Steeve Cadeau
$1,389,0003 bd2.5 ba2,711 sqft$512 /sqft$8,399 /mo all-in ↓

39411 COUNTY ROAD 439, UMATILLA, FL, 32784

Active1 days on marketListed Jul 27, 2026MLS #G5115360

WaterfrontSingle Family ResidenceLAKE MURPHY ESTATES

About this home

39411 COUNTY ROAD 439

Nestled beneath a canopy of majestic oak trees along nearly 300 feet of pristine Lake Murphy frontage, this extraordinary custom-built estate embodies the charm of Old Florida with the luxury and craftsmanship today's discerning buyer desires. Enjoy breathtaking west-facing sunsets and peaceful views of the neighboring cattle pasture, all while being just minutes from Mount Dora, Eustis, and Tavares. Bring the boat, Lake Murphy is a private skiable lake, offering endless opportunities for watersports, fishing, and sunsets right from your backyard. Built in 2009 and used primarily as a vacation home until recently, this meticulously maintained 3-bedroom, 2.5-bath residence offers over 2,700 square feet of thoughtfully designed living space. Soaring 10-foot ceilings, custom mahogany entry doors, handcrafted cabinetry, and stunning white oak flooring showcase the exceptional quality found throughout. The gourmet kitchen is a chef's dream, featuring GE Monogram appliances, Thermador cooking equipment, a farmhouse sink, warming drawer, built-in microwave, wine cooler, custom cabinetry, and a refrigerator that's only one year old. Designed to embrace its stunning surroundings, nearly every room opens onto expansive porches or balconies overlooking the lake. The luxurious primary on-suite bath features marble countertops, a spa-inspired walk-in shower with full-body spray jets, and plumbing already in place for a freestanding soaking tub. Exceptional craftsmanship continues throughout the home with custom wood columns and a fireplace mantel milled from trees harvested directly from the property. Additional features include a remote-controlled gas fireplace, whole-home surround sound with individual room controls, security system with glass-break sensors and door monitoring, authentic brick-floored mudroom, two HVAC systems (one replaced approximately two years ago). The beautifully landscaped grounds include mature trees and a 20-zone irrigation system to maintain the lush setting year-round. Zoned for horses and chickens, this property offers the perfect blend of luxury estate and country lifestyle, bring the farm and enjoy the freedom to create your own private homestead while still living on the water. The detached 3,300+ square-foot garage provides space for four vehicles and includes an unfinished 1,400-square-foot upper level ready to become a guest suite, home office, studio, multigenerational living space, income-producing apartment, or even a boutique event venue (subject to county approval). For those seeking even more privacy, the seller may consider selling the adjoining five-acre parcel with the home, creating the opportunity for an extraordinary family compound or expanded equestrian estate. The parcel will not be sold separately. A new architectural shingle roof was installed in 2024 over a peel-and-stick waterproof membrane for enhanced protection and potential insurance savings. Properties of this caliber are rarely available in Lake County. Offering timeless architecture, unmatched craftsmanship, incredible waterfront views, skiable lake access, equestrian and hobby farm potential, and endless possibilities, this is more than a home—it's a legacy estate built to be treasured for generations.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,711

Sqft

6.89 ac

Lot size

4

Garage

2009

Year built

Two

Levels

$512

Per sqft

WaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringCarpet · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Microwave · Refrigerator · Wine Refrigerator
InteriorOpen Floorplan · PrimaryBedroom Upstairs
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMembrane · Shingle
ConstructionMetal Frame
FoundationSlab
ViewWater
FacesEast
ParkingDriveway
ExteriorBalcony

Community & fees

Taxes (2025)$2,679/yr
PetsYes

Utilities & systems

UtilitiesPublic
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,399 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,495
PMI (est., until 20% equity)$521
Property tax — 2025 actual bill$223
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $138,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $138,900
Interest rate6.00%
Loan term

Estimated payment

$8,399/mo

Principal & interest$7,495
PMI (est., until 20% equity)$521
Property taxes (actual bill)$223
Est. insurance$160

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

$512 vs $222

Days on market

1 vs 58 typical

Where $512/sqft sits among the 74 Umatilla actives

23
29
9
5
2 · this home
6
$94–187$187–280$280–373$373–465$465–558$558+

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

Map of 39411 COUNTY ROAD 439

Drive times from this address

Downtown Orlando52 min
Universal Orlando57 min
Walt Disney World63 min
Orlando Int’l Airport (MCO)68 min

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

MiddleUmatilla Middle School★★★★★
HighUmatilla High School★★★★★
ElementaryUmatilla Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Umatilla market

Seller’s marketBalanced5.2 months of inventoryBuyer’s 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 377% above the UMATILLA 32784 median. See the full Umatilla market guide →

Paper trail

This home's history

Jul 27, 2026Listed at $1,389,000 · 1 days on market since
2009Built · LAKE MURPHY ESTATES

Reality check

What actually sold near 39411 COUNTY ROAD 439

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

39623 COUNTY ROAD 439Sold · May ’26

$1,200,000

39623 COUNTY ROAD 439 · same community

4 bd · 3 ba · 2,616 sqft · $459/sqft · 141 DOM

22241 DEER PARK AVENUESold · Feb ’26

$750,000

22241 DEER PARK AVENUE

3 bd · 2.5 ba · 2,455 sqft · $305/sqft · 4 DOM

38510 COUNTY ROAD 439Sold · Oct ’25

$150,103

38510 COUNTY ROAD 439

3 bd · 2 ba · 2,052 sqft · $73/sqft · 3 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 39411 COUNTY ROAD 439 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 39411 COUNTY ROAD 439 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

39411 COUNTY ROAD 439 FAQs

What would the monthly payment be for 39411 COUNTY ROAD 439?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,399/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 39411 COUNTY ROAD 439?+

The most recent tax bill on record (2025) was $2,679. 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 39411 COUNTY ROAD 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 $1,389,000, this home is listed about 309% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 39411 COUNTY ROAD 439?+

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

$1,389,000 runs 377% above the UMATILLA 32784 median — but at 2,711 sqft it's also 63% larger than the typical Umatilla listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Umatilla market that averages 58 — if it fits, move quickly.

Listing courtesy of LAKE LIFE REALTY · Brandy Lake. MLS #G5115360.

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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