38910 MERRELL AVENUE, UMATILLA, FL, 32784
Active11 days on marketListed Aug 21, 2026MLS #O6433787
About this home
38910 MERRELL AVENUE
Whether you are an investor, first time buyer or looking for your next proyect, this is the chance to secure a great property at a competitive price located in this great area in Umatilla,close to an acre 36,686 sq ft of land! with an option to split the lot, do a new construction and keep the house with biger lot to add a suwimming pool, park your Boat or AV!! This move-in ready property features an open-concept layout perfect for comfortable living and entertaining. Enjoy a stunning kitchen with brand-new cabinets, quartz countertops, a modern backsplash, and new stainless steel appliances. Additional upgrades include new water-resistant laminate flooring, updated bathrooms, a brand-new A/C system, new water heater, new architectural shingle roof, updated light fixtures, and fresh interior and exterior paint. With ample yard space, this home offers endless potential—whether for outdoor entertaining, expansion. Conveniently located near schools shopping, and major highways. A must-see!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,088
Sqft
0.84 ac
Lot size
1950
Year built
One
Levels
$248
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.
$2,081 /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
$2,081/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.
$/sqft vs Umatilla actives
$248 vs $230
Days on market
11 vs 47 typical
Where $248/sqft sits among the 85 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)
37 of 85
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 38910 MERRELL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$284,990
182 BULL FROG LANE
3 bd · 2 ba · 1,302 sqft · $219/sqft · 62 DOM
Sold · May ’26$318,490
992 FAWN GRACE ROAD
3 bd · 2 ba · 1,302 sqft · $245/sqft · 83 DOM
Sold · Nov ’25$290,490
191 AMBERWOOD WAY
3 bd · 2 ba · 1,302 sqft · $223/sqft · 104 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 38910 MERRELL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38910 MERRELL AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38910 MERRELL AVENUE FAQs
What would the monthly payment be for 38910 MERRELL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,081/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 38910 MERRELL AVENUE?+
The most recent tax bill on record (2025) was $2,558. 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 $269,900, this home is listed about 30% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 38910 MERRELL AVENUE?+
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 LA ROSA REALTY CW PROPERTIES L · Julio Chauca. MLS #O6433787.
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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