39623 COUNTY ROAD 439, Umatilla, FL, 32784 | $1,300,000

Lakefront Living with Room to Breathe!! This amazing 4 bedroom 2 bath plus 2 half bath home is where rustic elegance meets waterfront serenity! Nestled on 3. 88 acres this home combines craftmanship and comfort. From the moment you enter the gated entry, you will fall in love with the expansive layout of the property from the house to the shops. Leading inside, the stunning walk way and grand entrance are sure to catch your eye. The great room features towering ceilings lined with cedar that create a warm and inviting atmosphere while the expansive windows showcase panoramic lake views! The wide open floor plan is great for entertaining. Updated kitchen with great cabinet and counter space. Another great space in this home is the additional den/office that also has lakeview! Primary suite with walk in closet with built in's and glass sliders that lead to the back patio. Split bedroom 2 and 3 with connecting bathroom. Bedroom #2 with glass sliders that lead to private porch area. As you make your way into the MASSIVE garage, there is a staircase that leads to a large room with closet that could make a 4th bedroom or an amazing game room/workout room. This garage is large enough to hold multiple vehicles plus has it's own 1/2 bath. Imagine enjoying cool evening breezes off the lake on your screened in back porch with top notch views and majestic oak trees in your backyard. Summer days are meant to be spent out on this beach area while you entertain from this "one-of-a-kind" boat dock that has an indoor bar and AC! Every man's dream detached 40x80 has room for all of your toys and more plus an additional 24x30 workshop for more storage! NO HOA!! Roof was replaced on home in 2023 and AC's in the home in 2022. Experience the perfect blend of natural beauty, comfort and seclusion here! This property offers a rare opportunity to own your own piece of paradise while having acreage, lakefront and seclusion. Do not miss your chance. . . . call today!

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full / 2 half
  • Laundry: Inside, Laundry Room
  • Year Built: 1987
  • Garage: 3-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,616
  • Acreage: 3.88
  • Est. Taxes: $0
  • Lot Desc: Cleared, In County, Level, Oversized Lot
  • View: Water
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: G5103183
  • Days on Market: 141 days
  • Website: https://www.raveis.com
    /eprop/G5103183/39623countyroad439_umatilla_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/7/2026 10:47:07 AM)
Listing courtesy of MORRIS REALTY AND INVESTMENTS   Phone: 352-435-4663

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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39623 COUNTY ROAD 439, Umatilla, FL, 32784

$1,300,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,040,000 $1,040,000 $1,040,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.130% 5.984% 5.912%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,905 $6,152 $8,636
Total Monthly Payment $6,030 $6,277 $8,761

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.