34146 UMBRELLA ROCK DRIVE, WEBSTER, FL, 33597
Active24 days on marketListed Aug 11, 2026MLS #A4702594
About this home
34146 UMBRELLA ROCK DRIVE
The property has not experienced flooding, including during recent major hurricanes. Cedar-sided 3-bedroom, 3-bath single-family home on 1.2 acres in Ridge Manor Estates, offering privacy, character, and plenty of space without an HOA. The home features an open floor plan with a wood-burning fireplace, along with updated flooring, lighting, interior and exterior doors, windows, and electrical fixtures. The kitchen and living areas have been opened up to create a more spacious flow throughout the home. Major systems have also been updated, including a newer roof, HVAC system, water heater, and well pump. A whole-house water filtration system provides additional water treatment for the property. The utility room has been converted into a dedicated office with a window A/C unit, providing a flexible workspace or additional room for a variety of uses. Outside, the property offers 1.2 acres with mature trees, established landscaping, and a deck for enjoying the surrounding natural setting. The cedar exterior adds character that is uncommon among newer homes, while the acreage provides room for outdoor living, gardening, pets, or simply enjoying the privacy of the property. Located in Ridge Manor Estates with convenient access to major roads and nearby amenities. The property is served by a private well and septic system.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,081
Sqft
1.19 ac
Lot size
1992
Year built
One
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,099 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,099/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs RIDGE MANOR ESTATE
$201 vs $341
Days on market
24 vs 43 typical
Where $201/sqft sits among the 10 homes for sale in RIDGE MANOR ESTATE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Webster
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Webster. See the full Webster guide →
WEBSTER 33597 — neighborhood snapshot
Population
9,424
Median age
42.7
Median income
$61,563
Median home value
$214,500
Avg household
2.64
Households w/ children
919
For the school run
Sumter County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Webster market
$240K → $274K
Webster median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
5 of 10
RIDGE MANOR ESTATE have cut their price
Median sold price, Webster, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 459% above the WEBSTER 33597 median. See the full Webster market guide →
Paper trail
This home's history
Reality check
What actually sold near 34146 UMBRELLA ROCK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$465,000
33433 LOOP COURT · same community
4 bd · 3 ba · 2,334 sqft · $199/sqft · 322 DOM
Sold · Jan ’26$500,000
34020 CORNERSTONE DR · same community
3 bd · 2 ba · 1,709 sqft · $293/sqft · 75 DOM
Sold · Jun ’26$415,000
9342 WHEYSTONE DRIVE · same community
3 bd · 2 ba · 1,683 sqft · $247/sqft · 78 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 34146 UMBRELLA ROCK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34146 UMBRELLA ROCK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
34146 UMBRELLA ROCK DRIVE FAQs
What would the monthly payment be for 34146 UMBRELLA ROCK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,099/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 34146 UMBRELLA ROCK DRIVE?+
The most recent tax bill on record (2025) was $3,446. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 34146 UMBRELLA ROCK DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Webster?+
At $419,000, this home is listed about 49% above the Webster median of $282,000. The market section on this page shows how the area is trending.
Which schools are assigned to 34146 UMBRELLA ROCK DRIVE?+
South Sumter Middle School (middle), Webster Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SAVVY AVENUE, LLC · Moe Mossa. MLS #A4702594.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Webster homes, in your inbox
Like 34146 UMBRELLA ROCK DRIVE but not quite? A daily digest of every new listing in Webster — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →