81 FAIRWAY CIRCLE, UMATILLA, FL, 32784
Active68 days on marketListed Aug 31, 2026MLS #G5115306
About this home
81 FAIRWAY CIRCLE
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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,538
Sqft
0.31 ac
Lot size
2
Garage
2006
Year built
One
Levels
$240
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 and the real association fee — not generic estimates.
$3,129 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,129/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
vs edgeAI estimate
+10%
$/sqft vs TWIN LAKES ESTATES
$240 vs $232
Days on market
68 vs 79 typical
Where $240/sqft sits among the 6 homes for sale in TWIN LAKES ESTATES
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 Umatilla
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Umatilla. See the full Umatilla guide →
UMATILLA 32784 — neighborhood snapshot
Population
10,019
Median age
45.6
Median income
$72,201
Median home value
$272,800
Avg household
2.44
Households w/ children
1,193
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Umatilla market
$326K → $316K
Umatilla median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
4 of 6
TWIN LAKES ESTATES have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 81 FAIRWAY CIRCLE
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$348,000
7522 LOVELY LANE · same community
3 bd · 2 ba · 1,386 sqft · $251/sqft · 13 DOM
Sold · Jul ’26$382,000
95 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $212/sqft · 0 DOM
Sold · Jul ’26$375,000
100 FAIRWAY CIRCLE · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 58 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 81 FAIRWAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 81 FAIRWAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
81 FAIRWAY CIRCLE FAQs
What would the monthly payment be for 81 FAIRWAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,129/mo — principal and interest, the actual property-tax bill, the $50/mo association fee 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.
How much are the HOA fees at 81 FAIRWAY CIRCLE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 81 FAIRWAY CIRCLE?+
The most recent tax bill on record (2025) was $2,666. 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 81 FAIRWAY CIRCLE?+
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 Umatilla?+
At $369,000, this home is listed about 9% above the Umatilla median of $337,500. The market section on this page shows how the area is trending.
Which schools are assigned to 81 FAIRWAY CIRCLE?+
Umatilla Elementary School (elementary), Umatilla High School (high), Umatilla Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$369,000 runs 38% above the UMATILLA 32784 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $374,900, now $369,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER VANGUARD EDGE REALTY · Lori Reisman, P.A. MLS #G5115306.
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 Umatilla homes, in your inbox
Like 81 FAIRWAY CIRCLE but not quite? A daily digest of every new listing in Umatilla — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →