16 CAYMAN CIRCLE, UMATILLA, FL, 32784
Active1 days on marketListed Aug 5, 2026MLS #G5115619
About this home
16 CAYMAN CIRCLE
Step into a rare find at 16 Cayman Cir in Umatilla, a three bed, three bath home with a primary suite unlike anything else on the market. Two full bathrooms flank the owner's suite, connected by a spacious walk-in closet, each with its own private entrance from the bedroom. One side offers a step-in shower and single vanity, the other a garden tub and single vanity, giving true his and hers space that couples will appreciate every single day. The split bedroom floor plan keeps the owner's suite privately tucked away from the additional two bedrooms. The kitchen anchors the home with a large island and built in storage, opening to a large living room and a separate large dining room that gives you room to spread out. Indoor laundry adds everyday convenience. The backyard is fully privacy fenced for a quiet retreat of your own, and the neighborhood adds a small lake with a boat slip where residents launch kayaks for an afternoon on the water. The updates here speak for themselves. A 2025 roof, an HVAC system roughly four years old with a transferable warranty, and a full sweep of 2025-2026 upgrades throughout, including new floors, hardware, light fixtures, paint, and skylights in the owner's suite. Both porches have been redone, the guest bathroom has a new vanity and toilet, the kitchen has a newer dishwasher, and the water heater has been replaced. At 1,620 square feet, the layout is efficient without sacrificing comfort, and with no HOA, you get the freedom to make this home your own.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,620
Sqft
0.11 ac
Lot size
2005
Year built
One
Levels
$123
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.
$1,495 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,495/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
$123 vs $231
Days on market
1 vs 54 typical
Where $123/sqft sits among the 84 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 → $333K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
38 of 84
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% below the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 16 CAYMAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$309,900
206 BULL FROG LANE
4 bd · 2 ba · 1,665 sqft · $186/sqft · 79 DOM
Sold · May ’26$313,990
219 AMBERWOOD WAY
4 bd · 2 ba · 1,665 sqft · $189/sqft · 13 DOM
Sold · Apr ’26$304,990
199 AMBERWOOD WAY
4 bd · 2 ba · 1,665 sqft · $183/sqft · 55 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
Rachel Jean-Baptiste
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16 CAYMAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 CAYMAN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rachel's phone and CRM.
Straight answers
16 CAYMAN CIRCLE FAQs
What would the monthly payment be for 16 CAYMAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,495/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 16 CAYMAN CIRCLE?+
The most recent tax bill on record (2025) was $830. 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 16 CAYMAN CIRCLE?+
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 $200,000, this home is listed about 47% below the Umatilla median of $374,999. The market section on this page shows how the area is trending.
Which schools are assigned to 16 CAYMAN CIRCLE?+
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 DOWN HOME REALTY, LLLP · Kelly Shipes. MLS #G5115619.
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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