90 GOLFVIEW CIRCLE, UMATILLA, FL, 32784
Active14 days on marketListed Oct 2, 2026MLS #G5118446
About this home
90 GOLFVIEW CIRCLE
Situated on a cul-de-sac with no rear neighbors, this 2 bed/2 bath plus bonus room home in Twin Lakes Estates, a 55+ Gated Community, sits on just over a quarter acre, offering scenic views of nature and exceptional outdoor living space. The light-filled interior features high vaulted ceilings and architectural cutout arches, leading to a functional kitchen defined by ample cabinetry, a breakfast bar, and a bright eat-in dining nook. Designed with a split-bedroom layout for optimal privacy, the primary suite serves as a peaceful retreat with a large walk-in closet and an ensuite bath complete with a spacious vanity, deep soaking tub, and separate glass-enclosed shower. Additional accommodations include a second bedroom featuring a built-in closet, along with a bonus room enhanced with custom built-ins, ideal for use as a home library, office, or hobby room. Outdoor living is effortless with an expansive lanai overlooking the serene green backdrop and enjoy the peekaboo lake view, complemented by an open back deck ideal for sunbathing or grilling. Additional home features include 3M window coating, a dedicated indoor laundry room with built-in cabinetry and a utility sink, as well as an attached two-car garage. Ideally situated in close proximity to the community clubhouse and pool, this home is located in Umatilla’s 55+ gated community of Twin Lakes Estates, featuring scenic lakes, walking trails, and an active calendar of social events. Schedule your personal tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,274
Sqft
0.27 ac
Lot size
2
Garage
2006
Year built
One
Levels
$208
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.
$2,016 /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
$2,016/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.
vs edgeAI estimate
−4.8%
$/sqft vs TWIN LAKES ESTATES
$208 vs $238
Days on market
14 vs 77 typical
Where $208/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
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 → $312K
Umatilla median sold, yr/yr
96.9%
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 5% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 90 GOLFVIEW 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 90 GOLFVIEW CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 90 GOLFVIEW CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
90 GOLFVIEW CIRCLE FAQs
What would the monthly payment be for 90 GOLFVIEW CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,016/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 90 GOLFVIEW 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 90 GOLFVIEW CIRCLE?+
The most recent tax bill on record (2025) was $1,587. 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 90 GOLFVIEW CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $264,500, this home is listed about 23% below the Umatilla median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 90 GOLFVIEW 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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Missy Conway. MLS #G5118446.
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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