494 BRAINARD AVENUE, UMATILLA, FL, 32784
Active4 days on marketListed Oct 12, 2026MLS #G5118892
About this home
494 BRAINARD AVENUE
Welcome to this beautifully updated 3-bedroom, 1.5-bath Craftsman cottage in the heart of Umatilla! Full of timeless character and modern improvements, this inviting home has been freshly painted throughout and offers a wonderful blend of classic architectural details and thoughtful upgrades. Major improvements include a metal roof, central heating and air, updated plumbing and electrical, providing a great foundation for comfortable living. The charming curb appeal immediately catches your eye, with a spacious covered front porch and convenient attached carport. Step inside to discover a welcoming living room featuring high ceilings and beautiful period details, including original-style 15-light double French doors, built-in bookshelves, and a built-in desk that add character and functionality. The adjoining dining room showcases a classic tongue-and-groove wood ceiling, creating a warm and distinctive space for gathering with family and friends. French doors off the dining room lead to a versatile bonus room with its own exterior entrance. Whether you envision a private studio, home office, hobby room, or creative retreat, this flexible space offers plenty of possibilities. The kitchen beautifully combines character and modern style. Original hardwood cabinetry has been refreshed with new paint and hardware, while additional shaker-style cabinetry and a classic butcher-block countertop provide extra workspace beside the stove. A tile backsplash, range hood, open shelving, and high-end Samsung appliances complete this inviting kitchen, making it a great space for everyday cooking and entertaining. Convenience continues with an interior laundry area just off the kitchen and rear hallway, thoughtfully tucked away behind smoked-glass doors for a clean, streamlined appearance. Out back, enjoy a fenced backyard featuring a dedicated fire pit area, perfect for relaxing outdoors or gathering with friends. The generous lot offers room to garden, create additional outdoor living space, or explore the possibilities of adding a garage or workshop. Full of Craftsman charm, fresh updates, and versatile living spaces, this delightful Umatilla cottage offers character, functionality, and room to make it your own—all in a convenient location close to the heart of town.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,374
Sqft
0.25 ac
Lot size
1926
Year built
One
Levels
$218
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.
$2,365 /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
$2,365/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
+10.3%
$/sqft vs Umatilla actives
$218 vs $224
Days on market
4 vs 76 typical
Where $218/sqft sits among the 70 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 → $312K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
33 of 70
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 494 BRAINARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$340,000
508 OSCEOLA BOULEVARD · same community
4 bd · 2 ba · 1,644 sqft · $207/sqft · 43 DOM
Sold · Feb ’26$132,500
470 OGDEN AVENUE · same community
2 bd · 1 ba · 992 sqft · $134/sqft · 1 DOM
Sold · Jul ’26$215,000
431 EDGEWATER AVENUE · same community
3 bd · 1 ba · 960 sqft · $224/sqft · 33 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 494 BRAINARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 494 BRAINARD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
494 BRAINARD AVENUE FAQs
What would the monthly payment be for 494 BRAINARD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,365/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 494 BRAINARD AVENUE?+
The most recent tax bill on record (2025) was $3,752. 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 $299,000, this home is listed about 14% below the Umatilla median of $347,450. The market section on this page shows how the area is trending.
Which schools are assigned to 494 BRAINARD AVENUE?+
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 RIGHT REALTY CONNECTION, INC. · Geoffrey Chernault. MLS #G5118892.
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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