77 FAIRWAY CIRCLE UNIT 101, UMATILLA, FL, 32784
Active33 days on marketListed Aug 20, 2026MLS #G5116289
About this home
77 FAIRWAY CIRCLE UNIT 101
This land can be purchased with NO MONEY DOWN or NO INCOME VERIFICATION! Waterfront Living in Twin Lake Estates! Build the home of your dreams on this beautiful high-and-dry waterfront homesite in Twin Lake Estates, a welcoming 55+ community offering an exceptional lifestyle and an abundance of amenities. Imagine designing and building your perfect home while enjoying peaceful waterfront surroundings and the convenience of an active, social community. Residents can take advantage of a clubhouse, swimming pool, walking and jogging trails, biking areas, and regular community social events. Providing plenty of opportunities for recreation, relaxation, and meeting neighbors. Whether you're looking to create a peaceful retreat or an active Florida lifestyle, this property offers the perfect opportunity to make your vision a reality. Bring your plans, bring your dreams, and build the waterfront home you've always wanted!
Facts & features
The home at a glance
0.27 ac
Lot size
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.
$741 /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
$741/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.
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
9,859
Median age
45.2
Median income
$69,633
Median home value
$237,300
Avg household
2.47
Households w/ children
1,175
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
$332K → $328K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 77 FAIRWAY CIRCLE UNIT 101
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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 77 FAIRWAY CIRCLE UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 77 FAIRWAY CIRCLE UNIT 101 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
77 FAIRWAY CIRCLE UNIT 101 FAQs
What would the monthly payment be for 77 FAIRWAY CIRCLE UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $741/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 77 FAIRWAY CIRCLE UNIT 101?+
The most recent tax bill on record (2025) was $969. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $79,000, this home is listed about 79% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 77 FAIRWAY CIRCLE UNIT 101?+
Umatilla Middle School (middle), Umatilla High School (high), Umatilla Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Bernadette Cipilewski. MLS #G5116289.
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.
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