40320 W 2ND AVENUE, UMATILLA, FL, 32784
Active4 days on marketListed Jul 30, 2026MLS #O6428940
About this home
40320 W 2ND AVENUE
Spacious Living Near North Lake Park / 3 Bed/2 Bath Welcome home to this inviting 3 bedroom, 2 bath single family home, featuring high ceilings and stone countertops that bring style and functionality to the heart of the home. The open-concept layout creates a bright, airy atmosphere perfect for both everyday living and entertaining. The split bedroom floor plan offers privacy for the entire family. Located just minutes from North Lake Park activities. You'll enjoy convenient access to walking trails, playgrounds, sports fields, picnic areas and outdoor recreation. Whether you're relaxing indoors or exploring nearby amenities this home offers the ideal balance of comfort and lifestyle. Don't miss the opportunity to own a home that combines modern finishes, generous living spaces and a location that keeps you close to everything you enjoy. Shed on property does not convey.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,308
Sqft
0.28 ac
Lot size
2
Garage
2018
Year built
One
Levels
$258
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.
$2,503 /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
$2,503/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.
vs edgeAI estimate
+19.1%
$/sqft vs Umatilla actives
$258 vs $231
Days on market
4 vs 48 typical
Where $258/sqft sits among the 80 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)
39 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 10% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 40320 W 2ND AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$334,000
40882 W 5TH AVENUE · same community
3 bd · 2 ba · 1,300 sqft · $257/sqft · 81 DOM
Sold · Dec ’25$295,000
40747 W 2ND AVENUE · same community
3 bd · 2 ba · 1,288 sqft · $229/sqft · 19 DOM
Sold · Apr ’26$271,000
40390 W FIRST AVENUE · same community
3 bd · 2 ba · 1,219 sqft · $222/sqft · 33 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 40320 W 2ND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40320 W 2ND AVENUE — 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
40320 W 2ND AVENUE FAQs
What would the monthly payment be for 40320 W 2ND AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,503/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 40320 W 2ND AVENUE?+
The most recent tax bill on record (2025) was $2,450. 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 40320 W 2ND AVENUE?+
The listing reports pets: Cats OK, Dogs OK. 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 $338,000, this home is listed about 10% below the Umatilla median of $374,500. The market section on this page shows how the area is trending.
Which schools are assigned to 40320 W 2ND 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.
Keep looking
Similar homes nearby
Listing courtesy of GENSTONE REALTY · DeLite Bowden. MLS #O6428940.
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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