38801 RANCH GATE BOULEVARD, UMATILLA, FL, 32784
Active149 days on marketListed Feb 25, 2026MLS #G5108742
Come see it
Upcoming open house
Sun, Jul 26
11:00 AM – 4:00 PM
About this home
38801 RANCH GATE BOULEVARD
Welcome to Shoreline Ranch Community. Please use the gate code listed on the sign out front of the community for access. This beautiful 4 bedroom, 2 bathroom home with stunning landscaping on a 1 acre lot is located in Lake County, FL. Features include floating cabinets with LED lighting in both bathrooms, a heated pool with screen enclosure, abundant storage space, undermount sinks, an EV charger installed in the garage, a stunning vapor fireplace with TV, community boat ramp and dock access, professionally landscaped lawn, kitchen backsplash, pavers on the front and rear porch, and a pantry with cabinets. Contact us today to schedule a showing. **This is a Builder Model. Please note that occupancy will not be available until December 2026.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,112
Sqft
1.1 ac
Lot size
2
Garage
2026
Year built
One
Levels
$364
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.
$5,252 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,252/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$364 vs $220
Days on market
149 vs 58 typical
Where $364/sqft sits among the 73 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 → $323K
Umatilla median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
41 of 73
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 165% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 38801 RANCH GATE BOULEVARD
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$699,900
38805 RANCH GATE BOULEVARD · same community
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
Sold · Mar ’26$700,000
38218 SABAL WAY
4 bd · 3 ba · 3,836 sqft · $182/sqft · 89 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38801 RANCH GATE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38801 RANCH GATE BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
38801 RANCH GATE BOULEVARD FAQs
What would the monthly payment be for 38801 RANCH GATE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,252/mo — principal and interest, the actual property-tax bill, the $125/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 38801 RANCH GATE BOULEVARD?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38801 RANCH GATE BOULEVARD?+
The most recent tax bill on record (2024) was $6,349. 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 38801 RANCH GATE BOULEVARD?+
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 $769,000, this home is listed about 126% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38801 RANCH GATE BOULEVARD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$769,000 runs 165% above the UMATILLA 32784 median — but at 2,112 sqft it's also 27% larger than the typical Umatilla listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
149 days on market against a Umatilla median of 58 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY PROFESSIONAL I · Mike Neace. MLS #G5108742.
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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