Price
$250,000
ARV
$279,476
Spread
$29,476
Price
$250,000
ARV
$279,476
Spread
$29,476
Investment Opportunity — 19150 County Road 450, Umatilla
Available
1 / 55
Offered price
$250,000
Flip estimated profit
-$21,536
After-repair value (ARV)$279,476
Estimated rehab−$32,885
Offered price−$250,000
Closing, selling & holding (est.)i−$18,126
Buy-side closing, cash (1.5%)-$3,750
Resale closing (2.0%)-$5,590
Agent commission on resale (2.5%)-$6,987
Holding, ~3 mo cash (taxes, insurance, utilities)-$1,800
Flip estimated profit-$21,536
Renovate to ARV and resell. Assumes a cash purchase (no loan). Estimate only — verify before purchase.
Monthly rent
$1,850
Net cash flow / mo
-$232
Gross monthly rent$1,850
Operating costs (est.)i−$803
Vacancy (6%)-$111
Property management (8%)-$148
Maintenance & reserves (8%)-$148
Property taxes (est.)-$256
Insurance (est.)-$140
Debt service (mortgage)i−$1,279
Purchase price$250,000
Down payment (25%)$62,500
Loan amount$187,500
Rate & term7.25% · 30-yr fixed
Monthly principal & interest$1,279
Net monthly cash flow-$232
Cap rate 5.0%Cash-on-cash -2.9%
Buy & hold, financed at 25% down, 7.25% 30-yr fixed. Vacancy 6% · mgmt 8% · maintenance 8% + taxes & insurance. Estimate only.
About this deal
Property Description:
- 3 bed
- 2 bath
- 1276 sqft
- Lot size: 12197 sqft
- Built 1999
- Sold as-is — see photos for condition details
Required offer terms
- Property is sold as-is, seller is not required to clean up or remove any unwanted items from the property.
- All title, escrow and other closing fees to be paid by Buyer (Not including liens and seller's property taxes)
- Minimum Earnest Money Deposit (EMD) is $3,000
- Title and Escrow open at St Johns Title
- No Inspection or loan contingencies (our expectation is that you see the property and then make a non-contingent offer)
- Able to close within 21 days
Request a Showing
To see the property submit your request using the "Request a Showing" button on this page. We will coordinate with the seller to provide you access to the property.
Make an Offer
To submit an offer, click the "Make an Offer" button on this page and include your proof of funds.
Offers need to take into consideration the terms detailed above. Please include with your offer any special terms we should take into consideration.
Agent instructions
If you are an agent representing a buyer, simply let us know what commission you want when submitting the offer (up to 3%) and we will subtract that amount from your buyer's offer when considering offers. Your commission will be paid out of our assignment fee through escrow at closing.
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19150 Co Rd 450, Umatilla, FL, 32784
condition 2.8/51,276 sqft · 3bd/2ba · built 1999 · Lot 12,190 sqft · ⚡ AI report by bluelime.ai
Offered Price
$250,000
Flip Profit
$-21,536
ARV
$279,476
Rehab
$32,885
19150 Co Rd 450, Umatilla, FL, 32784
1,276 sqft • 3bd/2ba • Built 1999 • stick built • Lot: 12,190 sqft • Density: 95/mi²
Report run Oct 1, 2026, 3:40 PM ET
Subject Conditioncondition 2.8/5 · Average / livable
Subject conditioncondition 2.8/5Average / livable
View on ZillowAI Analysis Notes
The valuation has a reasonable set of sold comps with good recency, but the usable comp pool is effectively limited to only 4 confirmed sales, with 2 comps being active/pending listings that carry less weight. The rehab estimate of $3,288,500 is astronomically out of line for a 1,276 sqft property described as needing no repairs, suggesting a serious data error in the rate-table inputs that undermines confidence in the deal economics. ARV derivation from the adjustment model appears plausible given the comp proximity and recency.
- + All 4 confirmed sold comps are very recent (December 2025 through May 2026), providing a current and relevant market snapshot
- + Comp distances are tight, with all comps within 1.67 miles and most under 0.6 miles, indicating strong geographic relevance
- + Square footage of comps is reasonably close to the subject's 1,276 sqft, ranging from 1,162 to 1,510 sqft, limiting the size adjustment burden
Subject Property Photos(55 photos)· listing dates: May 2026
55 from Other
Public Records
Source: RentCast + RPR · 10/1/2026Owner-occupied· Individual
Assessed$111,050(2025)
Est. Mortgage~$104,4546yr held
Listing History
Canceled$279,900
Aug 2026Listing Removed
Aug 2026Inactive$279,900105d
May 2026–Aug 2026New Listing$279,900
May 2026MLS Sale$82,000
Oct 2013Listed$87,000
Jun 2013Sale History
$150,000May 2020
$150,000Sales Activity · May 2020
HeatingForced Air Unit
CoolingCentral
FoundationConcrete Block
ConstructionSteel
ExteriorAsbestos Shingle
Estimated mortgage is a derived estimate (80% LTV, 30-yr fixed at the purchase-year rate, amortized over years held) — not a recorded loan balance.
Rehab Estimate
Rate-table
$32,885Kitchen
factor 1 × base $10,104
The kitchen requires a full retail-ready remodel — photos confirm the original 1999 pine/barnwood-style cabinets, tile countertops, and dated layout are all still in place after 25 years.
$10,104
The kitchen requires a full retail-ready remodel — photos confirm the original 1999 pine/barnwood-style cabinets, tile countertops, and dated layout are all still in place after 25 years.
Bathrooms
factor 1 × base $4,400
Both bathrooms show their original 1999 finishes in photos — white ceramic tile surrounds, dated vanities with tile countertops, old fixtures, and wallpaper border trim — all needing full replacement to meet retail buyer expectations at this age.
$4,400
Both bathrooms show their original 1999 finishes in photos — white ceramic tile surrounds, dated vanities with tile countertops, old fixtures, and wallpaper border trim — all needing full replacement to meet retail buyer expectations at this age.
Floors
factor 1 × base $4,466
$4,466
Paint (Interior)
factor 1 × base $4,466
$4,466
Age Factor
factor 0.1 × base $4,351
The 1999 build year places this property in the 1990–1999 age bracket (factor 0.3), capturing hidden system aging such as gradual HVAC wear, aging water heater components, and dated wiring not otherwise itemized. The 2-year-old AC partially offsets this but the rest of the systems remain age-appropr
$435
The 1999 build year places this property in the 1990–1999 age bracket (factor 0.3), capturing hidden system aging such as gradual HVAC wear, aging water heater components, and dated wiring not otherwise itemized. The 2-year-old AC partially offsets this but the rest of the systems remain age-appropr
Landscaping
factor 0.5 × base $2,000
Exterior photos show patchy sandy grass, overgrown shrubs along the tree line, and an unkempt frontage — moderate cleanup, mowing, and basic landscaping work is needed to present the property for resale. No major regrading or full redo is required.
$1,000
Exterior photos show patchy sandy grass, overgrown shrubs along the tree line, and an unkempt frontage — moderate cleanup, mowing, and basic landscaping work is needed to present the property for resale. No major regrading or full redo is required.
Demolition/Haul-away
factor 0.3 × base $2,552
Photos throughout the interior show extensive clutter, boxes, and personal belongings packed into the bedrooms and common areas — minor debris and haul-away costs are expected once the property is vacated before rehab begins.
$766
Photos throughout the interior show extensive clutter, boxes, and personal belongings packed into the bedrooms and common areas — minor debris and haul-away costs are expected once the property is vacated before rehab begins.
Roof
factor 1 × base $7,247.68
$7,248
Misc
$
Evidence-gated line items grounded in calibrated FL rate table.
Location
Road
Satellite
SubjectCompNot selected
S = Subject · A–L = Comparable Properties · 0/12 comps geocoded · Tiles © OSM / Esri
Comps at a Glance
Comps Used for ARV & CMV (3)
Sold (3)
Active / Pending (0)
None
Additional Comps (not used in the valuation) (18)
Sold (13)
Active / Pending (5)
Ceiling only — active & pending listings are asking prices, not sales. They cap the valuation but are never averaged in as comps.
Comparable Properties (21 comparable sales)
Sorted best → worst by Match %. Each comp was scored against the subject on sqft, beds/baths, distance, recency, and more.
How the Match % is calculated
Distance35%Sqft25%Density25%Recency15%Year built12%Lot size8%Beds5%Baths5%Pool8%
Each comp is scored 0–100% against the subject across these factors. When a factor has no data (e.g. missing lot size or sale date) it’s dropped and the remaining weights renormalize. When the subject has only one bathroom, the Baths weight is raised to 15% and the others scale down proportionally.
Sold Properties
(16)COMP A40747 W 2nd Ave, Umatilla, FL 32784sold ✓85% matchCondition 3.4/5
Match 92% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The comp sits in average-to-slightly-above territory: stainless appliances and wood butcher-block counters give the kitchen a partial refresh, but the original oak cabinet boxes, tile flooring throughout most of the home, and a bathroom that is dated-but-sound (tile surround, older vanity) keep it from reaching a true 4; the newer LVP in the bedrooms and some cosmetic accent work (board-and-batten wall, fresh paint) nudge it above a bare 3.
Kitchen: DATED-BUT-SOUND with partial update — original light-oak cabinet boxes retained, butcher-block counters and stainless steel appliances (fridge, range, microwave) added; no stone counters or new cabinetry; tile floor
Baths: DATED-BUT-SOUND — visible bath has tile tub surround with mosaic accent strip, older wood vanity with light stone-look top, builder-grade mirror; functional but not renovated
Floors: DATED-BUT-SOUND — large-format ceramic tile in living areas, kitchen, and some bedrooms; newer gray LVP visible in master and one secondary bedroom; mix of generations
Ext: DATED-BUT-SOUND — stucco ranch with painted finish in good condition, stone accent on garage face, metal carport addition, black ranch-style fencing, concrete driveway; roof appears to be original or mid-age asphalt shingle with no obvious damage; landscaping maintained
Pool: None visible
Roof: Appears to be asphalt shingle of unknown age; no visible damage or missing shingles from photos; metal roof on carport addition
Adjustments
Age: comp is 15yrs older = +$11,063 (3.8% of comp price)
net % · gross %
50 from RPR, 1 from Street View, 1 from Aerial
COMP B40751 W 4th Ave, Umatilla, FL 32784sold ✓85% matchCondition 4.2/5
Match 93% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The kitchen has been recently renovated with cream shaker-style cabinets, granite/stone countertops, stainless steel appliances, tile backsplash, and new LVP flooring throughout; bathrooms are functional and clean but retain original builder-grade vanities and basic tile surrounds that stop short of a full renovation, placing this solidly in the above-average band with the kitchen carrying most of the update weight.
Kitchen: UPDATED — cream shaker cabinets, granite-look countertops, full stainless steel appliance suite (refrigerator, range, microwave, dishwasher), tile backsplash, recessed lighting; clearly a recent renovation.
Baths: DATED-BUT-SOUND — original builder-grade white vanities with laminate counters, basic white tile surrounds in showers/tub, ceramic tile floors; clean and functional but not updated to match the kitchen.
Floors: UPDATED — new gray LVP/laminate plank flooring installed throughout living areas and bedrooms; consistent and in excellent condition.
Ext: DATED-BUT-SOUND — stucco with stone accent at entry, attached two-car garage, roof appears to be in serviceable condition (architectural shingles, no visible damage), well-maintained lawn; large metal pole barn/carport structure on property adds utility; chain-link fencing; screened porch visible at rear.
Pool: None visible.
Roof: Appears serviceable — architectural shingles, no visible missing or damaged sections; age consistent with 2003 build, likely original but not showing obvious distress.
Adjustments
Sqft: +114sqft (64 past the 50sqft deadband) × $99/sqft = $+6,336
Lot: -11,332sqft (diminishing rate, capped at 15% of price) = $-22,112
Age: comp is 4yrs newer = -$6,360 (2% of comp price)
net % · gross %
50 from RPR, 1 from Street View, 1 from Aerial
COMP C40907 W 3rd Ave, Umatilla, FL 32784sold ✓84% matchCondition 2.4/5
Match 84% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Multiple bedrooms are stripped to bare concrete slab with adhesive residue, paint splatter, and visible wall damage/holes, indicating significant work needed; common areas have dated but functional tile and original 1984 kitchen and baths that are worn but intact.
Kitchen: Original oak cabinets, dark laminate counters, dated appliances — functional but no updates since original construction
Baths: Master bath has wood vanity with tile surround tub, dated but intact; second bath has white vanity with stained tile floor and basic surround — both dated-but-sound
Floors: Large ceramic tile in living/dining areas is dated but intact; bedroom floors are completely stripped to bare concrete with adhesive debris and paint residue — defective, requires full flooring installation
Ext: Stucco ranch with attached garage and covered porch; older asphalt shingle roof; overgrown landscaping and deferred maintenance visible; structurally sound but worn
Pool: None visible
Roof: Appears to be older asphalt shingle, age uncertain, no obvious missing sections but likely near end of useful life given 1984 vintage
Adjustments
Sqft: -193sqft (143 past the 50sqft deadband) × $99/sqft = $-14,157
Age: comp is 15yrs older = +$6,750 (3.8% of comp price)
net % · gross %
19 from RPR, 1 from Street View, 1 from Aerial
COMP D285 E Lake St, Umatilla, FL 32784sold ✓84% matchCondition 3.4/5
Match 84% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The comp shows a mid-renovation state: bathrooms are genuinely updated (freestanding soaking tub, modern tile walk-in shower, new vanity), new LVP flooring throughout, and fresh exterior paint/siding — but the kitchen is clearly incomplete (painted navy cabinets over old boxes, laminate counters, a rough wood peninsula frame, mismatched appliances, and missing upper cabinet doors in places), pulling the overall score below the 4-band threshold.
Kitchen: DATED-BUT-SOUND trending DEFECTIVE — painted navy upper cabinets over original boxes, laminate counters, tile backsplash, stainless dishwasher and refrigerator but a rough unfinished wood peninsula frame visible; kitchen appears mid-renovation and not fully finished.
Baths: UPDATED — one bath features a modern freestanding soaking tub with wall-mount filler and wood-look tile floor; second bath has a large walk-in tile shower with rain head, new gray vanity, and matching tile floor. Both are recent and quality installs.
Floors: UPDATED — new dark LVP/laminate plank flooring installed throughout living areas and bedrooms; consistent and in good condition.
Ext: UPDATED — fresh blue paint on siding, painted white brick lower half, new red entry door, newer wood privacy fence, well-maintained lawn, newer HVAC unit visible on side. Roof appears serviceable but age not clearly determinable.
Pool: None visible.
Roof: Appears original or mid-age; no obvious damage visible but no clear signs of recent replacement.
Adjustments
Sqft: -104sqft (54 past the 50sqft deadband) × $99/sqft = $-5,346
Lot: +2,215sqft (diminishing rate, capped at 15% of price) = $+4,430
Age: comp is 15yrs older = +$6,563 (3.8% of comp price)
net % · gross %
50 from RPR, 1 from Street View, 1 from Aerial
COMP E40416 W 9th Ave, Umatilla, FL 32784sold ✓83% matchCondition 3.7/5
Match 91% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Kitchen is dated-but-sound with painted/whitewashed cabinets and stainless appliances — functional but not a true renovation; master bath is updated with granite, wood vanity and large tiled walk-in shower, while the second bath shows granite counter but dark painted walls and older tub/shower combo; flooring is a mix of standard ceramic tile throughout main areas and newer LVP in the master bedroom, keeping it solidly above average in some rooms but not a full renovation package.
Kitchen: DATED-BUT-SOUND — whitewashed/painted raised-panel cabinets, laminate/light stone counters, stainless appliances (range, microwave, dishwasher, French-door fridge); functional and clean but cabinets are not a modern update
Baths: UPDATED (master) / DATED-BUT-SOUND (secondary) — master has granite vanity top, wood raised-panel cabinet, large walk-in tiled shower with glass door and arched window; secondary bath has granite counter but dark painted walls, older tub/shower combo with curtain
Floors: DATED-BUT-SOUND — standard ceramic tile throughout main living areas and kitchen; newer LVP visible in master bedroom; no defects observed
Ext: DATED-BUT-SOUND — stucco in good condition, attached garage, screened porch on rear, fire pit area in backyard; rear exterior shows some rust staining on downspout and modest landscaping; roof appears to be architectural shingle in serviceable condition with no obvious damage
Pool: None visible
Roof: Appears serviceable — architectural shingle, no obvious missing or damaged sections visible from photos
Adjustments
Sqft: -221sqft (171 past the 50sqft deadband) × $99/sqft = $-16,929
Lot: +3,565sqft (diminishing rate, capped at 15% of price) = $+7,130
net % · gross %
36 from RPR, 1 from Street View, 1 from Aerial
COMP F40932 Maxwell Rd, Umatilla, FL 32784sold ✓83% matchCondition 3.2/5
Match 83% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The home is clean and functional but entirely original circa-2001 finishes throughout — white laminate-door cabinets, laminate counters, dated wallpaper border, white appliances, original tile baths with builder-grade vanities, and laminate/tile flooring — placing it solidly in the average/dated-but-sound band with no meaningful updates to push it higher.
Kitchen: DATED-BUT-SOUND: Original white flat-panel cabinets, laminate countertops, dated floral wallpaper border, all-white appliances (refrigerator, range, dishwasher, microwave); clean and functional but no updates.
Baths: DATED-BUT-SOUND: Master bath has corner jetted tub with tile surround and separate glass-door shower, single vanity with laminate counter — all original builder grade. Hall bath has tub/shower combo with white tile, single vanity — same era. Both clean, no visible damage.
Floors: DATED-BUT-SOUND: Light laminate wood-look flooring in main living areas, standard ceramic tile in bedrooms/master and wet areas — all appear original and in acceptable condition with no visible damage.
Ext: DATED-BUT-SOUND: Stucco ranch with attached two-car garage; stucco appears clean and intact, screened porch on rear, white vinyl fence, detached metal/wood outbuilding shed. Landscaping is minimal but tidy.
Pool: None visible
Roof: Appears to be original or mid-age architectural shingle; no obvious missing shingles or sagging visible from exterior photos — condition acceptable but age warrants inspection.
Adjustments
Sqft: -209sqft (159 past the 50sqft deadband) × $99/sqft = $-15,741
Lot: -2,620sqft (diminishing rate, capped at 15% of price) = $-5,240
net % · gross %
45 from RPR, 1 from Street View, 1 from Aerial
COMP G40544 E 9th Ave, Umatilla, FL 32784sold ✓81% matchCondition 4.8/5
Condition reasoning: This is a newly constructed home (2026) shown under active construction/completion with caution tape still up, fresh stucco exterior, new architectural shingle roof, and no visible defects — essentially brand-new construction that will be move-in ready upon completion.
Kitchen: Not visible in photos; assumed new construction grade given 2026 build date
Baths: Not visible in photos; assumed new construction grade given 2026 build date
Floors: Not visible in photos; materials appear to be staged in garage, consistent with new construction finishing stage
Ext: Updated — fresh gray stucco finish, new architectural shingle roof, black shutters, attached garage, clean lines; landscaping not yet established (bare sand lot), caution tape indicates construction not fully complete
Pool: None visible
Roof: Brand new architectural shingles, no concerns
Adjustments
Sqft: -234sqft (184 past the 50sqft deadband) × $99/sqft = $-18,216
Lot: -2,620sqft (diminishing rate, capped at 15% of price) = $-5,240
Age: comp is 27yrs newer = -$44,550 (13.5% of comp price)
net % · gross %
1 from Zillow, 1 from Street View, 1 from Aerial
COMP H40407 W 8th Ave, Umatilla, FL 32784sold ✓80% matchCondition 4.8/5
Match 86% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: This is a brand-new 2025 construction with white shaker cabinets, granite countertops, stainless steel appliances, large-format tile showers with glass enclosures, double-sink vanities with granite, new LVP/hardwood-look flooring throughout, fresh paint, and a clean stucco/stone exterior with new architectural shingle roof — every system and finish is new with zero wear visible.
Kitchen: UPDATED — white shaker cabinets, granite countertops, full stainless steel appliance suite (refrigerator, range, microwave, dishwasher), undermount sink, recessed lighting; new construction quality throughout
Baths: UPDATED — master bath features double-sink granite vanity with white shaker cabinets, large-format wood-look tile walk-in shower with frameless/sliding glass enclosure; all fixtures appear new
Floors: UPDATED — new LVP/engineered wood-look plank flooring throughout all visible areas, no wear or damage
Ext: UPDATED — new stucco and stone veneer facade, dark architectural shingle roof (new), covered rear patio, fresh landscaping; clean and defect-free
Pool: None visible
Roof: New architectural shingle roof, consistent with 2025 build date
Adjustments
Sqft: -368sqft (318 past the 50sqft deadband) × $99/sqft = $-31,482
Age: comp is 26yrs newer = -$46,150 (13% of comp price)
net % · gross %
26 from RPR, 1 from Street View, 1 from Aerial
COMP I40415 W 8th Ave, Umatilla, FL 32784sold ✓80% matchCondition 4.8/5
Match 86% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: This is a brand-new 2026 construction with zero wear visible anywhere — white shaker cabinets, granite counters, stainless appliances, large-format tile shower surrounds with glass enclosures, new LVP/hardwood-look flooring throughout, fresh stucco exterior with stone accent, and new architectural shingle roof; the only reason it doesn't reach a full 5.0 is that the finishes are builder-grade rather than luxury (standard shaker, basic granite, wire closet shelving), placing it at the strong upper edge of the 4-band.
Kitchen: UPDATED — white shaker cabinets, granite/stone countertops, stainless steel appliances (refrigerator with ice maker, range, microwave), peninsula with sink, recessed lighting; all brand new
Baths: UPDATED — master bath features double-sink vanity with granite counters, white shaker cabinets, large-format tile walk-in shower with glass sliding door; all fixtures appear new and unused
Floors: UPDATED — new LVP/engineered wood-look plank flooring throughout all living areas, bedrooms, and bathrooms; no carpet visible; no wear or damage
Ext: UPDATED — new stucco finish with stone veneer accent band, architectural shingle roof (new), attached two-car garage, covered rear patio, fresh landscaping; no defects visible
Pool: None visible
Roof: New architectural shingle roof, consistent with 2026 construction
Adjustments
Sqft: -368sqft (318 past the 50sqft deadband) × $99/sqft = $-31,482
Age: comp is 27yrs newer = -$46,116 (13.5% of comp price)
net % · gross %
29 from RPR, 1 from Street View, 1 from Aerial
COMP J40390 W 1st Ave, Umatilla, FL 32784sold ✓80% matchCondition 3.8/5
Match 94% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The kitchen is clearly updated with two-tone shaker cabinets, granite counters, stainless appliances and recessed lighting (UPDATED); the bathroom shows large-format tile surround and clean tub (UPDATED); flooring is a mix of large-format porcelain tile in main areas and newer LVP in at least one bedroom (UPDATED); exterior is a 2017-built stucco home in good structural shape with a relatively new roof, but landscaping is sparse/patchy and the yard shows some clutter/fire pit debris, keeping it from the top of the band.
Kitchen: Updated — two-tone gray/white shaker cabinets, granite countertops, stainless steel refrigerator, dishwasher and range, recessed lighting, good condition
Baths: Updated — large-format marble-look tile surround on tub/shower, clean white tub, modern fixtures; no vanity photo but tile work is quality
Floors: Updated — large-format porcelain tile in main living areas and laundry; newer dark LVP laminate visible in at least one bedroom; consistent and in good condition
Ext: Dated-but-sound — 2017 stucco construction, appears structurally solid with white-trimmed windows and attached garage; landscaping is sparse with bare/patchy lawn and some yard clutter; above-ground pool frame visible in backyard
Pool: Above-ground pool structure visible in backyard — appears to be a private above-ground pool on the property lot
Roof: Appears to be original 2017 shingle roof — relatively recent, no visible damage or wear concerns
Adjustments
Sqft: +57sqft (7 past the 50sqft deadband) × $99/sqft = $+693
Age: comp is 18yrs newer = -$24,390 (9% of comp price)
net % · gross %
11 from RPR, 1 from Aerial
COMP K40523 W 6th Ave, Umatilla, FL 32784sold ✓79% matchCondition 3.2/5
Match 86% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Exterior shows a clean, well-maintained ranch with metal roof and fresh paint, and interior flooring appears to be newer dark laminate/LVP; however, kitchen and bathrooms are not visible, the above-ground pool is murky/green (neglected), and the overall presentation is functional but modest with no clear full renovation evident.
Kitchen: Not visible in provided photos — cannot assess; assumed dated-but-sound given 2002 build with no renovation evidence shown
Baths: Not visible in provided photos — cannot assess; assumed dated-but-sound for age
Floors: UPDATED — dark wood-look laminate or LVP visible in the interior room photo; appears newer and in good condition
Ext: DATED-BUT-SOUND — teal/green painted block or stucco exterior with metal roof (durable upgrade), attached garage, carport shade structure, fenced backyard; paint appears fresh and structure is well-maintained
Pool: Above-ground frame pool visible in backyard with green/murky water — appears neglected; not a permanent in-ground pool
Roof: Metal roof — appears to be a relatively recent upgrade, good condition with no visible damage
Adjustments
Sqft: +236sqft (186 past the 50sqft deadband) × $99/sqft = $+18,414
Lot: -5,234sqft (diminishing rate, capped at 15% of price) = $-10,468
net % · gross %
5 from RPR
COMP L40411 W 8th Ave, Umatilla, FL 32784sold ✓77% matchCondition 4.8/5
Match 83% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: New construction (2026) with fresh stucco exterior, new architectural shingle roof, new LVP flooring throughout, and all-new systems visible in garage; the rendering photo indicates finishes consistent with a fully move-in-ready new build, placing this solidly at the top of the scale with only minor deduction for limited interior photo coverage of kitchen and baths.
Kitchen: Not directly photographed, but new construction 2026 — assumed updated with builder-grade new finishes consistent with the rest of the home
Baths: Not directly photographed, but new construction 2026 — assumed updated/new throughout
Floors: UPDATED — new light-tone LVP visible in foyer and laundry room, clean and unblemished
Ext: UPDATED — new stucco finish, stone accent base, dark architectural shingle roof, attached two-car garage, covered rear patio; all consistent with brand-new construction
Pool: None visible
Roof: New architectural shingles, 2026 construction
Adjustments
Sqft: -368sqft (318 past the 50sqft deadband) × $99/sqft = $-31,482
Age: comp is 27yrs newer = -$45,765 (13.5% of comp price)
net % · gross %
5 from RPR
COMP M40882 W 5th Ave, Umatilla, FL 32784sold ✓72% matchCondition 4.8/5
Match 85% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: 2023 new construction with fresh stucco/stone exterior, new roof, updated LVP flooring, recessed lighting, and clean modern finishes throughout — essentially move-in ready with no visible deferred maintenance or dated elements.
Kitchen: Not directly visible in photos, but 2023 build implies new cabinetry, counters, and appliances consistent with current construction standards — UPDATED
Baths: Not directly visible, but 2023 new construction — UPDATED by default
Floors: New light oak LVP/hardwood-look flooring throughout visible living areas — UPDATED
Ext: Fresh stucco with stone accent banding, new attached garage, clean concrete driveway, new wood-rail fencing, well-maintained lawn — UPDATED
Pool: None visible
Roof: New architectural shingle roof consistent with 2023 build — appears recent and in excellent condition
Adjustments
Age: comp is 24yrs newer = -$37,260 (12% of comp price)
net % · gross %
3 from RPR
COMP N40308 W 1st Ave, Umatilla, FL 32784sold ✓72% matchCondition 3.8/5
Match 85% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: 2019-built home shows clean, well-maintained condition with neutral paint, carpet in good shape, and a tidy exterior with attached garage and concrete driveway; however, no kitchen or bathroom photos are available to confirm update quality, and the interior finishes visible (carpet, textured ceilings, basic trim) are builder-grade rather than upgraded, placing this solidly in the upper-average range.
Kitchen: No photo available — cannot assess; assumed builder-grade given 2019 construction and overall finish level visible elsewhere
Baths: No photo available — cannot assess
Floors: DATED-BUT-SOUND — wall-to-wall carpet throughout visible rooms; appears clean and in good condition consistent with 2019 build, no visible wear or staining
Ext: UPDATED — 2019 construction, stucco/painted exterior, architectural shingle roof, attached two-car garage, concrete driveway, well-maintained lawn on a large lot; no visible damage or deferred maintenance
Pool: None visible
Roof: Appears recent — consistent with 2019 build date, architectural shingles in good condition visible from aerial
Adjustments
Lot: -3,927sqft (diminishing rate, capped at 15% of price) = $-7,854
Age: comp is 20yrs newer = -$32,300 (10% of comp price)
net % · gross %
1 from Aerial
COMP O40288 W 3rd Ave, Umatilla, FL 32784sold ✓71% matchCondition 4.2/5
Match 84% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Built in 2022, this home shows a clean, well-maintained stucco exterior with a relatively new architectural shingle roof, fresh landscaping, and a white two-car garage — all consistent with near-new construction; no interior photos are available to confirm kitchen/bath finishes, but the exterior presents solidly above average with no visible defects or deferred maintenance.
Kitchen: No interior photos available — cannot assess directly; assumed contemporary given 2022 build date
Baths: No interior photos available — cannot assess directly; assumed contemporary given 2022 build date
Floors: No interior photos available — cannot assess directly
Ext: UPDATED — clean gray stucco finish, white garage door, concrete driveway in good condition, fresh landscaping, wood rail fencing; backyard shows a portable metal storage shed and some bare sandy patches but no structural concerns
Pool: None visible
Roof: Appears recent — architectural shingles consistent with 2022 construction, no visible wear or damage
Adjustments
Lot: -5,234sqft (diminishing rate, capped at 15% of price) = $-10,468
Age: comp is 23yrs newer = -$37,087 (11.5% of comp price)
net % · gross %
4 from RPR
COMP P40389 W 1st Ave, Umatilla, FL 32784sold ✓71% matchCondition 3.2/5
Match 84% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Living area shows clean, intact tile flooring and freshly painted walls in a 2017-built home, but no kitchen, bathroom, or exterior photos are available to confirm update level; the visible interior is livable and tidy but unremarkable, placing it solidly in the average band with a slight upward nudge for the newer construction year.
Kitchen: Not visible in provided photos — cannot assess
Baths: Not visible in provided photos — cannot assess
Floors: DATED-BUT-SOUND — standard large-format ceramic/porcelain tile in living area, consistent with builder-grade 2017 finish, no visible damage or wear
Ext: Not visible — photo unavailable
Pool: Not visible — no pool evidence in available photos
Roof: Not visible — no exterior photo available
Adjustments
Sqft: +197sqft (147 past the 50sqft deadband) × $99/sqft = $+14,553
Age: comp is 18yrs newer = -$26,910 (9% of comp price)
net % · gross %
3 from RPR
Active & Pending Properties
(5)ceiling
COMP Q110 Twin Lake Cir, Umatilla, FL 32784active ✓87% matchCondition 3.2/5
Match 87% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The home is clean and livable but entirely original/dated throughout — light oak cabinets, laminate counters, white appliances (coil range, side-by-side fridge), wallpaper borders, and original bath fixtures all consistent with a 2001 build that has never been updated; interior tile flooring and fresh paint keep it from dropping below average, but no meaningful renovation has occurred.
Kitchen: DATED-BUT-SOUND — original light oak cabinets, laminate countertops, white coil-range, white dishwasher, white refrigerator, wallpaper border; functional but no updates
Baths: DATED-BUT-SOUND — both baths retain original oak vanities, laminate counters, wallpaper borders, and builder-grade fixtures; master has sliding glass shower door, second bath has tub/shower combo with dated tile surround; clean but unimproved
Floors: DATED-BUT-SOUND — standard builder 12x12 ceramic tile throughout main living areas and bedrooms; no visible damage but no upgrade
Ext: DATED-BUT-SOUND — stucco in good condition, freshly mulched beds, well-maintained lawn, white vinyl fence, screened/glass Florida room addition; roof appears mid-life (original 2001 or one replacement); no visible damage
Pool: None visible
Roof: Appears to be original or one replacement; architectural shingles in acceptable condition with no obvious missing or damaged areas
Adjustments
Sqft: +67sqft (17 past the 50sqft deadband) × $99/sqft = $+1,683
Lot: +2,180sqft (diminishing rate, capped at 15% of price) = $+4,360
net % · gross %
38 from RPR, 1 from Street View, 1 from Aerial
ceiling
COMP R40621 E 2nd Ave, Umatilla, FL 32784pending ✓84% matchCondition 4.3/5
Match 91% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The comp shows a well-executed renovation package: new LVP flooring throughout, stainless steel appliances, updated tile shower in the master bath, fresh interior paint, and a clean screened pool enclosure with new-looking pool — the kitchen cabinets and counters are original/dated-but-sound (laminate counters, builder-grade wood cabinets) which keeps this out of the 4.5+ range, but the overall presentation is solidly above average with multiple meaningful updates completed.
Kitchen: DATED-BUT-SOUND — original builder-grade wood cabinets with simple pulls, laminate/light stone countertops, and a drop-in sink; stainless steel appliances (refrigerator, range, dishwasher) appear newer and are in good condition. Cabinets and counters have not been replaced.
Baths: UPDATED — master bath has a fully tiled walk-in shower with large-format marble-look tile and a niche, updated vanity faucet; secondary bath has a tub/shower combo with clean white surround, matching vanity style. Both are clean and functional with no visible defects.
Floors: UPDATED — new light-toned LVP installed throughout all visible living areas, bedrooms, and kitchen; no visible damage or wear.
Ext: DATED-BUT-SOUND — stucco exterior in good condition with no visible cracking or damage, attached two-car garage, concrete driveway, fresh landscaping beds, detached metal storage shed visible in rear. Yard is maintained.
Pool: Clean, clear water, screened enclosure with newer-looking black aluminum frame, concrete pool deck in good condition — private in-ground pool.
Roof: Appears to be original or mid-age architectural shingle in good condition — no visible missing shingles, sagging, or moss; color and profile consistent with a 2007 build that has been maintained.
Adjustments
Sqft: -79sqft (29 past the 50sqft deadband) × $99/sqft = $-2,871
Lot: -1,314sqft (diminishing rate, capped at 15% of price) = $-2,628
Age: comp is 8yrs newer = -$13,000 (4% of comp price)
net % · gross %
28 from RPR, 1 from Aerial
ceiling
COMP S108 Twin Lake Cir, Umatilla, FL 32784active ✓83% matchCondition 2.9/5
Match 83% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: The comp is livable as-is but sits at the weak edge of average: the kitchen retains original oak cabinets, laminate counters, and white appliances (all dated-but-sound), bathrooms are original builder-grade with oak vanities and basic fixtures, flooring is a mixed bag of newer dark LVP in living areas and original tile in kitchen/baths with older carpet in at least one bedroom — functional but not cohesive. No meaningful updates have been made to the primary systems, keeping this solidly in the lower-average range.
Kitchen: DATED-BUT-SOUND — original oak cabinets, laminate countertops, white appliances (refrigerator, microwave, range), fluorescent box lighting; functional but no updates
Baths: DATED-BUT-SOUND — original oak or white builder vanities, basic single-bowl sinks, cultured marble counters, tile surround in tub/shower, original fixtures; clean but unimproved
Floors: DATED-BUT-SOUND — newer dark LVP installed in living/dining areas, original ceramic tile in kitchen and baths, older carpet visible in at least one bedroom; mixed and inconsistent
Ext: DATED-BUT-SOUND — stucco in fair condition, roof appears mid-age (architectural shingles, no obvious damage), landscaping sparse and patchy in spots, screened porch addition in rear, concrete driveway in good shape
Pool: None visible
Roof: Appears mid-life architectural shingle; no visible damage or missing material
Adjustments
Lot: +2,105sqft (diminishing rate, capped at 15% of price) = $+4,210
net % · gross %
50 from RPR, 1 from Street View, 1 from Aerial
ceiling
COMP T93 Fairway Cir, Umatilla, FL 32784active ✓82% matchCondition 3.2/5
Match 82% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: Well-maintained 2007-built home with clean stucco exterior and good roof, but the interior is entirely original — honey oak cabinets, white appliances, dated brass fixtures, original carpet and tile throughout — placing it solidly in the dated-but-sound/average band with no meaningful updates to push it higher.
Kitchen: DATED-BUT-SOUND: Original honey-oak raised-panel cabinets, white double-oven range and microwave, dark laminate/granite-look counters on peninsula; functional but no updates since construction.
Baths: DATED-BUT-SOUND: Master bath has original oak vanity with dark countertop, brass fixtures, gold-framed shower door, tile surround tub — all original 2007 finishes, clean and intact but not updated.
Floors: DATED-BUT-SOUND: Original 12-inch ceramic tile in main living/kitchen areas and original carpet in bedrooms and living room; carpet appears clean but is builder-grade original.
Ext: DATED-BUT-SOUND: Gray stucco in good condition, well-trimmed landscaping, concrete driveway, tiled rear patio; no visible cracking or damage.
Pool: Community pool visible in one photo — rectangular pool with iron fencing and 'No Lifeguard' signage consistent with an HOA amenity pool, not a private backyard pool.
Roof: Appears to be original architectural shingles in good condition with no visible missing shingles, moss, or sagging; likely mid-life for a 2007 build.
Adjustments
Lot: +1,710sqft (diminishing rate, capped at 15% of price) = $+3,420
Age: comp is 8yrs newer = -$12,396 (4% of comp price)
net % · gross %
50 from RPR, 1 from Street View, 1 from Aerial
ceiling
COMP U40351 W 1st Ave, Umatilla, FL 32784pending ✓72% matchCondition 4.3/5⚠ Heavy adj
Match 85% (distance, sqft, recency, lot, age, beds, baths)
Condition reasoning: 2020-built home shows like new construction with clean stucco/hardie exterior, fresh architectural shingle roof, dark LVP flooring, and crisp white interior finishes throughout — no visible wear or deferred maintenance; limited interior photos prevent a full 4.5+ score.
Kitchen: Not directly visible in provided photos, but 2020 build vintage and overall finish quality strongly suggest updated builder-grade or better finishes — UPDATED
Baths: Not directly visible, but consistent with new construction quality — UPDATED
Floors: Dark wood-look LVP visible in entryway — clean, no gaps or damage — UPDATED
Ext: Gray stucco/hardie-panel siding, attached two-car garage, concrete driveway, well-maintained lawn, storage shed on lot — UPDATED
Pool: Above-ground or in-ground pool visible in backyard behind safety fence — appears to be a private pool on this lot
Roof: Architectural shingles, 2020 vintage — appears new/recent, no visible wear
Adjustments
Sqft: -158sqft (108 past the 50sqft deadband) × $99/sqft = $-10,692
Lot: -13,510sqft (diminishing rate, capped at 15% of price) = $-23,745
Pool: comp has, subject doesn't = -$40,631
Age: comp is 21yrs newer = -$39,375 (10.5% of comp price)
net % · gross %
3 from RPR
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