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Overview

4 bd2 ba1,563 sqft2 car garageSingle Family
TypeSingle Family
HOA$50/mo
Built2024
Lot10,022 sqft
Living area1,563 sqft
Price / sqft$227
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanBuyer Approval RequiredClubhouseGated Community - No GuardPool

89 Fairway Cir is a 2024-built home in Twin Lakes Estates, Phase III, Umatilla. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,563 square feet of living space. Listed at $354,900 (about $227/sqft), 211 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $50 monthly.

From the listing

Welcome to this newly built 2024 single-family home located at 89 Fairway Circle in Umatilla, situated within an intimate 55+ community of fewer than 40 homes, offering a quiet and private residential setting. This modern residence features 4 bedrooms, 2 bathrooms, and approximately 1,562 square feet of thoughtfully designed living space, positioned on a spacious lot of over 10,000 square feet. Inside, the home features a bright and open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating an ideal space for both entertaining and everyday living. Large windows allow natural light to flow throughout the home, enhancing the open feel of the main living areas. The kitchen is designed with both style and functionality in mind, featuring modern cabinetry, stainless steel appliances, and ample counter space while remaining open to the main living and dining areas. The primary suite offers a comfortable and private retreat with a spacious bedroom, private bathroom, and generous closet space. Three additional bedrooms provide flexibility for guests, a home office, or additional living space. High ceilings throughout the home contribute to the bright and spacious feel of the interior. Additional features include ceiling fans, an interior laundry area, and a two-car attached garage with convenient access to the main living areas. Outside, the property sits on a lot offering plenty of space for outdoor living, gardening, or enjoying the Florida lifestyle. The expansive yard provides room for outdoor activities while maintaining a sense of privacy. Located in Umatilla in Lake County, the home offers convenient access to local schools, parks, and nearby lakes, while still being within a short drive to Mount Dora, Eustis, and the greater Orlando area. With its modern construction, spacious layout, and location within a small and peaceful 55+ community, this property offers a unique opportunity for buyers seeking low-density living in Central Florida. Schedule your private showing today.

The essentials

Built
2024
Price / sqft
$227
On market
211 days
Annual tax
$757
HOA
$50/mo
Flood zone
X · Low risk
Lot
10,022 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Community pool
Shared amenity
2 car garage
10,022 sqft lot
Lot size
1,563 sqft
Living area

Payment

Est. monthly payment
$2,142/mo
Down payment (20%)
$70,980
Property taxes
$63/mo
HOA
$50/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
10,022 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
211
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Buyer Approval Required
Clubhouse
Gated Community - No Guard
Pool
Dishwasher
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Umatilla Elem
Middle
Umatilla Middle
High
Umatilla High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$757
Parcel #
01-18-26-200200010700

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Twin Lakes Estates, Phase III
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
10,022 sqft
HOA
$50/mo
Gail Schmidt

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #G5109646
$354,900-5.4%
$227/sqft
-
Price change
Source: Stellar MLS #G5109646
$375,000-14.8%
$240/sqft
3/13/2026
Listed for sale
Source: Stellar MLS #G5109646
$440,000
$282/sqft

Neighborhood

89 Fairway Cir
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $354,900
$347,500 – $354,900
98% – 100% of listTops out right at the list price
80% of listList price
44 of the last 87 home closings in 32784 landed at this number or higher (51%). The median one sat 52 days before it went under contract, and this one is on day 211 after a $85,100 cut.

Sample: 87 closed home sales in 32784 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,141/mo
Principal & interest$1,851
Property taxes$63
Insurance$177
HOA$50
Down payment20% · $70,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$354,900

$227 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,563 sq ft

Time on market

211 days

Year built

2024

Monthly payment

About $2,142/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $757 annual tax bill, insurance, and the $50/mo HOA fee.

HOA fee

$50/mo

Managed by Gail Schmidt.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Edalys RamosListing data from Stellar MLS, MLS# G5109646.

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