321 CASSADY STREET, UMATILLA, FL, 32784
Active1 days on marketListed Aug 18, 2026MLS #G5116404
About this home
321 CASSADY STREET
Virtually Staged. WELCOME TO 321 CASSADY Street & 20 N OAK Avenue — TWO ADDRESSES, TWO LIVING SPACES, ONE UNIQUE PROPERTY! Discover a truly unique investment opportunity featuring two separate living spaces! The charming front home is a 1920s country cottage, complete with a classic white picket fence and plenty of character, while the rear of the property features a beautifully renovated garage apartment/ADU with its own separate address, electric meter, and water meter—an excellent setup for extended family, guests, or potential rental income. The main cottage offers 2 bedrooms and an inviting open great room and kitchen, filled with the warmth and character you would expect from a vintage country home. Relax on the large screened front porch, the perfect spot for morning coffee or an evening spent enjoying the Florida breeze. Step into the private, fully fenced backyard and you'll find even more to love. A charming KOI pond filled with fish creates a peaceful outdoor setting, while a cement walkway connects the main cottage to the rear apartment. There is plenty of space for entertaining, hobbies, storage, and all your Florida toys! The rear building offers a workshop beneath the ADU, plus there are two additional newer storage sheds, including one with an awning providing covered parking for a boat or golf cart. You'll also find a concrete RV pad alongside the garage. The garage apartment/ADU was completely renovated in 2025 and provides a separate living area with its own utilities and address—making this property especially versatile. MAJOR UPDATES INCLUDE: Electrical – 2025 Plumbing – 2025 Garage Apartment/ADU Completely Renovated – 2025 Metal Roof on Garage/ADU 2019 Shingle Roof on the 1920s Cottage Updates Have Been Permitted Whether you're looking for a multi-generational property, income-producing opportunity, guest quarters, or simply extra space, 321 Cassady & 20 N Oak offer possibilities that are hard to find. Two addresses, separate utilities, two living spaces, workshop and extensive storage—all on one unique property! Please note stove will be replaced prior to closing.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,520
Sqft
0.27 ac
Lot size
1
Garage
1935
Year built
Multi/Split
Levels
$230
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.
$2,435 /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
$2,435/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
$230 vs $236
Days on market
1 vs 47 typical
Where $230/sqft sits among the 81 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 → $319K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
36 of 81
Umatilla actives have cut their price
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
Reality check
What actually sold near 321 CASSADY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$135,000
1523 COUNTY ROAD 547 N · same community
3 bd · 2 ba · 1,604 sqft · $84/sqft · 27 DOM
Sold · Dec ’25$440,000
720 LANGSTON COURT · same community
2 bd · 2 ba · 1,298 sqft · $339/sqft · 73 DOM
Sold · Mar ’26$290,000
7799 75TH STREET N · same community
3 bd · 2 ba · 1,270 sqft · $228/sqft · 0 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
Kaylie Mickle
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 321 CASSADY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 321 CASSADY STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kaylie's phone and CRM.
Straight answers
321 CASSADY STREET FAQs
What would the monthly payment be for 321 CASSADY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,435/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 321 CASSADY STREET?+
The most recent tax bill on record (2026) was $796. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Umatilla?+
At $349,000, this home is listed about 9% below the Umatilla median of $384,900. The market section on this page shows how the area is trending.
Which schools are assigned to 321 CASSADY 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.
Keep looking
Similar homes nearby
Listing courtesy of ALDEN REALTY LLC · Leah Laboy. MLS #G5116404.
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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