13800 COUNTY ROAD 450, UMATILLA, FL, 32784
Active121 days on marketListed Mar 25, 2026MLS #L4960577
About this home
13800 COUNTY ROAD 450
North Lake County Waterfront Ranch and Home is an opportunity to purchase roughly 240 ± acres in an extremely desirable part of Lake County. This property can serve as a secluded home place for an individual or family seeking hunting, fishing, recreational, and ranching opportunities. Combined there is roughly 10,157 ± feet of frontage on multiple lakes with one 4.5-acre lake being completely internal to the property. The ranch is mostly comprised of improved pasture on the south end while transitioning into large live oak hammocks as you head towards the northern boundary. The improved pasture is completely cross fenced with a central penning lane allowing for rotational grazing and easy gathering of cattle. There is a 2,997 ± square foot 3 bedroom, 3 bathroom house that was built in 2008 on site. Additionally, there are other barns and agricultural structures on the ranch as well. There is roughly 1,805 ± feet on road frontage of CR 450 ensuring easy access and land appreciation as a prospective buyer looks into the future. The extensive road frontage could also provide a potential buyer with ability to subdivide whether it be for re-sale or to create a family compound. The cattle and some equipment on the ranch is up for discussion and can be purchased separately should a buyer be interested. Contact Zeb Griffin for more information.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,997
Sqft
240 ac
Lot size
2
Garage
2008
Year built
Two
Levels
$1,251
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.
$22,220 /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
$22,220/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 NA
$1,251 vs $266
Days on market
121 vs 58 typical
Where $1,251/sqft sits among the 127 homes for sale in NA
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)
55 of 127
NA have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1194% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 13800 COUNTY ROAD 450
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$800,000
1751 SW 54TH COURT · same community
5 bd · 2.5 ba · 3,021 sqft · $265/sqft · 108 DOM
Sold · Feb ’26$429,900
37445 GRAYS AIRPORT ROAD · same community
4 bd · 2 ba · 2,496 sqft · $172/sqft · 50 DOM
Sold · Feb ’26$167,000
Carr 681 kM.HM 11.7 BO. ISLOTE SEC MELILLA · same community
3 bd · 1 ba · 3,514 sqft · $48/sqft · 27 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13800 COUNTY ROAD 450 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13800 COUNTY ROAD 450 — 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.
Straight answers
13800 COUNTY ROAD 450 FAQs
What would the monthly payment be for 13800 COUNTY ROAD 450?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,220/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 13800 COUNTY ROAD 450?+
The most recent tax bill on record (2025) was $5,030. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $3,750,000, this home is listed about 1003% above the Umatilla median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13800 COUNTY ROAD 450?+
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
$3,750,000 runs 1194% above the UMATILLA 32784 median — but at 2,997 sqft it's also nearly twice the size of 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.
03Time on market is leverage
121 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 SAUNDERS REAL ESTATE, LLC · Daniel Lanier. MLS #L4960577.
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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