Christine Bowman

81 Fairway Circle

UMATILLA, FL
$ 369,000 Beds 2 Baths 2 Sq 1,538 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to 81 Fairway Circle, where peaceful waterfront living, extensive updates, and an active 55+ community lifestyle come together in a warm and inviting Florida setting. Step inside to a bright, comfortable interior featuring luxury vinyl plank flooring throughout the living room, dining area, and hall, newer carpet in the bedrooms and office/den, natural red-stone flooring in the kitchen, and waterproof vinyl plank flooring in two baths and the walk-in closet. Fresh interior paint adds to the home's clean, move-in-ready feel. The kitchen is well equipped with updated appliances, including a Frigidaire electric range with Air Fry, LG stainless-steel refrigerator, Whirlpool dishwasher, and Whirlpool microwave, making it equally suited for everyday meals or entertaining family and friends. One of the home's most captivating features is its seamless connection to the water. Open the living room sliders and transform the space into a wonderful indoor-outdoor living area with a full view of the water. Imagine peaceful early mornings with a cup of coffee and the lake as your backdrop, or crisp fall afternoons with the sliders open, the Florida breeze flowing through, and friends gathered together. The fireplace conveys with the home, adding warmth and character to this already inviting space. Outdoor living continues with a rebuilt deck featuring newer boards, posts, and railings, along with a brick-paver patio beside the deck—perfect for relaxing, dining outdoors, or simply taking in the view. Landscaping was thoughtfully opened to showcase the water, while the irrigation system draws water directly from the lake, providing an added convenience for maintaining the yard. Significant improvements offer additional peace of mind, including a new HVAC system (2025), new hot water heater (2025), architectural shingle roof (2024) with premium Titan XT shingles, seamless gutter installation, exterior repairs, and sprinkler-system updates. Beyond the home, residents enjoy the benefits of a welcoming 55+ community featuring a community swimming pool, clubhouse, and sidewalk-lined walking trails—perfect for staying active, meeting neighbors, or enjoying a leisurely morning or evening stroll. Whether you're watching the sunrise over the water, opening the sliders to enjoy the Florida breeze, gathering around the fireplace, relaxing on the deck, or taking advantage of the community amenities, 81 Fairway Circle offers a lifestyle designed to be enjoyed. Come discover a wonderful combination of waterfront views, comfortable living, thoughtful updates, and the easygoing Florida lifestyle you've been looking for.

Active

  • Price
  • $ 369,000
  • City
  • UMATILLA
  • Bedrooms
  • 2
  • Full Bathrooms
  • 2
  • County
  • Lake
  • Half Bathrooms
  • 0
  • Area
  • Umatilla / Dona Vista
  • Lot Size
  • 0.31 Acres
  • Zip
  • 32784
  • Sqr Footage
  • 1,538
  • Year Built
  • 2006
  • Taxes
  • $ 2666
  • Style
  • Single Family Residence
  • MLS#
  • G5115306
Listed By: COLDWELL BANKER VANGUARD EDGE REALTY with 800-948-0938. - 904-269-7117
Data Source: Stellar MLS

Features

General

Sewer Septic Tank
Heating Central
Cooling Central Air
Utilities BB/HS Internet Available,Cable Connected,Electricity Connected,Sewer Connected,Underground Utilities,Water Connected
Roof Shingle
Appliances Dishwasher,Disposal,Electric Water Heater,Microwave,Range,Refrigerator
Zoning PUD
HOA Fee 50
Garage Spaces 2
Association Fee Includes Recreational Facilities
Construction Materials Block,Stucco
Pets Allowed Yes
Year Built 2006
View Water
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Community Features Pool
Accessibility Accessible Approach with Ramp,Accessible Bedroom,Accessible Closets,Accessible Common Area,Accessible Entrance,Accessible Full Bath,Visitor Bathroom,Accessible Central Living Area,Customized Wheelchair Accessible,Grip-Accessible Features
Assoc Fee Paid Per Monthly
County Lake
New Construction false
Property Type Residential
Association Amenities Pool
Attached Garage true
Subdivision Name TWIN LAKES ESTATES
Facing Direction East
Garage Y/N true
Total Rooms 11
Full Baths 2
Status Active
Directions From Umatilla on 19 N turn left into Twin Lakes Community home on the left.
City UMATILLA
Association Name Gail Schmidt
Senior Community Y/N true
MLS Area 32784 - Umatilla / Dona Vista
Lot Size Units Square Feet
Lot Size Square Feet 13381
Carport Y/N false
Listing Terms Cash,Conventional,FHA,VA Loan
Land Lease Y/N false
Tax Annual Amount 2666.47
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.zillow.com/view-imx/50fd1794-f482-4ea9-98e0-fbcfe5e3441b?wl=true&setAttribution=mls&initialViewType=pano
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 103
Legal Description TWIN LAKES ESTATES PHASE III PB 58 PG 26-27 LOT 103 ORB 5926 PG 1778
Water Access Type Lake
Minimum Lease 6 Months
Water Access Y/N true
Monthly HOA Amount 50
Additional Rooms Den/Library/Office,Inside Utility
Water View Y/N false
Flood Zone Code X
In Law Suite YN false
Flood Zone Code X Yes

Interior Features

Interior Amenities Ceiling Fan(s),Open Floorplan,Split Bedroom,Stone Counters,Walk-In Closet(s),Window Treatments
Flooring Carpet,Ceramic Tile,Luxury Vinyl
Furnished Y/N Unfurnished
Fireplace Features Electric
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Window Features Double Pane Windows,Window Treatments
Fireplace Y/N true
Laundry Features Inside
Total Bedrooms 2
LivingAreaSource Public Records
Total Baths 2

Exterior Features

Exterior Amenities Irrigation System,Sliding Doors
Lot Features Landscaped,Rolling Slope
Water Source Public
Lot Size Area 13381
Foundation Details Slab
Building Area Total 2422
Lot Size Acres 0.31
Road Surface Type Paved
Private Pool false
Waterfront Y/N false
Covered Spaces 2
Road Frontage Type Street Paved

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the St. Cloud, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

9/1/2026 Listed $374,900
9/20/2026 2% - $369,000

Property vs Zip Code Average in 32784

Price
AVG $420K
$370K
Taxes
AVG $2,748
$2,666
Year Built
AVG 1997
2006

In The Neighborhood

Areas That We Cover

81 Fairway Circle UMATILLA, FL is a Single Family Home for sale at $369000 with 1538 sqft and a lot size of 0.31 Acres Acre(s). 81 Fairway Circle UMATILLA has 2 bedrooms, 2 baths and was built in 2006. The property's zip code is 32784 which is in UMATILLA, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided 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.

Christine Bowman

Christine Bowman

REALTOR®

407-908-0173

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