81 Fairway Cir, photo 1
Active
1 / 46

Overview

2 bd2 ba1,538 sqft2 car garageSingle Family
TypeSingle Family
HOA$50/mo
Built2006
Lot13,381 sqft
Living area1,538 sqft
Price / sqft$240
Garage2 car

Ask anything about this home

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

About this home

Ceiling Fans(s)Open FloorplanSplit BedroomStone CountersWalk-in Closet(s)Window TreatmentsPoolDishwasher

81 Fairway Cir is a 2006-built home in Twin Lakes Estates, Umatilla. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,538 square feet of living space. Listed at $369,000 (about $240/sqft), 53 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 81 Fairway Circle, where peaceful waterfront living, extensive updates, and an active 55+ community lifestyle come together in a warm and inviting Florida setting. Step inside to a bright, comfortable interior featuring luxury vinyl plank flooring throughout the living room, dining area, and hall, newer carpet in the bedrooms and office/den, natural red-stone flooring in the kitchen, and waterproof vinyl plank flooring in two baths and the walk-in closet. Fresh interior paint adds to the home's clean, move-in-ready feel. The kitchen is well equipped with updated appliances, including a Frigidaire electric range with Air Fry, LG stainless-steel refrigerator, Whirlpool dishwasher, and Whirlpool microwave, making it equally suited for everyday meals or entertaining family and friends. One of the home's most captivating features is its seamless connection to the water. Open the living room sliders and transform the space into a wonderful indoor-outdoor living area with a full view of the water. Imagine peaceful early mornings with a cup of coffee and the lake as your backdrop, or crisp fall afternoons with the sliders open, the Florida breeze flowing through, and friends gathered together. The fireplace conveys with the home, adding warmth and character to this already inviting space. Outdoor living continues with a rebuilt deck featuring newer boards, posts, and railings, along with a brick-paver patio beside the deck—perfect for relaxing, dining outdoors, or simply taking in the view. Landscaping was thoughtfully opened to showcase the water, while the irrigation system draws water directly from the lake, providing an added convenience for maintaining the yard. Significant improvements offer additional peace of mind, including a new HVAC system (2025), new hot water heater (2025), architectural shingle roof (2024) with premium Titan XT shingles, seamless gutter installation, exterior repairs, and sprinkler-system updates. Beyond the home, residents enjoy the benefits of a welcoming 55+ community featuring a community swimming pool, clubhouse, and sidewalk-lined walking trails—perfect for staying active, meeting neighbors, or enjoying a leisurely morning or evening stroll. Whether you're watching the sunrise over the water, opening the sliders to enjoy the Florida breeze, gathering around the fireplace, relaxing on the deck, or taking advantage of the community amenities, 81 Fairway Circle offers a lifestyle designed to be enjoyed. Come discover a wonderful combination of waterfront views, comfortable living, thoughtful updates, and the easygoing Florida lifestyle you've been looking for.

Request documents

Free. Tap one and our team sends it over.

The essentials

Built
2006
Price / sqft
$240
On market
53 days
Annual tax
$2,666
HOA
$50/mo
Flood zone
X · Low risk
Lot
13,381 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Water views
Water
Community pool
Shared amenity
2 car garage
0.31 acres
Lot size

Payment

Est. monthly payment
$2,381/mo
Down payment (20%)
$73,800
Property taxes
$222/mo
HOA
$50/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
13,381 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
53
Ceiling Fans(s)
Open Floorplan
Split Bedroom
Stone Counters
Walk-in Closet(s)
Window Treatments
Pool
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,666
Parcel #
01-18-26-2002-000-10300

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
13,381 sqft
LandscapedRolling SlopePaved
HOA
$50/mo
Gail Schmidt

Price history

Date
Event
Price
9/20/2026
Price change
Source: Stellar MLS #G5115306
$369,000-1.6%
$240/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #G5115306
$374,900
$244/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $369,000
$362,500 – $369,000
98% – 100% of listTops out right at the list price
80% of listList price
45 of the last 89 home closings in 32784 landed at this number or higher (51%). The median one sat 58 days before it went under contract, and this one is on day 53 after a $5,900 cut.

Sample: 89 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
$2,381/mo
Principal & interest$1,924
Property taxes$222
Insurance$185
HOA$50
Down payment20% · $73,800
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 includes any condo dues 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

$369,000

$240 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,538 sq ft

Time on market

53 days

Year built

2006

Monthly payment

About $2,381/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,666 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 byCOLDWELL BANKER VANGUARD EDGEListing agent: Lori Reisman, P.AListing data from Stellar MLS, MLS# G5115306.

Keep exploring Florida

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