41515 SILVER DRIVE, Umatilla, FL, 32784 | $549,999

A Lakefront Home Designed for Living, Entertaining, and Unforgettable Sunsets
As you arrive, the circular driveway draws you in, framing a welcoming front porch and hinting at what’s beyond. Step inside, and the home immediately opens up—vaulted ceilings, natural light, and wide lake views pulling your eyes straight through the living space toward the water.

The main living room feels airy and grounded at the same time, flowing effortlessly into the kitchen and dining area. It’s the kind of layout that works just as well for quiet mornings as it does for hosting friends on the weekend. Every major living space is oriented to capture the lake, so the view becomes part of everyday life, not just something you visit once in a while.

The kitchen anchors the heart of the home with granite countertops, a generous breakfast bar, tile backsplash, and plenty of room to cook, gather, and linger. Whether it’s coffee at sunrise or wine while dinner’s on, this space was built to be lived in.

Slide open the doors to the screened-in balcony and feel the shift—breeze off the water, soft evening light, and sunsets that never get old. This is where days end slowly and weekends begin early.

Back inside, the owner’s suite on the main level feels like a true retreat. A tray ceiling adds height and drama, while the en-suite bath delivers spa energy with dual granite vanities, a jetted soaking tub, and a custom-tiled walk-in shower with dual shower heads. The walk-in closet keeps everything organized and out of sight.

Three additional guest bedrooms on the main level provide flexibility for family, office space, or visiting friends—each positioned for privacy and comfort.

Then comes the surprise: the walk-out basement. It opens a whole second chapter of the home, ideal for entertaining, extended family, or long-term guests. A private secondary suite makes this level perfect for in-law quarters or multi-generational living. There’s also a full-size safe room that can double as a sixth bedroom, a gym, or a high-security storage space.

Step outside again to the large screened back porch, already plumbed for water and ready for an outdoor kitchenette. Beyond that, the backyard stretches toward the lake with space for a future sand beach, a firepit, or lakeside seating. The private dock waits at the shoreline—launch your kayak, cast a line, or just sit and watch the light change across the water.

The home also features a dedicated laundry room on the main level, a two-car tandem garage with a concrete driveway at the rear, and a freshly painted exterior for a clean, move-in-ready feel.

Optional HOA adds flexibility, and the seller is offering seller concessions, creating an excellent opportunity for buyers who want room to personalize and structure a deal that works for them.

This isn’t just a house—it’s a daily lakefront lifestyle, built for space, comfort, privacy, and views that make ordinary days feel like vacation.

Schedule your private showing and walk this story for yourself. buyer to verify all information for accuracy measurements may be estimates

Features

  • Rooms: 11
  • Bedrooms: 5
  • Baths: 4 full / 1 half
  • Laundry: Laundry Room
  • Year Built: 1997
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,067
  • Acreage: 0.51
  • Est. Taxes: $7,421
  • HOA Fee: $52 Annually
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6376572
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6376572/41515silverdrive_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 1/25/2026 4:47:11 PM)

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Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

41515 SILVER DRIVE, Umatilla, FL, 32784

$549,999

The Whiteman Team

Sales Associates

William Raveis Real Estate

Phone: 203.672.4400

TheWhiteman.Team@raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989

Brian.Skelly@raveis.com

NMLS Mortgage Loan Originator ID 793093

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $439,999 $439,999 $439,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.280% 5.628%
Monthly Tax Payment $618 $618 $618
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,533 $2,673 $3,566
Total Monthly Payment $3,243 $3,383 $4,276

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.