
39036 ROSE STREET, UMATILLA, FL, 32784
Active0 days on marketListed Aug 13, 2026MLS #G5116433
Come see it
Upcoming open house
Sat, Aug 15
9:00 AM – 12:00 PM
About this home
39036 ROSE STREET
Virtually Staged. Welcome to this beautifully updated and meticulously maintained 1.65-acre private retreat with no HOA, offering exceptional flexibility for multigenerational living, guests, work-from-home needs, hobbies, or potential rental income. In addition to the 3-bedroom, 2-bath primary residence, the property features a detached 1-bedroom, 1-bath guest house with its own private entrance, driveway, garage, kitchen, and laundry, plus an adjoining studio with an additional full bath. More than $160,000 in improvements have been completed, with many updates since 2023.Major improvements include a new HVAC system in the primary home (2026), guest house HVAC (2023),new roof on the primary home (2023), and a whole-property Generac generator with a 500-gallon propane tank serving both residences. Additional improvements include new LVP flooring in the primary home and studio (2023), updated electrical panels in both residences(2023–2025), stainless steel appliances (2024), extensive water and well updates, and a 6-foot vinyl privacy fence enclosing more than half an acre of the beautifully landscaped backyard.A complete list of improvements is available upon request. Inside, the light-filled primary home offers vaulted ceilings, an open split-bedroom floor plan, oversized picture windows, and a sunroom overlooking the private backyard. The spacious kitchen features a granite center island with breakfast seating and an oversized double sink, abundant wood cabinetry, a reach-in pantry, built-in workstation, and a charming window seat overlooking the front yard.The generously sized primary suite is tucked away for privacy and offers extensive organized closet storage, an updated bath with walk-in shower, and convenient access to the laundry room. Outdoor living is just as impressive. A screened lanai opens to extended paver patios and walkways, multiple sitting areas, and a covered pavilion surrounded by mature flowering trees and architectural landscaping—creating an inviting setting for entertaining, relaxing, or simply enjoying the peaceful surroundings. The fully fenced backyard connects the two residences while still allowing each to maintain its own distinct living space. Commercial-grade play equipment adds another unique feature to the expansive backyard. Two garages provide three enclosed parking spaces, while the extended driveway and multiple parking pads offer abundant room for additional vehicles. A shed with electricity, RV hookup, and detached garage/workshop provide even more space for boats, trailers, recreation, hobbies, equipment, and projects. Zoned Rural Residential and surrounded by the character of country living, this is the place to bring your homesteading dreams—think gardens, chickens, roosters, goats, and room to enjoy a more self-sufficient lifestyle. The detached guest house, previously rented in 2025, offers its own kitchen, laundry, private entrance, metal roof, driveway, garage, backyard, covered patio, and extended outdoor sitting area. The adjoining studio includes its own full bath and provides additional flexible space for guests, a private office, hobby room, recreation area, or other needs. Framed by majestic oaks, elegant palms, mature landscaping, and plenty of open space, this unique property offers the serenity and privacy of country living while remaining convenient to Mount Dora, Eustis, and Tavares. Here is your chance to enjoy freedom to enjoy your hobbies and lifestyle without an HOA. Home Warranty Offered!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,869
Sqft
1.65 ac
Lot size
3
Garage
1983
Year built
One
Levels
$329
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
+59.7%
Days on market
0 vs 54 typical
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 → $312K
Umatilla median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Umatilla, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% above the UMATILLA 32784 median. See the full Umatilla market guide →
Paper trail
This home's history
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 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 Kaylie'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 $374,500. 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 97% 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
Listed today in a Umatilla market that averages 54 — if it fits, move quickly.
Listing courtesy of HARRISON REAL PROPERTY GROUP · Amanda Harrison. MLS #G5116433.
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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