38797 RANCH GATE BOULEVARD, UMATILLA, FL, 32784
Active2 days on marketListed Jul 21, 2026MLS #G5115367
About this home
38797 RANCH GATE BOULEVARD
Pre-Construction. To be built. Welcome to Shoreline Ranch. This is a gated lakefront community. Rendering and floor plan show one possible home design that could be built on this lot. Not existing structure. This proposed lot and well-appointed home package is $690,900. Offering custom home packages by American Family Homes Inc the preferred builder. Build your dream home here and enjoy the breathtaking views year-round. The right lot shapes the way your home looks and feels, from the stunning views out your windows to the natural light that brightens your living space. In front of the gate there will be a sign with the gate code to enter into the community. Contact us today to schedule an appointment.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,431
Sqft
1.12 ac
Lot size
2
Garage
2027
Year built
One
Levels
$284
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.
$4,416 /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
$4,416/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
$284 vs $220
Days on market
2 vs 58 typical
Where $284/sqft sits among the 74 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)
42 of 74
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 38797 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 38797 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 38797 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
38797 RANCH GATE BOULEVARD FAQs
What would the monthly payment be for 38797 RANCH GATE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,416/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 38797 RANCH GATE BOULEVARD?+
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 38797 RANCH GATE BOULEVARD?+
The most recent tax bill on record (2025) was $1,629. 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 38797 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 $690,900, this home is listed about 103% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38797 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.
Keep looking
Similar homes nearby
Listing courtesy of HOMETOWN REALTY PROFESSIONAL I · Mike Neace. MLS #G5115367.
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.
Never miss a listing
New Umatilla homes, in your inbox
Like 38797 RANCH GATE BOULEVARD but not quite? A daily digest of every new listing in Umatilla — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →