CENTURY 21 Edge
$120,0003 bd1 ba1,280 sqft$94 /sqft≈$1,104 /mo all-in ↓

14965 SE 217TH TERRACE, UMATILLA, FL, 32784

Active11 days on marketListed Oct 5, 2026MLS #G5118589

✦ Priced 57% below the UMATILLA 32784 medianSingle Family ResidenceFRST LAKE CAPSITES

About this home

14965 SE 217TH TERRACE

Opportunity to own a single-family home surrounded by the beauty and privacy of the National Forest with a LARGE amount of land! This property offers a unique opportunity for someone looking for space, privacy, and the chance to bring a property back to life. There are two addresses associated with the property, and the seller will provide a survey showing the large second parcel. The seller would like to sell the home and land together and does not want to divide the property, giving the next owner the opportunity to take advantage of the full land offering. The home is a fixer-upper and will need attention, including areas of termite damage. The roof is also leaking above the fireplace and will need to be addressed. This property is best suited for a buyer who is willing to put in the work and see the potential in the home and the substantial amount of land that comes with it. Do your due diligence! Buyers and their agents should verify the acreage, parcel boundaries, addresses, legal descriptions, zoning, access, easements, and any other information important to the buyer. The county property appraiser/mapping records and the seller-provided survey should be reviewed and compared as part of the buyer's due diligence. If you've been looking for a home with a LOT of land, privacy, and the opportunity to create something of your own, this one is worth taking a closer look at. Come see the property, walk the land, and decide for yourself what this opportunity could become! Seller is ready to move on and is looking for a buyer who can see the potential and take on the project. Schedule your showing today!

Facts & features

The home at a glance

3

Bedrooms

1

Bathrooms

1,280

Sqft

1.25 ac

Lot size

1973

Year built

One

Levels

$94

Per sqft

FireplaceNegotiable

Inside

FlooringLaminate · Hardwood
AppliancesDryer · Range · Refrigerator · Washer
InteriorOpen Floorplan
LaundryInside
CoolingWall/Window Unit(s)
HeatingWall Units / Window Unit
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationPillar/Post/Pier
FacesSouthwest
ExteriorPrivate Entrance

Community & fees

Taxes (2025)$2,208/yr

Utilities & systems

UtilitiesElectricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,104 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$706
FHA mortgage insurance (est.)$53
Property tax — 2025 actual bill$184
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,200Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,200
Interest rate6.00%
Loan term

Estimated payment

$1,104/mo

Principal & interest$706
FHA mortgage insurance (est.)$53
Property taxes (actual bill)$184
Est. insurance$160

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.

List $120K
$112KedgeAI estimate $129,954 · range $117K–$143K$149K

vs edgeAI estimate

−7.7%

$/sqft vs Umatilla actives

$94 vs $219

Days on market

11 vs 76 typical

Where $94/sqft sits among the 75 Umatilla actives

21 · this home
35
6
4
2
7
$89–183$183–276$276–370$370–464$464–557$557+

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

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

ElementaryUmatilla Elementary School★★★★★
HighUmatilla High School★★★★★
MiddleUmatilla Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Umatilla market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$332K → $312K

Umatilla median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

34 of 75

Umatilla actives have cut their price

Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 57% below the UMATILLA 32784 median. See the full Umatilla market guide →

Paper trail

This home's history

Oct 5, 2026Listed at $120,000 · 11 days on market since
1973Built · FRST LAKE CAPSITES

Reality check

What actually sold near 14965 SE 217TH TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

20877 SE 143RD PLACESold · Aug ’26

$69,000

20877 SE 143RD PLACE

3 bd · 1 ba · 1,295 sqft · $53/sqft · 21 DOM

20735 SE HIGHWAY 42Sold · Mar ’26

$195,000

20735 SE HIGHWAY 42

3 bd · 1 ba · 1,150 sqft · $170/sqft · 17 DOM

15345 SE 182ND AVENUE ROADSold · Aug ’26

$183,500

15345 SE 182ND AVENUE ROAD

3 bd · 2 ba · 1,680 sqft · $109/sqft · 0 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.

Seth Cabrera - Rothschild

Your agent

Seth Cabrera - Rothschild

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 14965 SE 217TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14965 SE 217TH TERRACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

14965 SE 217TH TERRACE FAQs

What would the monthly payment be for 14965 SE 217TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,104/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 14965 SE 217TH TERRACE?+

The most recent tax bill on record (2025) was $2,208. 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 $120,000, this home is listed about 65% below the Umatilla median of $347,450. The market section on this page shows how the area is trending.

Which schools are assigned to 14965 SE 217TH TERRACE?+

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.

Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Coach Torrance, II. MLS #G5118589.

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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