16 CAYMAN CIRCLE
UMATILLA, FL 32784
About this home
Step into a rare find at 16 Cayman Cir in Umatilla, a three bed, three bath home with a primary suite unlike anything else on the market. Two full bathrooms flank the owner's suite, connected by a spacious walk-in closet, each with its own private entrance from the bedroom. One side offers a step-in shower and single vanity, the other a garden tub and single vanity, giving true his and hers space that couples will appreciate every single day. The split bedroom floor plan keeps the owner's suite privately tucked away from the additional two bedrooms. The kitchen anchors the home with a large island and built in storage, opening to a large living room and a separate large dining room that gives you room to spread out. Indoor laundry adds everyday convenience. The backyard is fully privacy fenced for a quiet retreat of your own, and the neighborhood adds a small lake with a boat slip where residents launch kayaks for an afternoon on the water. The updates here speak for themselves. A 2025 roof, an HVAC system roughly four years old with a transferable warranty, and a full sweep of 2025-2026 upgrades throughout, including new floors, hardware, light fixtures, paint, and skylights in the owner's suite. Both porches have been redone, the guest bathroom has a new vanity and toilet, the kitchen has a newer dishwasher, and the water heater has been replaced. At 1,620 square feet, the layout is efficient without sacrificing comfort, and with no HOA, you get the freedom to make this home your own.
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 3
- Living area
- 1,620 sqft
- Heating
- Central, Electric
- Cooling
- Central Air
- Flooring
- Laminate, Carpet
- Features
- Built-in Features, Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Split Bedroom, Thermostat…
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Exterior & lot
- Lot size
- 5,000 sqft (0.11 ac)
- Roof
- Shingle
- Construction
- Vinyl Siding
- Exterior
- Private Yard, Sliding Doors
Financial
- Annual tax
- $830 (2025)
- Price / sqft
- $123/sqft
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Connected, Public, Sewer Connected, Water Connected
Property
- Property type
- Single Family
- Year built
- 2005
- Subdivision
- LAKE MARY ESTATES
- County
- Lake
Listing
- Status
- Active
- Days on market
- 2 days
- MLS #
- MFR801156581
- Source
- Stellar MLS
Listed by Kelly Shipes · DOWN HOME REALTY, LLLP
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 26 comparable sales within 1 mile of UMATILLA, FL, this home is priced under RENA ValiQ.
Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.
Estimate your monthly cost
PITI + HOA- Principal & interest
- $1,011/mo
- Property tax
- $69/mo
- Home insurance
- $200/mo
Opens at 20% down over 30 years at 6.5%, the same assumptions as the answers below. Property tax is this listing's own bill; insurance is left out until you enter a quote, because Florida premiums turn on roof age, elevation and carrier. Every field is editable.
Ask about this property
Answered from this listing’s own figures and the sales around it.
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Jul 25, 2026 | Listed | $200,000 | — |
NeighbourhoodSample data
Reference scores for UMATILLA, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.