39251 County Road 439, photo 1
Active
1 / 40

Overview

4 bd2 ba2,241 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot199,940 sqft
Living area2,241 sqft
Price / sqft$469
Garage2 car

Ask anything about this home

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
LAKE MURPHY ESTATES
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Ceiling Fans(s)Kitchen/Family Room ComboOpen FloorplanSolid Wood CabinetsSplit BedroomStone CountersThermostatRain Gutters

39251 County Road 439 is a 2026-built home in Lake Murphy Estates, Umatilla. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,241 square feet of living space. Listed at $1,050,000 (about $469/sqft), 24 days on market. Flood zone A - confirm flood insurance requirements with your lender.

From the listing

Virtually Staged. Recently appraised at $1,050,000 by a licensed appraiser, this home offers exceptional value. Experience the perfect blend of luxury, privacy, and waterfront living in this custom-built 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 showcases 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.

The essentials

Built
2026
Price / sqft
$469
On market
115 days
Annual tax
$1,415
Flood zone
A
Lot
199,940 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Waterfront
Lake Front
2 car garage
Driveway
4.59 acres
Lot size
2,241 sqft
Living area

Payment

Est. monthly payment
$6,119/mo
Down payment (20%)
$210,000
Property taxes
$118/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
199,940 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Waterfront
Lake Front
Days on Market
115
Ceiling Fans(s)
Kitchen/Family Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Rain Gutters
Cooktop
Dishwasher
Microwave
Range Hood
Refrigerator
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 A
Annual Tax (2025)
$1,415
Parcel #
15-18-27-0100-000-00900

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
Lake Murphy Estates
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
199,940 sqft
ClearedOversized Lot

Price history

Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #G5114167
$1,050,000-4.5%
$469/sqft
6/16/2026
Listed for sale
Source: Stellar MLS #G5114167
$1,100,000
$491/sqft

Neighborhood

39251 County Road 439
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $1,050,000
$1.03M – $1.05M
97.9% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 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 115 after a $50,000 cut.

Sample: 86 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
$6,119/mo
Principal & interest$5,476
Property taxes$118
Insurance$525
Down payment20% · $210,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. 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

$1,050,000

$469 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,241 sq ft

Time on market

115 days

Year built

2026

Monthly payment

About $6,119/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,415 annual tax bill, insurance.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Daniela PattonListing data from Stellar MLS, MLS# G5114167.

Keep exploring Florida

Pick up where you left off, or see what else is out there.