16800 SE 249TH TERRACE, UMATILLA, FL, 32784
Active19 days on marketListed Sep 3, 2026MLS #G5116955
About this home
16800 SE 249TH TERRACE
Welcome to your peaceful slice of Florida! Nestled on an expansive, fully fenced 0.75-acre lot in a quiet rural setting, this beautifully maintained triple-wide mobile home offers the perfect blend of space, privacy, and country living, just minutes from everyday conveniences. This move-in-ready home features 3 bedrooms, 2 bathrooms, and over 2,190 square feet of living space, with room to spread out, entertain, and truly enjoy the property. But there's more: an additional parcel has been added to the lot, bringing the total to a full 0.75 acres — included in the price of the home. Both parcels have its own entrance in the front. And here's the bonus buyers are looking for: a spacious shed on the property offers incredible flexibility — convert it into a mother-in-law suite, guest quarters, home office, or rental unit. With R4 zoning, the possibilities go beyond a single-family residence, making this an ideal opportunity for multi-generational living or investment potential. Enjoy fully fenced grounds bursting with mature fruit trees featuring over 11 different varieties a true edible oasis — plus plenty of space for chickens, goats, gardening, and other country-living pursuits. Bring your farm animals! All this just a short drive from Lady Lake and the U.S. 441 corridor, with easy access to Sam's Club, BJ's Wholesale, grocery stores, shopping, and dining. Space, privacy, income potential, room to grow, and an orchard of your own — this exceptional property truly offers two opportunities for the price of one. Don't miss it!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,190
Sqft
0.75 ac
Lot size
1995
Year built
One
Levels
$135
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.
$2,189 /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
$2,189/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 Umatilla actives
$135 vs $234
Days on market
19 vs 47 typical
Where $135/sqft sits among the 67 Umatilla actives
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
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)
33 of 67
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 16800 SE 249TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$118,000
24545 SE HIGHWAY 450
3 bd · 2 ba · 2,016 sqft · $59/sqft · 12 DOM
Sold · Aug ’26$169,900
16955 SE 249TH TERRACE
3 bd · 2 ba · 1,965 sqft · $86/sqft · 12 DOM
Sold · Oct ’25$140,000
17080 SE 251ST TER
3 bd · 2 ba · 1,700 sqft · $82/sqft · 2 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 16800 SE 249TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16800 SE 249TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16800 SE 249TH TERRACE FAQs
What would the monthly payment be for 16800 SE 249TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,189/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 16800 SE 249TH TERRACE?+
The most recent tax bill on record (2025) was $1,939. 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 16800 SE 249TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $295,000, this home is listed about 23% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 16800 SE 249TH TERRACE?+
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 EMPIRE NETWORK REALTY · Yindy Reyes. MLS #G5116955.
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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