39036 ROSE STREET, UMATILLA, FL, 32784
Active1 days on marketListed Aug 5, 2026MLS #G5115921
Come see it
Upcoming open house
Sat, Aug 8
10:00 AM – 1:00 PM
About this home
39036 ROSE STREET
Virtually Staged. Welcome to a truly one-of-a-kind country retreat offering two residences, an adjoining studio, multiple garages, and exceptional outdoor living on 1.65 private acres with no HOA. Beautifully updated and meticulously maintained, this remarkable property features a detached guest house complete with its own private entrance, driveway, garage, separate studio and backyard. Framed by majestic oak trees, graceful palms, and privacy fencing, you’ll enjoy the tranquility of country living only minutes away from Mount Dora, Tavares, and Eustis, with an easy commute to Orlando and Ocala. The primary home showcases a bright, open floor plan with oversized windows that flood the home with natural light. Enjoy an inviting kitchen featuring a granite-topped center island with breakfast seating and an oversized double sink, abundant wood cabinetry, a pantry, a built-in workstation, a window seat, and updated stainless steel appliances. The spacious primary suite includes a walk-in shower, while the private backyard oasis offers a large, screened lanai and extended patio—perfect for relaxing, entertaining, or simply taking in the peaceful surroundings. The detached guest house provides incredible flexibility with its own kitchen, laundry, private entrance, driveway, garage, covered patio, adjoining studio with separate full bath, and backyard, making it ideal for extended family, guests, rental income, or a private home office. Outdoor living is where this property truly shines. Wander the scenic walking paths beneath mature trees, gather under the charming pavilion nestled among flowers and trees, or enjoy the expansive screened lanai overlooking the private backyard. The fully fenced backyard provides privacy while maintaining distinct living spaces for both residences. Additional highlights include a commercial-grade playground, RV hookup, extended driveway, detached garage/workshop, and ample room for boats, trailers, hobbies, gardening, and recreational vehicles. Rural Residential zoning offers endless possibilities for homesteading, animals, and outdoor living. Extensive updates include a new roof on the primary home (2023), updated HVAC systems in both residences (2026 and 2024), electrical panels, stainless steel appliances, privacy fencing, well and water system improvements, an ADT security system, and a whole property Generac generator with a 500-gallon propane tank connected to both residences. More than $160,000 invested in improvements, with a complete list available upon request. Whether you’re searching for a multi-generational property, an income-producing opportunity, or simply a peaceful place to spread out and enjoy the best of Florida country living, this exceptional property offers the rare combination of privacy, flexibility, and modern convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,642
Sqft
1.65 ac
Lot size
2
Garage
1983
Year built
One
Levels
$375
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.
$4,237 /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
$4,237/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.
vs edgeAI estimate
+129.5%
$/sqft vs NA
$375 vs $287
Days on market
1 vs 54 typical
Where $375/sqft sits among the 126 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 → $333K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
57 of 126
NA have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 39036 ROSE STREET
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$405,000
35410 JOHNS LANE · same community
3 bd · 2 ba · 1,560 sqft · $260/sqft · 28 DOM
Sold · Mar ’26$448,000
5192 CABO COURT · same community
2 bd · 2 ba · 1,560 sqft · $287/sqft · 174 DOM
Sold · Jan ’26$395,000
8395 W ANTHONY ROAD · same community
3 bd · 2 ba · 1,540 sqft · $256/sqft · 24 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39036 ROSE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39036 ROSE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
39036 ROSE STREET FAQs
What would the monthly payment be for 39036 ROSE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,237/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 39036 ROSE STREET?+
The most recent tax bill on record (2025) was $6,331. 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 39036 ROSE STREET?+
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 $615,000, this home is listed about 64% above the Umatilla median of $374,999. The market section on this page shows how the area is trending.
Which schools are assigned to 39036 ROSE STREET?+
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
$615,000 runs 99% above the UMATILLA 32784 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Umatilla market that averages 54 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ERA GRIZZARD REAL ESTATE · Shayna Stanfield Grunewald. MLS #G5115921.
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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