168 FLAG LILLY LANE, UMATILLA, FL, 32784
Active165 days on marketListed Feb 20, 2026MLS #S5144293
About this home
168 FLAG LILLY LANE
Under Construction. Spacious and accommodating, the two-story Moonstone features an open-concept main floor and four charming bedrooms upstairs. Just off the entryway, you’ll find a secluded study with a nearby powder room. Toward the back of the home, a great room flows into an inviting kitchen with a center island and adjacent dining room. Upstairs, a loft offers a versatile common area, and a sprawling owner’s suite includes an attached bath and walk in closet. If desired, opt for additional bedrooms in lieu of the study or loft. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Take advantage of special financing on quick move-in homes OR buy a to-be-built home and enjoy up to $20,000 in Flex Funds toward homes that can close in a timely manner! Options may vary by community, and offers are available on select homes on a first-come, first-served basis. Contact builder for more information!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,800
Sqft
0.12 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$146
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 and the real association fee — not generic estimates.
$2,820 /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
$3,195/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−4.8%
$/sqft vs SEASONS AT MAGNOLIA POINTE
$146 vs $153
Days on market
165 vs 48 typical
Where $146/sqft sits among the 7 homes for sale in SEASONS AT MAGNOLIA POINTE
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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,900/mo median
Live Umatilla rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full 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)
6 of 7
SEASONS AT MAGNOLIA POINTE have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 168 FLAG LILLY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$449,999
183 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $149/sqft · 391 DOM
Sold · Mar ’26$439,999
240 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $145/sqft · 214 DOM
Sold · Mar ’26$435,000
200 FLAG LILLY LANE · same community
5 bd · 3.5 ba · 3,030 sqft · $144/sqft · 205 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 168 FLAG LILLY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 168 FLAG LILLY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
168 FLAG LILLY LANE FAQs
What would the monthly payment be for 168 FLAG LILLY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,820/mo — principal and interest, estimated property taxes, the $75/mo association fee 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.
How much are the HOA fees at 168 FLAG LILLY LANE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 168 FLAG LILLY LANE?+
The most recent tax bill on record (2026) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 168 FLAG LILLY LANE be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 168 FLAG LILLY LANE?+
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 $408,468, this home is listed about 9% above the Umatilla median of $374,500. The market section on this page shows how the area is trending.
Which schools are assigned to 168 FLAG LILLY LANE?+
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
Four things that matter here
01Positioned at the premium end
$408,468 runs 33% above the UMATILLA 32784 median — but at 2,800 sqft it's also 68% larger than the typical Umatilla listing.
02Zoned for nightly rentals
Seasons is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
165 days on market against a Umatilla median of 48 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $424,696, now $408,468 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AXEN REALTY, LLC · Stephanie Morales, LLC. MLS #S5144293.
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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