81 Twin Lake Cir, photo 1
Active
1 / 62

Overview

3 bd2 ba1,898 sqft2 car garageSingle Family
TypeSingle Family
HOA$600/yr
Built2007
Lot24,394 sqft
Living area1,898 sqft
Price / sqft$184
Garage2 car

Ask anything about this home

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenOpen FloorplanPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)

81 Twin Lake Cir is a 2007-built home in Twin Lakes Estates, Umatilla. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,898 square feet of living space. Listed at $349,900 (about $184/sqft), 90 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $600 annually.

From the listing

Virtually Staged. Beautifully maintained and filled with pride of ownership, this 3-bedroom, 2-bath home is located in the gated 55+ community of Twin Lakes Estates and sits on over half an acre with mature landscaping, inviting outdoor spaces, and a peaceful setting. From the curb appeal to the thoughtfully cared-for interior, this property offers comfort, space, and a well-kept atmosphere in an established gated community. The spacious floor plan features a formal living room, formal dining room, breakfast area, inside laundry room, and a bright Florida room overlooking the backyard. Crown moulding accents the main living areas, adding a polished touch, while wood flooring in the primary bedroom and second bedroom brings warmth and character to the home. The primary suite offers a large walk-in closet and ensuite bathroom, creating a comfortable private retreat. Outdoor living is a highlight of this property, with a Florida room, 16x9 deck, gazebo, and mature landscaping that create multiple spaces to relax, entertain, garden, or simply enjoy the Florida lifestyle. The oversized lot offers room to enjoy the outdoors while still having the benefits of community amenities. Twin Lakes Estates offers gated entry, a community clubhouse with kitchenette, and a swimming pool, adding convenience and value for residents. Well maintained, nicely situated, and offering a flexible floor plan with desirable indoor and outdoor living spaces, this Twin Lakes Estates home is ready for its next owner.

The essentials

Built
2007
Price / sqft
$184
On market
90 days
Annual tax
$2,310
HOA
$600/yr
Flood zone
X · Low risk
Lot
24,394 sqft
Type
Single Family Residence

At a glance

Single family
Built 2007
Community pool
Shared amenity
2 car garage
Driveway
0.56 acres
Lot size
1,898 sqft
Living area

Payment

Est. monthly payment
$2,242/mo
Down payment (20%)
$69,980
Property taxes
$193/mo
HOA
$600/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2007
Lot
24,394 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
90
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Clubhouse
Deed Restrictions
Gated Community - No Guard
Golf Carts OK
Pool
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
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 X
Annual Tax (2025)
$2,310
Parcel #
01-18-26-2001-000-07800

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
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
24,394 sqft
City LimitsLandscapedOversized LotPaved
HOA
$600/yr
Twin Lakes Estates Homeowners Association

Price history

Date
Event
Price
7/12/2026
Listed for sale
Source: Stellar MLS #G5114906
$349,900
$184/sqft

Neighborhood

81 Twin Lake Cir
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $349,900
$342,500 – $349,900
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 90.

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
$2,242/mo
Principal & interest$1,825
Property taxes$193
Insurance$175
HOA$50
Down payment20% · $69,980
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%. 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

$349,900

$184 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,898 sq ft

Time on market

90 days

Year built

2007

Monthly payment

About $2,242/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,310 annual tax bill, insurance, and the $600/yr HOA fee.

HOA fee

$600/yr

Managed by Twin Lakes Estates Homeowners Association.

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 byHANSON REAL ESTATE GROUP, INC.Listing agent: Leslie Hanson RotariusListing data from Stellar MLS, MLS# G5114906.

Keep exploring Florida

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