76 FAIRWAY CIRCLE, UMATILLA, FL, 32784
Active12 days on marketListed Jul 9, 2026MLS #G5114002
About this home
76 FAIRWAY CIRCLE
Experience the perfect balance of peaceful country living and everyday convenience in this beautifully updated home, located within a desirable 55+ gated community. Enjoy the serenity of a quiet setting while being just minutes from major highways, shopping, dining, and medical facilities. Designed for comfortable, low-maintenance living, this move-in-ready home has been thoughtfully updated with a new roof, gutters, and solar tubes (2025), providing both peace of mind and an abundance of natural light. The 2022 HVAC system ensures year-round comfort, while roller shades (2024) add a touch of style, privacy, and energy efficiency. The kitchen and bathrooms have been tastefully refreshed with beautiful quartz countertops (2025), complemented by new toilets and updated primary bath faucets for a clean, modern finish. Fresh interior paint (2026) and exterior paint (2022) complete the home's warm and inviting appeal. If you've been searching for a home where you can enjoy the slower pace of country living without giving up the convenience of nearby shopping, restaurants, and major roadways, this exceptional property is ready to welcome you home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,436
Sqft
0.26 ac
Lot size
2
Garage
2012
Year built
One
Levels
$237
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 and the real association fee — not generic estimates.
$2,556 /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
$2,556/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
+6.6%
$/sqft vs Umatilla actives
$237 vs $220
Days on market
12 vs 58 typical
Where $237/sqft sits among the 77 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
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)
43 of 77
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 76 FAIRWAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$348,000
7522 LOVELY LANE · same community
3 bd · 2 ba · 1,386 sqft · $251/sqft · 13 DOM
Sold · Jan ’26$372,500
72 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $207/sqft · 249 DOM
Sold · Jul ’26$375,000
100 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 58 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 76 FAIRWAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 76 FAIRWAY CIRCLE — 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
76 FAIRWAY CIRCLE FAQs
What would the monthly payment be for 76 FAIRWAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,556/mo — principal and interest, the actual property-tax bill, the $50/mo association fee 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.
How much are the HOA fees at 76 FAIRWAY CIRCLE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 76 FAIRWAY CIRCLE?+
The most recent tax bill on record (2025) was $2,335. 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 76 FAIRWAY CIRCLE?+
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 $339,900, this home is priced right at the Umatilla median.
Which schools are assigned to 76 FAIRWAY CIRCLE?+
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 COLDWELL BANKER VANGUARD EDGE · Lori Reisman, P.A. MLS #G5114002.
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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