
YALE HAMMOCK ROAD, UMATILLA, FL, 32784
Active324 days on marketListed Sep 3, 2025MLS #G5101325
About this home
YALE HAMMOCK ROAD
Virtually Staged. Virtually enhanced rendering showing one potential homesite layout. Home, fencing, and improvements do not exist. BUT ABSOLUTLEY CAN BE DONE HERE!! This 10-acre parcel offers the rare combination of privacy, flexibility, and long-term value in Lake County. Zoned Agricultural (A) and located within county limits, this property allows for single-family homes, mobile homes, manufactured homes, modular homes, barndominiums, and accessory dwelling units (ADUs), making it ideal for a wide range of buyers and future plans. The land consists of approximately 7.5 acres of high and dry, buildable ground, with the remaining 2.5 acres preserved as natural marshland, creating a peaceful buffer and ensuring privacy now and in the future. The property backs up to orange groves and Lake Yale, offering a quiet setting with no rear neighbors and protection from overdevelopment. Access is provided by a clay/dirt road that connects directly to CR 450, with electric nearby. There is no HOA and no deed restrictions, giving buyers freedom to build and use the land as they choose. Lake County typically allows one residence per 5 acres, creating potential to parcel the property into two separate buildable lots, subject to county approval. Conveniently located just 20 minutes to grocery stores and everyday amenities, and 10 minutes to local A-rated schools, this property offers rural living without sacrificing accessibility. Zoning: Agricultural (A) Utilities: Electric nearby, well and septic needed Road Access: Clay/dirt road with direct connection to CR 450 Whether you’re planning a private homestead, multi-generational living, investment hold, or future development, this property provides the space, flexibility, and location to make it happen.
Facts & features
The home at a glance
10.5 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.
$2,844 /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
$2,844/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
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 → $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 39% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near YALE HAMMOCK 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$548,000
14301 LAKE YALE ROAD
4 bd · 3 ba · 2,022 sqft · $271/sqft · 86 DOM
Sold · Oct ’25$1,050,000
14243 COUNTY ROAD 450
4 bd · 3 ba · 2,465 sqft · $426/sqft · 18 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about YALE HAMMOCK ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for YALE HAMMOCK ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
YALE HAMMOCK ROAD FAQs
What would the monthly payment be for YALE HAMMOCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,844/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 YALE HAMMOCK ROAD?+
The most recent tax bill on record (2024) was $1,912. 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 $398,900, this home is listed about 17% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to YALE HAMMOCK 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.
The brief
Four things that matter here
01Positioned at the premium end
$398,900 runs 39% above the UMATILLA 32784 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
324 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $498,999, now $398,900 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Alexis Gibson. MLS #G5101325.
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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