37414 TURNER DRIVE, UMATILLA, FL, 32784
Active1 days on marketListed Jul 22, 2026MLS #G5115366
About this home
37414 TURNER DRIVE
Enjoy the freedom of no HOA in the desirable Three Lakes community of Umatilla. Situated on a beautifully shaded 1/3-acre waterfront lot, this well-maintained home offers peaceful pond views, generous outdoor space, and room for all your hobbies, vehicles, boats, or RV. Inside, you'll find a bright, open floor plan with abundant natural light, ceramic tile flooring throughout the main living areas, and an updated kitchen featuring refaced cabinetry, countertops, and appliances. The spacious family room is highlighted by a large picture window overlooking the water, creating a relaxing backdrop for everyday living. Step outside to the screened porch and unwind while enjoying tranquil pond views and colorful evening sunsets beneath the canopy of majestic mature oak trees. The attached garage is equipped with air conditioning, is rewired and currently set up as a working woodworking shop, making it an ideal workspace for hobbyists or craftsmen. An adjoining room is currently being used as an additional workspace and provides additional flexibility. It could easily be used as a third bedroom, home office, fitness room, or hobby space. Major updates provide peace of mind, including Roof (2018), R30 Insulation, Drain Field (2018), HVAC (2020), and Windows (2021). Woodworking equipment is negotiable. If you're looking for space, privacy, beautiful water views, and the flexibility that comes with no HOA, this Three Lakes property is one you won't want to miss.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,686
Sqft
0.33 ac
Lot size
1
Garage
1965
Year built
One
Levels
$172
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.
$2,220 /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
$2,220/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
−16.2%
Days on market
1 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.
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 37414 TURNER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37414 TURNER DRIVE — 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
37414 TURNER DRIVE FAQs
What would the monthly payment be for 37414 TURNER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,220/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 37414 TURNER DRIVE?+
The most recent tax bill on record (2025) was $2,690. 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 $290,000, this home is listed about 15% below the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37414 TURNER DRIVE?+
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.
Listing courtesy of ERA GRIZZARD REAL ESTATE · Stacy Bracewell. MLS #G5115366.
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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