3597 UMBRELLA COURT, TAVARES, FL, 32778
Active366 days on marketListed Aug 13, 2025MLS #O6332490
About this home
3597 UMBRELLA COURT
Welcome to your dream home in the desirable Oak Bend community. Enjoy $10,000 towards your closing costs by working with our lender. This beautifully maintained, two-story single-family residence boasts a spacious, family-friendly design, perfect for creating lasting memories. Built in 2014, this energy-efficient home features a modern aesthetic with recent updates, including new appliances and fresh paint in 2023, ensuring a move-in ready experience. Situated on a peaceful cul-de-sac, this home offers a perfect retreat with a low-maintenance backyard, complete with a covered paved patio and a cozy fire pit area—ideal for relaxing evenings and entertaining guests. This property features a 2-car garage, providing ample parking and storage. The gated community offers exclusive access to a sparkling pool and playground, making it an ideal environment for families seeking safety and recreation. Located just a short drive from Hickory Pointe Park, Downtown Mount Dora, Tavares, and the Florida Turnpike, this home combines tranquility with convenience. Step inside to discover a thoughtfully designed interior. The family room and dining area, freshly painted in 2023, create a welcoming space for gatherings. The spacious bedrooms, all located upstairs and also painted in 2023, feature built-in closets, offering plenty of storage. The kitchen is a chef’s delight, It offers modern cabinetry and a functional layout conducive to family meals and entertaining. The backyard, redone in 2023, features lush grass turf and new patio pavers—perfect for outdoor enjoyment. Residents enjoy access to a community pool within this gated neighborhood, enhancing the lifestyle of leisure and relaxation. The prime location in Tavares, known as the Sea Plane capital, offers lakeside activities just across the street, including fishing, boating, and scenic parks. Recreational parks with picnic areas, piers, sand volleyball, and magnificent lake views are within 2-3 miles, providing endless outdoor fun. Don’t miss the opportunity to own this exceptional home in a prime location! Act now to schedule your private tour and make this stunning property yours today. Your perfect family lifestyle awaits!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,344
Sqft
0.13 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$160
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.
$3,081 /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
$3,081/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
−1.2%
$/sqft vs Tavares actives
$160 vs $192
Days on market
366 vs 49 typical
Where $160/sqft sits among the 246 Tavares 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 Tavares
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tavares. See the full Tavares guide →
TAVARES 32778 — neighborhood snapshot
Population
25,099
Median age
53.8
Median income
$61,815
Median home value
$241,500
Avg household
2.16
Households w/ children
2,209
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tavares market
$318K → $306K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
119 of 246
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3597 UMBRELLA COURT
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$324,000
3633 UMBRELLA COURT · same community
5 bd · 2.5 ba · 2,887 sqft · $112/sqft · 40 DOM
Sold · Oct ’25$415,000
5101 GRASSY KNOLL DRIVE · same community
4 bd · 2.5 ba · 2,889 sqft · $144/sqft · 55 DOM
Sold · Aug ’26$301,500
3631 BLACK DOG COURT · same community
3 bd · 2 ba · 1,747 sqft · $173/sqft · 43 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3597 UMBRELLA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3597 UMBRELLA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3597 UMBRELLA COURT FAQs
What would the monthly payment be for 3597 UMBRELLA COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,081/mo — principal and interest, the actual property-tax bill, the $102/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 3597 UMBRELLA COURT?+
The association fee works out to $102 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3597 UMBRELLA COURT?+
The most recent tax bill on record (2024) was $5,352. 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 3597 UMBRELLA COURT?+
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 Tavares?+
At $374,900, this home is listed about 14% above the Tavares median of $329,740. The market section on this page shows how the area is trending.
Which schools are assigned to 3597 UMBRELLA COURT?+
Tavares High School (high), Tavares Elementary School (elementary), Tavares Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$374,900 runs 16% above the TAVARES 32778 median — but at 2,344 sqft it's also 38% larger than the typical Tavares listing.
02Time on market is leverage
366 days on market against a Tavares median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,000, now $374,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TOP FLORIDA HOMES · Gisele Kolbrich. MLS #O6332490.
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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