40090 COUNTY RD 439, UMATILLA, FL, 32784
Active19 days on marketListed Sep 27, 2026MLS #V4951398
About this home
40090 COUNTY RD 439
Welcome to wide-open country living! Set on 4.81 peaceful acres, this beautifully maintained 2020 manufactured home offers 1,944 square feet, 4 bedrooms and 2 baths, with plenty of room both inside and out to spread out, slow down and enjoy a little more breathing room. Step inside to a bright, open floor plan filled with natural light and accented by crown molding throughout, giving the home a polished touch while still keeping that comfortable country feel. The spacious living areas flow easily together, making everyday living simple and giving you plenty of room for family gatherings, entertaining or just relaxing at home. The primary suite offers a quiet retreat with a generous walk-in closet, while the additional bedrooms provide plenty of space for family, guests, an office or hobby room. With four bedrooms, there is room here to fit just about every stage of life. Outside is where this property really shines. With 4.81 acres, you have room to enjoy the outdoors, create a garden, bring your toys, add recreational space or simply enjoy the privacy and peaceful surroundings that acreage provides. A deck added in 2024 gives you the perfect spot to watch the deer with morning coffee, evening sunsets or simply sitting back and enjoying the quiet. The property also features a 30x30 metal workshop built in 2024, offering excellent space for projects, equipment, storage, vehicles or hobbies. A water softener added in 2021 is another thoughtful upgrade that adds everyday convenience. Whether you are dreaming of a quieter lifestyle, more room for your family, space for your hobbies or simply a place where you can stretch out and enjoy the outdoors, this property delivers the kind of freedom that is getting harder to find. Nearly five acres, a spacious 2020 home, a 30x30 workshop, a newer deck, and room to live life your way—welcome to country living! ***Because of restricted airspace, drone photos are not available.*** CHECK OUT THE TWO VIDEOS Please note that all information and measurements are intended to be accurate but are not guaranteed. Buyers and their agents should verify all property details, including zoning, schools, HOA rules, pet policies, and other potential uses important to buyers.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,944
Sqft
4.81 ac
Lot size
2020
Year built
One
Levels
$244
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.
$3,387 /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
$3,387/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
+53.5%
$/sqft vs Umatilla actives
$244 vs $222
Days on market
19 vs 76 typical
Where $244/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 70% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 40090 COUNTY RD 439
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$688,000
40535 LOUISE ROAD
4 bd · 2 ba · 2,018 sqft · $341/sqft · 199 DOM
Sold · May ’26$365,000
40130 COUNTY ROAD 439
4 bd · 2.5 ba · 1,650 sqft · $221/sqft · 166 DOM
Sold · Feb ’26$750,000
22241 DEER PARK AVENUE
3 bd · 2.5 ba · 2,455 sqft · $305/sqft · 4 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 40090 COUNTY RD 439 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40090 COUNTY RD 439 — 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
40090 COUNTY RD 439 FAQs
What would the monthly payment be for 40090 COUNTY RD 439?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,387/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 40090 COUNTY RD 439?+
The most recent tax bill on record (2025) was $2,660. 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 40090 COUNTY RD 439?+
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 $474,900, this home is listed about 37% above the Umatilla median of $347,450. The market section on this page shows how the area is trending.
Which schools are assigned to 40090 COUNTY RD 439?+
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 WATSON REALTY CORP · Sherri King. MLS #V4951398.
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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