $57,400
Interest rate6.00%
Loan term

Estimated payment

$3,945/mo

Principal & interest$3,097
PMI (est., until 20% equity)$215
Property taxes (actual bill)$472
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.

Where it sits

Inside Umatilla

Map of 47 DAVIS AVENUE

Drive times from this address

Downtown Orlando57 min
Universal Orlando61 min
Walt Disney World66 min
Orlando Int’l Airport (MCO)72 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 marketBalanced5.2 months of inventoryBuyer’s 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 98% above the UMATILLA 32784 median. See the full Umatilla market guide →

Paper trail

This home's history

Jul 16, 2026Listed at $574,000 · 7 days on market since
1920Built · UMATILLA ANNA D GUERRANT SUB

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 47 DAVIS AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 47 DAVIS AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

47 DAVIS AVENUE FAQs

What would the monthly payment be for 47 DAVIS AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,945/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 47 DAVIS AVENUE?+

The most recent tax bill on record (2025) was $5,666. 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 47 DAVIS AVENUE?+

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 $574,000, this home is listed about 69% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 47 DAVIS AVENUE?+

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

$574,000 runs 98% above the UMATILLA 32784 median — but at 2,380 sqft it's also 43% larger than the typical Umatilla listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 7 days on market in a Umatilla market that averages 58 — if it fits, move quickly.

Listing courtesy of KELLER WILLIAMS HERITAGE REALTY · Charles Shaver, PA. MLS #V4950229.

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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