39251 COUNTY ROAD 439, UMATILLA, FL, 32784
Active0 days on marketListed Jul 24, 2026MLS #G5114167
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About this home
39251 COUNTY ROAD 439
Virtually Staged. Experience the perfect blend of luxury, privacy, and waterfront living in this exceptional custom-built lakefront estate, nestled on 4.59 private acres with nearly 200 feet of frontage on beautiful Lake Murphy, a skiable lake. Featuring a grand circular driveway, this brand-new block home offers exceptional craftsmanship, breathtaking views, and the freedom of no HOA. Designed for both everyday living and entertaining, the open-concept floor plan is filled with natural light and showcases panoramic lake views from the main living areas and primary suite. Sliding glass doors open to the covered lanai, creating a seamless indoor-outdoor living experience. The beautifully appointed kitchen features quartz countertops with a full-height backsplash, solid wood soft-close cabinetry, premium stainless steel appliances, double wall ovens, a separate cooktop with pot filler, a spacious center island, and a walk-in pantry. The private primary suite offers tranquil lake views, lanai access, a generous walk-in closet, and a spa-inspired bath with dual vanities, a freestanding soaking tub, and an oversized frameless glass shower with a rainfall showerhead. Additional features include luxury 12mm vinyl plank flooring throughout, sound-insulated interior walls, an oversized laundry room with abundant cabinetry, an irrigation system, seamless gutters, an insulated garage door, an oversized two-car garage, and an exterior lighting package with motion, soffit, landscape, and illuminated entry lighting. Outside, the possibilities are endless with room for a pool, workshop, RVs, boats, trailers, and more. Zoned to accommodate horses, chickens, goats, and other livestock, this property offers the perfect balance of luxury and flexibility. Spend your days boating, fishing, kayaking, paddleboarding, or water skiing right from your own backyard. Conveniently located less than 10 minutes from Publix, approximately 15 minutes from the Wekiva Parkway, and only 20 minutes from charming downtown Mount Dora, this one-of-a-kind property offers a rare combination of luxury, privacy, acreage, and waterfront living.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,241
Sqft
4.59 ac
Lot size
2
Garage
2026
Year built
One
Levels
$491
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.
$6,626 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,626/mo
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.
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
+167.3%
Days on market
0 vs 58 typical
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 → $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 283% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
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 39251 COUNTY ROAD 439 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39251 COUNTY ROAD 439 — 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
39251 COUNTY ROAD 439 FAQs
What would the monthly payment be for 39251 COUNTY ROAD 439?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,626/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 39251 COUNTY ROAD 439?+
The most recent tax bill on record (2025) was $1,415. 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 $1,100,000, this home is listed about 224% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39251 COUNTY ROAD 439?+
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
$1,100,000 runs 283% above the UMATILLA 32784 median — but at 2,241 sqft it's also 35% larger than the typical Umatilla listing.
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
Listed today in a Umatilla market that averages 58 — if it fits, move quickly.
Listing courtesy of EXP REALTY LLC · Daniela Patton. MLS #G5114167.
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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