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Jim Ruddy Team
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108 Twin Lake Circle, Umatilla, FL 32784

$309,900
New to the Market
BEDS3 BATHS2 full SQUARE FEET1,277 MLS#V4947781
MAP LISTING
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784

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108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784
108 Twin Lake Circle, Umatilla, FL 32784

Property Description

Welcome to this charming and well-maintained home in Twin Lakes Estates, a desirable 55+ gated lakeside community known for its friendly neighbors and active lifestyle. Residents enjoy a clubhouse with regular social events, a community pool, scenic walking and biking trails, and well-lit streets perfect for peaceful morning or evening strolls. From the moment you arrive, the spacious driveway and attached two-car garage offer convenience and plenty of room for guests. Inside, the open-concept living area creates a warm and inviting space perfect for relaxing evenings or gathering with family and friends. Sliding glass doors lead to an enclosed Florida room-an ideal spot to enjoy your morning coffee, read a book, or simply take in Florida's sunshine year-round. The kitchen is designed to be the heart of the home, featuring 42-inch wood cabinetry, a built-in pantry, generous storage, and a window overlooking the front yard. Ample counter space and dual work areas make it perfect for cooking, entertaining, or setting up a cozy coffee bar. The adjoining dining area offers plenty of space for everyday meals or special gatherings.The thoughtfully designed split floor plan provides privacy, with the primary suite offering a spacious walk-in closet and an en-suite bathroom complete with a deep soaking tub-perfect for unwinding after a long day. Two additional bedrooms share a well-appointed bathroom, making them ideal for guests, hobbies, or visiting family. A convenient indoor laundry room with extra shelving provides additional storage and easy access to the garage. Step outside from the Florida room to a sunny patio area, perfect for grilling, gardening, or creating your own peaceful outdoor retreat. Located close to shopping, dining, parks, medical facilities, and major toll roads, you'll enjoy easy access to Orlando attractions, Orlando International Airport, and everything Central Florida has to offer. This inviting home offers the perfect blend of comfort, lifestyle, and location. Come see it for yourself and discover why so many love calling Twin Lakes Estates home. *SOLD AS IS* with right to inspect. **It is the buyer's sole responsibility to confirm all restrictions with HOA, Community, City and/or County guidelines/rules.**

108 Twin Lake Circle | MLS# V4947781

This single family home located at 108 Twin Lake Circle, Umatilla, FL 32784 is currently listed for sale with an asking price of $309,900. This property was built in 2001 and has 3 bedrooms and 2 full baths with 1277 sq. ft. Twin Lake Circle is located in the UMATILLA TWIN LAKE ESTATES subdivision. Search UMATILLA TWIN LAKE ESTATES real estate on jimruddyteam.watsonrealtycorp.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air
Garage: 2 car attached
Heating: Central
Lot Size: 0.23 Acres
Roof Type: Shingle
Stories: 1.0
Taxes: $1,573
Year Built: 2001
Square Feet: 1,277

Amenities

Kitchen/Family Room Combo
Living Room/Dining Room Combo
Balcony
Sliding Doors

Feature Descriptions

Additional Rooms: Florida Room, Inside Utility
Appliances: Dishwasher, Microwave, Range, Refrigerator
Association Amenities: Gated, Pool, Recreation Facilities
Community Features: Clubhouse, Community Mailbox, Deed Restrictions, Golf Carts OK
Directions: SR-19 North to Umatilla. (L) Twin Lake circle, home on the right.
Exterior: Block, Stucco
Flood Zone Code: x
Flooring: Carpet, Laminate
Foundation: Slab
HOA Fee: 600/ Annually
HOA Y/N: Yes
Home Warranty Y/N: No
Listing Terms: Cash, Conventional, FHA, USDA Loan, VA Loan
Lot Dimensions: 0.23
Other Equipment: Irrigation Equipment
Ownership: Fee Simple
Pets Allowed: Cats OK, Dogs OK
Pets Restrictions: It is the buyer's sole responsibility to confirm all City/County and HOA restrictions.
Property Attached Y/N: No
Property Sub-Type: Single Family Residence
Senior Community: Yes
Sewer: Septic Tank
Showing Instructions: Supra Lock Box, ShowingTime
Special Sale Provisions: None
Utilities: Cable Connected, Electricity Available
Water: None
Water Access Y/N: No
Windows: Blinds
Zoning: PUD

Room Sizes

Bedroom 1: 10x10

Listed By / Shown By

Listed By

Agency Name: COMPLETE REALTY
Agency Contact: 386-804-6169

Shown By

Agent Name: Jim Ruddy Team
Agent Phone: (407) 718-0984
Agency Title: Watson Realty Corp., REALTORS ®

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Estimated Payment

$ 1,715.86 per month $1,494.38 Principal & Interest $131.08 Property Tax $90.39 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information 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. Information on this site was last updated 03/20/2026. The listing information on this page last changed on 03/20/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 03/20/2026 12:14:57 AM EST) or GAMLS (last updated Thu 03/19/2026 11:15:08 PM EST) or Stellar MLS (last updated Thu 03/19/2026 11:59:15 PM EST) or SPC MLS (last updated Thu 03/19/2026 11:20:38 PM EST) or Martin MLS (last updated Thu 03/19/2026 11:38:18 PM EST) or Indian River MLS (last updated Thu 03/19/2026 11:30:30 PM EST) or Daytona MLS (last updated Thu 03/19/2026 11:36:57 PM EST) or Northeast Florida MLS (last updated Fri 03/20/2026 12:08:55 AM EST) or Beaches MLS (last updated Fri 03/20/2026 12:08:04 AM EST) or BORMLS (last updated Thu 03/19/2026 11:16:04 PM EST) or Golden Isles MLS (last updated Thu 03/19/2026 11:26:41 PM EST) or Amelia/Nassau MLS (last updated Thu 03/19/2026 11:25:21 PM EST) or Dixie Gilchrist Levy MLS (last updated Thu 03/19/2026 11:42:25 PM EST) or NFLMLS (last updated Thu 03/19/2026 9:07:27 PM EST). Real estate listings held by brokerage firms other than Watson Realty Corp., REALTORS ® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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