38797 Ranch Gate Blvd, photo 1
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Overview

3 bd3 ba2,431 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,600/yr
Built2027
Lot48,743 sqft
Living area2,431 sqft
Price / sqft$284
Garage2 car

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

New construction · 2027

Different rules apply when you buy new

Build snapshot

Build year
2027
Builder
Ask the team — not on MLS
Community
SHORELINE RANCH
Type
Single Family Residence

True monthly carry

HOA
~$133/mo
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)Crown MoldingKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorTray Ceiling(s)Walk-in Closet(s)French Doors

38797 Ranch Gate Blvd is a 2027-built home in Shoreline Ranch, Umatilla. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,431 square feet of living space. Listed at $690,900 (about $284/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,600 annually.

From the listing

Pre-Construction. To be built. Welcome to Shoreline Ranch. This is a gated lakefront community. Rendering and floor plan show one possible home design that could be built on this lot. Not existing structure. This proposed lot and well-appointed home package is $690,900. Offering custom home packages by American Family Homes Inc the preferred builder. Build your dream home here and enjoy the breathtaking views year-round. The right lot shapes the way your home looks and feels, from the stunning views out your windows to the natural light that brightens your living space. In front of the gate there will be a sign with the gate code to enter into the community. Contact us today to schedule an appointment.

The essentials

Built
2027
Price / sqft
$284
On market
80 days
Annual tax
$1,629
HOA
$1,600/yr
Flood zone
X · Low risk
Lot
48,743 sqft
Type
Single Family Residence

At a glance

Single family
Built 2027
2 car garage
1.12 acres
Lot size
2,431 sqft
Living area
Brand new
Built 2027

Payment

Est. monthly payment
$4,218/mo
Down payment (20%)
$138,180
Property taxes
$136/mo
HOA
$1,600/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2027
Lot
48,743 sqft
Cooling
Central Air
Heating
Electric, Exhaust Fan
Parking
-
Days on Market
80
Ceiling Fans(s)
Crown Molding
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Tray Ceiling(s)
Walk-in Closet(s)
French Doors
Rain Gutters
Sliding Doors
Dishwasher
Range
Range Hood
Flood Zone X
Annual Tax (2025)
$1,629
Parcel #
21-18-27-0010-000-00600

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
Shoreline Ranch
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
48,743 sqft
ClearedIn CountyLevel
HOA
$1,600/yr
Thomas Behrens

Price history

Date
Event
Price
7/21/2026
Listed for sale
Source: Stellar MLS #G5115367
$690,900
$284/sqft

Neighborhood

38797 Ranch Gate Blvd
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $690,900
$675,000 – $690,900
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 80.

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
$4,218/mo
Principal & interest$3,603
Property taxes$136
Insurance$345
HOA$133
Down payment20% · $138,180
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

$690,900

$284 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,431 sq ft

Time on market

80 days

Year built

2027

Monthly payment

About $4,218/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,629 annual tax bill, insurance, and the $1,600/yr HOA fee.

HOA fee

$1,600/yr

Managed by Thomas Behrens.

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 byHOMETOWN REALTY PROFESSIONAL IListing agent: Mike NeaceListing data from Stellar MLS, MLS# G5115367.

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