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Overview

4 bd2 ba1,200 sqftSingle Family
TypeSingle Family
HOANone listed
Built1991
Lot41,580 sqft
Living area1,200 sqft
Price / sqft$237

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

About this home

Ceiling Fans(s)Rain GuttersBar FridgeCooktopDishwasherDryerMicrowaveRange

38638 Marshall St is a 1991-built home in Whidbys Sub, Umatilla. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,200 square feet of living space. Listed at $284,999 (about $237/sqft), 179 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Motivated seller! Welcome to 38638 Marshall St in Umatilla, FL – a fully renovated home that offers the perfect blend of modern luxury and timeless appeal. This stunning property has been thoughtfully updated inside and out, featuring a reinforced foundation with additional joists for lasting stability. The new Jeld Wen windows, fresh paint, and 2024 new roof enhance the home’s curb appeal and efficiency. Step inside to discover a brand new kitchen that will inspire any home chef. The kitchen boasts upgraded level 3 granite countertops, including an impressive waterfall counter, and seamlessly extends into a spacious dining area. Equipped with top-of-the-line GE stainless steel appliances, this kitchen is both stylish and functional. The home continues to impress with a beautiful master bathroom featuring a large shower, and a fully renovated guest bathroom that combines modern design with comfort. This residence offers four generously sized bedrooms, each equipped with ceiling fans and energy-saving LED lighting. The new laminate and tile flooring throughout the house complements the freshly painted interiors, creating a move-in-ready environment. Additional modern comforts include a new HVAC system, a NEST thermostat, and a new water heater. Outside, the rear deck invites you to relax and enjoy the expansive one-acre backyard, perfect for outdoor gatherings or future enhancements. Located in a rapidly growing area with new housing developments just across the street, this property not only provides a private retreat but also promises future appreciation. With no HOA restrictions, you have the freedom to make the most of your large, private yard. Don’t miss this opportunity to own a beautifully renovated home in a thriving community. Contact us today to schedule a viewing

The essentials

Built
1991
Price / sqft
$237
On market
179 days
Annual tax
$783
Flood zone
X · Low risk
Lot
41,580 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
0.95 acres
Lot size
1,200 sqft
Living area

Payment

Est. monthly payment
$1,694/mo
Down payment (20%)
$57,000
Property taxes
$65/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
41,580 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
179
Ceiling Fans(s)
Rain Gutters
Bar Fridge
Cooktop
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$783
Parcel #
24-18-26-0900-000-01300

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
Whidbys Sub
County
Lake
MLS Area
32784 - Umatilla / Dona Vista
Lot Size
41,580 sqft

Price history

Date
Event
Price
6/26/2026
Price change
Source: Stellar MLS #O6401514
$284,999-5.0%
$237/sqft
-
Price change
Source: Stellar MLS #O6401514
$299,999-1.6%
$250/sqft
4/21/2026
Listed for sale
Source: Stellar MLS #O6401514
$304,999
$254/sqft

Neighborhood

38638 Marshall St
Umatilla, FL, 32784 · 32784 - Umatilla / Dona Vista

Market insights

Offer Insights

Choose an offer strength

List price: $284,999
$280,000 – $284,999
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 179 after a $20,000 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
$1,694/mo
Principal & interest$1,486
Property taxes$65
Insurance$142
Down payment20% · $57,000
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%. 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

$284,999

$237 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,200 sq ft

Time on market

179 days

Year built

1991

Monthly payment

About $1,694/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $783 annual tax bill, insurance.

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 byNORKIS & CO REALTYListing agent: Melissa AragonListing data from Stellar MLS, MLS# O6401514.

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