29714 SE HIGHWAY 42, UMATILLA, FL, 32784
Active7 days on marketListed Jul 29, 2026MLS #G5115693
About this home
29714 SE HIGHWAY 42
Tucked beneath a canopy of mature oaks at the end of a long, tree-lined approach, this 3-bedroom, 2-bathroom home sits on 4.38 acres with about 3 acres of uplands in the heart of Umatilla. Built in 2008 with 1,730 square feet of living space, it features a covered front porch with a wooden ramp, and a dining area with sliding glass doors that frame open water views across the rear yard. The kitchen offers ample cabinetry, a full appliance package, and an eat-in layout that flows into the main living areas. A spacious walk-in closet, an oversized shower with a built-in bench, and a dedicated laundry/utility room round out the floor plan. Step outside to a wide back deck overlooking a sprawling lawn that rolls down to the water's edge — a rare combination of privacy, acreage, and a peaceful lake setting close to Umatilla's dining, shopping, and SR-19/SE Hwy 42 access.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,730
Sqft
4.38 ac
Lot size
2008
Year built
One
Levels
$228
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.
$2,809 /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
$2,809/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.
$/sqft vs Umatilla actives
$228 vs $231
Days on market
7 vs 42 typical
Where $228/sqft sits among the 82 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 → $333K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
38 of 82
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 29714 SE HIGHWAY 42
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$292,000
18015 PALM STREET
3 bd · 2 ba · 1,724 sqft · $169/sqft · 57 DOM
Sold · Mar ’26$407,500
18611 CLARK ROAD
3 bd · 2 ba · 1,747 sqft · $233/sqft · 32 DOM
Sold · Mar ’26$380,000
41348 SILVER DRIVE
3 bd · 2 ba · 1,776 sqft · $214/sqft · 109 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 29714 SE HIGHWAY 42 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29714 SE HIGHWAY 42 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
29714 SE HIGHWAY 42 FAQs
What would the monthly payment be for 29714 SE HIGHWAY 42?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,809/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 29714 SE HIGHWAY 42?+
The most recent tax bill on record (2025) was $1,799. 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 $394,900, this home is listed about 5% above the Umatilla median of $374,999. The market section on this page shows how the area is trending.
Which schools are assigned to 29714 SE HIGHWAY 42?+
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
$394,900 runs 28% above the UMATILLA 32784 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Umatilla market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RLW REALTY · Logan Wilson. MLS #G5115693.
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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