38345 LAKE MEADOW COURT, UMATILLA, FL, 32784
Active20 days on marketListed Sep 2, 2026MLS #O6438774
About this home
38345 LAKE MEADOW COURT
BUILD YOUR DREAM HOME IN SHORELINE RANCH! Discover an exceptional opportunity to build in one of Central Florida’s distinctive gated communities, where generous homesites, privacy and lake access come together in a beautiful setting. Shoreline Ranch offers something increasingly difficult to find—a peaceful neighborhood atmosphere with private resident access to Lake Dalhousie, a gorgeous spring-fed, sandy-bottom lake known for boating, fishing and year-round water recreation. A private community boat ramp makes it easy to enjoy the lake whenever the mood strikes, while your own homesite provides the space to create the Florida home and lifestyle you’ve envisioned. Best of all, you have options when it comes to building. Work with Precision Builders of Central Florida and choose from thoughtfully designed plans already available, create a completely custom home, or bring an approved builder of your choice. Enjoy the tranquility of a gated lake community without sacrificing convenience. Shoreline Ranch is within easy reach of Publix, shopping, dining and everyday necessities, while the shops, restaurants, festivals and charm of historic Downtown Mount Dora are just a short drive away. Whether you envision a sophisticated custom residence, a relaxed Florida retreat or your forever home, this homesite offers the setting, flexibility and lifestyle to make it your own. Bring your plans, bring your builder and start creating something extraordinary at Shoreline Ranch.
Facts & features
The home at a glance
1.24 ac
Lot size
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.
$1,282 /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
$1,282/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.
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)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 38345 LAKE MEADOW COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$600,000
37041 N THRILL HILL ROAD
4 bd · 3 ba · 1,941 sqft · $309/sqft · 114 DOM
Sold · Nov ’25$699,900
38805 RANCH GATE BOULEVARD
4 bd · 2 ba · 2,039 sqft · $343/sqft · 284 DOM
Sold · Feb ’26$675,000
38901 COUNTY ROAD 44A
3 bd · 2 ba · 2,106 sqft · $321/sqft · 13 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38345 LAKE MEADOW COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38345 LAKE MEADOW COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38345 LAKE MEADOW COURT FAQs
What would the monthly payment be for 38345 LAKE MEADOW COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,282/mo — principal and interest, the actual property-tax bill, the $133/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 38345 LAKE MEADOW COURT?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38345 LAKE MEADOW COURT?+
The most recent tax bill on record (2025) was $1,614. 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 38345 LAKE MEADOW COURT?+
The listing reports pets: 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 $134,999, this home is listed about 65% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 38345 LAKE MEADOW COURT?+
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 HEIRLOOM REALTY INTERNATIONAL · Elizabeth Downes. MLS #O6438774.
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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