81 Twin Lake Circle — $369,000 | MaxLife Realty

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$369,000

81 Twin Lake Circle

Umatilla, FL 32784

Active

Beds

Baths

1,898

Sq Ft

0.55

Acres

2007

Built

◆55+ community◆$194/sqft

🏠Single Family Residence

Property type

🏗️2007

Year built

📐24,269 sqft

Lot size

📊$194

Price / sq ft

🏘️$50/mo

HOA dues

📅146

Days on market

🚗2

Garage spaces

🌊X

Flood zone

About this home

ATTRACTIVE & AFFORDABLE HOME ON A SPACIOUS LOT IN TWIN LAKES ESTATES. Welcome to this well-maintained 3-bedroom home in Twin Lakes Estates, a friendly 55+ gated lakeside community with a clubhouse, pool, walking paths, biking areas, and well-lit streets for relaxing evening strolls. Set on a little over a HALF ACRE, this property stands out with its GAZEBO, picket fence and beautiful BUTTERFLY plantings. The stucco exterior and arched entry create great curb appeal, and the two-car garage plus wide driveway offer plenty of parking. Inside, the home features a pleasing layout with 10 foot ceilings, crown molding, neutral colors, tile and wood flooring, and many flexible uses. The living area opens to a bright, glass-enclosed Florida room with slider windows— enjoy the outdoors in year-round comfort. The oversized kitchen offers plentiful counter space, cabinets, updated appliances and roomy dining space. Two guest bedrooms share closets and bath, and the laundry room includes ample storage, a utility sink, and direct access to the garage. Outside, enjoy the spacious yard for gardens and the sunny patio. Convenient to shopping, dining, The Villages, Mount Dora, the beaches, medical care, parks, and major toll roads, this home offers a great combination of comfort, space, and location. Call for your appointment now.

Estimated monthly payment

Principal & interest$1,866

Property taxes$201

Home insurance (est.)$169

HOA dues$50

Down payment

20%

$73,800 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history146 days on market

Status: Active
Dec 19, 2025
Listed$399,000
Dec 19, 2025
Price reduced$369,000

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Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 146
Subdivision: Twin Lakes Estates
County: Lake
Year built: 2007
Living area: 1,898 sq ft
Price/sq ft: $194
Building area: 2,600 sq ft (Public Records)
Lot size: 24,269 sq ft
Lot category: 1/2 to less than 1
Flood zone: X
Garage: 2 spaces
Annual taxes: $2,406 (2025)
Parcel #: 01-18-26-2001-000-07800
Zoning: R-3
MLS #: G5105552

Interior Details

Bedrooms: 3
Full bathrooms: 2
Flooring: Other, Tile, Wood
Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
Interior features: Ceiling Fans(s), Crown Molding, Eat-in Kitchen, Open Floorplan, Split Bedroom, Window Treatments
Laundry: Inside, Laundry Room
Stories / Levels: One
Direction faces: East

Heating & Cooling

Heating: Central, Electric, Heat Pump
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Driveway

HOA & Financial

HOA fee: $600 / Annually
Monthly HOA: $50/mo
Total monthly fees: $50/mo
Total annual fees: $600
HOA name: Sentry - Gail Schmidt
CDD: No
Homestead exemption: Yes
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: No

Exterior & Construction

Exterior features: Garden
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Road surface: Paved

Utilities

Sewer: Septic Tank
Water source: Public
Utilities: BB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Underground Utilities, Water Connected

Community

Pets allowed: Yes
Senior community: Yes

Room Details

Room	Level	Dimensions
Living Room	First	16x17
Kitchen	First	10x23
Dining Room	First	15x12
Primary Bedroom	First	15x14
Bedroom 2	First	13x10
Bedroom 3	First	10x10
Florida Room	First	9.1x14

Listing Details

Listing date: 2025-12-19
On market date: 2025-12-19
Original list price: $399,000
Occupant type: Owner
MLS area: 32784 - Umatilla / Dona Vista
Listing AOR: Lake and Sumter
Status changed: 2025-12-19
Tax legal description: TWIN LAKES ESTATES PHASE II PB 49 PG 39-40 LOT 78 AND BEGIN AT THE WESTERLY CORNER OF TRACT A RUN NORTH 88-43-40 EAST ALONG THE SOUTH LINE A DISTANCE OF 176.10 FEET NORTH 26-28-41 EAST 59.19 FEET TO THE SOUTHWESTERLY RIGHT OF WAY LINE OF TWIN LAKE CIRCLE THENCE NORTHWESTERLY ALONG SAID SOUTHWESTERLY RIGHT OF WAY LINE TO THE NORTHERLY CORNER OF TRACT A SOUTHWESTERLY ALONG THE NORTHWESTERLY LINE OF TRACT A TO THE POINT OF BEGINNING ORB 2908 PG 1686 ORB 5095 PG 1676

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From State Road 19 (Central Ave) Continue North on State Road 19 to the first entrance of Twin Lakes Estates - Turn left onto Twin Lake Circle - the property will be the first one on the left - The gate is open during the daytime hours.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 14, 2026 at 1:19 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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