Shoreline Ranch
Homes for Sale in Umatilla, FL
All 70 homes for sale in UMATILLA, FL · median $364,900 · 63 homes for sale in 32784 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Shoreline Ranch in Umatilla, FL has 3 homes for sale. Homes listed or recently sold were built 2006 - 2026 with 1 new construction; 4 of 4 report an HOA (median $129/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 87 ft).
Homes For Sale Right Now in Shoreline Ranch
Live MLS inventory for Shoreline Ranch. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Shoreline Ranch listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2025. Tap any home to ask about it.
Every Home for Sale in Shoreline Ranch Right Now (2)
All 2 active and pending Shoreline Ranch listings with a detail page, newest first, refreshed twice a day from the MLS.
- 38797 Ranch Gate Boulevard · $690,900 · 3 bd / 3 ba · listed Sep 10, 2026 · listed by Hometown Realty Professional I
- 20280 Shoreline Ranch Lane · $1,200,000 · 4 bd / 3.5 ba · listed Jun 22, 2026 · listed by Real Broker, Llc
Shoreline Ranch is a brand-new build-out - every home in the FACTS set carries a 2024 year built, so there is no older resale stock to compare against and no renovation story to price around. Condition is uniform; what will differentiate one listing from another is lot position, elevation, and builder options, not age or deferred maintenance.
The market posture here is buyer-leaning, and the 48-month supply figure is the number to sit with. Against only 4 active listings and 68 total homes, that reading points to a very slow absorption pace rather than a glut of inventory - a small, thin market where a single sale or withdrawal can swing the math. Sellers should price with patience in mind; buyers can negotiate but should not expect a wide selection to choose from.
Shoreline Ranch right now
🟢 Buyer-leaning market. 36.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Low (3 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 21, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Shoreline Ranch is a small, gated new-construction community in Lake County where every home shares the same 2024 vintage - the story here is about a limited, uniform-condition inventory pool rather than a spread of eras or price points.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Shoreline Ranch. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Shoreline Ranch; content deemed reliable but not guaranteed.
Who Shoreline Ranch is best for.
Best for
- A buyer who wants a home built in 2024 with no deferred maintenance to negotiate around
- A buyer comfortable purchasing in a small, gated, deed-restricted community with limited unit turnover
- A buyer who is not on a tight timeline and can wait out a thin, slow-moving listing pool
Probably not for
- A buyer who wants a large set of comparable listings to shop and negotiate against
- A buyer seeking an established, older-vintage neighborhood with a longer resale history
- A seller who needs a fast sale - the 48-month supply reading points to a slow absorption pace
The market around Shoreline Ranch
Shoreline Ranch is too small for its own price trend, so here is the market around it.
In ZIP 32784, 94 homes are on the market and 22% are under contract — a steady corner of Umatilla.
Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).
In ZIP 32784 (UMATILLA), 318 homes closed in the last 12 months at a median of $247K ($178/sq ft), down 2.8% year over year, with a median 73 days on market. Right now 15 active and 7 pending listings put supply at about 3.1 months - a balanced market. See the live ZIP 32784 housing market and the Lake County market.
ZIP and county figures describe the wider market, not Shoreline Ranch specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in SHORELINE RANCH, UMATILLA
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Shoreline Ranch on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Shoreline Ranch
- Deed Restrictions · reported on 5 of 5 listings
- Gated Community - No Guard · reported on 5 of 5 listings
- Fence Restrictions · reported on 2 of 5 listings
- Community Mailbox · reported on 2 of 5 listings
- Gated Community · reported on 2 of 5 listings
- Secured Garage/Parking · reported on 2 of 5 listings
- Security Lights · reported on 2 of 5 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Umatilla Elem · Elementary
- Umatilla Middle · Middle
- Umatilla High · High
Zoned schools reflect the assignments reported on recent Shoreline Ranch listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Shoreline Ranch address.
Shop the zone: Homes zoned for Umatilla High High School
The Shoreline Ranch buying strategy.
If we were buying in Shoreline Ranch today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Shoreline Ranch.
A Single-Vintage, Low-Volume Market
With a median living area of 2,051 square feet and every recorded home built in 2024, Shoreline Ranch reads as a cohesive, recently delivered product line rather than a community with layered history. There is no older section to weigh against newer phases - what you see in current listings is close to what the whole community looks like structurally.
The zero percent homestead share is consistent with a community this new: many homes may not yet have had time to be filed as a primary residence, or they were purchased for uses other than an owner-occupied homestead. Buyers evaluating resale comparables or rental potential should verify current occupancy and exemption status directly rather than assume based on this early-stage figure. Access and structure amenities - gated entry without a guard, community mailboxes, secured garage parking, and security lighting - point to a controlled, deed-restricted layout, though buyers should confirm current fence rules and HOA enforcement directly, per the amenities note.
The location and the amenities are priced into every listing in Shoreline Ranch. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community with only 4 active listings and a 48-month supply reading is not one where you can rely on a big comparable set or a fast-moving MLS feed to tell the story. We track this kind of thin, single-vintage market closely so pricing conversations - on either side of the transaction - are grounded in what is actually available, not in assumptions carried over from larger, older communities nearby.
Shoreline Ranch in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $129/month (about $1,548/yr) · median of 36 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $129 per month ($1,548 a year) - the median AssociationFee across 36 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Shoreline Ranch buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Shoreline Ranch sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Shoreline Ranch, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Shoreline Ranch home worth?
Get a no-obligation home value based on real comparable sales in Shoreline Ranch, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Umatilla →
Recently off market in Shoreline Ranch
Homes in Shoreline Ranch that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 38361 Lake Meadow Court · off market
- 38514 Wooded Meadow Drive · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
25% of homes for sale in ZIP 32784 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-21).
Shoreline Ranch Market Scorecard
Shoreline Ranch is currently a strong buyer's market. About 36.0 months of supply, a median asking price of $769,000, and homes go under contract in about 80 days.
Typical home value in the 32784 ZIP is $294,131, about 15.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Shoreline Ranch a buyer's or seller's market right now?
Who is the best real estate agent for Shoreline Ranch?
How do I find a top Umatilla real estate agent who knows Shoreline Ranch?
Can Momentum Realty connect me with an agent for Shoreline Ranch?
Where is Shoreline Ranch, and what county is it in?
Should you buy in Shoreline Ranch?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2025 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Shoreline Ranch fits the bigger picture — live prices, inventory, and Momentum Scores:
More Umatilla & Lake County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lake County or the full Neighborhood Finder.
Nearby Communities
Explore more neighborhoods near Shoreline Ranch with Momentum Realty’s local guides.