805 Camelia Ct · Lady Lake, FL 32159

$179,900

2 bd · 2.0 ba · 1,324 sqft · Manufactured public records · 159 Days on market

Built 1986 5,400 sqft lot Est $181k · at est.

---

Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +21.0/30.0
• ARV discount +7.9/15.0
• DSCR +6.7/10.0
• 1% rule +5.9/10.0
• Schools +4.2/10.0
• Rent growth +3.5/5.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

Key facts

• Tile walk-in shower
• Florida room
• Gourmet kitchen

Tags

• FLORIDA ROOM
• FULLY ENCLOSED LANAI
• GOURMET KITCHEN
• TILE WALK-IN SHOWER
• ENCLOSED SUNPORCH
• COVERED GOLF CART PARKING AREA

Property features AI

Finance

• Other: Senior community; Direction faces: East
• Financial info: No lease restrictions noted; Partially furnished
• HOA & community: Part of The Villages association; Association amenities include pool, fitness center, recreational facilities, gated access, wheelchair access; No association fee required (per listing); Community features: community mailbox, dog park, golf, golf carts allowed, racquetball, sidewalks, tennis courts, street lights

Exterior

• Parking: Carport (1 space); Golf cart parking
• Security: Security gate
• Utilities: Public water; Public sewer; Sewer connected; Water connected; Electricity available; Cable available; Phone available; Underground utilities
• Home design: Manufactured double-wide home; Single-story; Faces east; One-level entry
• Construction: Vinyl siding with frame construction; Membrane roof; Crawlspace foundation; Built in 1 story (double-wide manufactured)
• Exterior features: Covered, enclosed and screened patio/porch; Awnings; Exterior lighting; Rain gutters; Irrigation equipment; Paved public road access; Lot dimensions approximately 60 x 90 (0.12 acres)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air
• Interior features: Built-in features; Ceiling fans; Living room/dining room combo; Open floorplan; Solid surface counters; Thermostat; Vaulted ceilings; Walk-in closets; Window treatments; Thermal windows
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $180k.

Deal economics

• At list price, monthly cash flow is $254 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Recommended offer: $158k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.1% in Lady Lake — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#457 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: employment D, amenities F, commute F.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.0%/yr); 576 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).
• This rent runs 40% of the median local income ($59k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 6y ago; this cycle's ask has dropped $25k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $150k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $158,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 159 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.09% ✓
• Cap rate: 7.98%
• Cash-on-cash: 6.04%
• DSCR: 1.27
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $181,388
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
729 Camelia Ct	0.09mi	2/2.0	1,352 (+2%)	2mo	$185,000	$137	91
809 Orchid St	0.14mi	2/2.0	1,342 (+1%)	2mo	$209,000	$156	90
1613 Bay Meadows Ln	0.45mi	2/2.0	1,384 (+4%)	4mo	$225,000	$163	68
17586 SE 133rd Ct	0.65mi	2/2.0	1,352 (+2%)	6mo	$130,000	$96	61
813 Saint Andrews Blvd	0.49mi	2/2.0	1,191 (-10%)	6mo	$152,000	$128	55
522 Saint Andrews Blvd	0.40mi	2/2.0	1,478 (+12%)	12mo	$175,000	$118	52

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.03% rent growth · sell at horizon

5-year hold

• IRR: -5.7%
• Equity multiple: 0.78×
• Total profit: $-10,871
• Equity at exit: $26,824

10-year hold

• IRR: 5.2%
• Equity multiple: 1.40×
• Total profit: $20,232
• Equity at exit: $15,554

Cash invested: $50,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32159

• Home prices YoY: -16.0%
• Rents YoY: 4.0%
• Active inventory: 576
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,968 high
• Mortgage (P&I): −$943
• Tax from tax record: −$282 /mo · $3,388/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$413
• Net cashflow: $254

Break-even live

Break-even rent $1,646

Max offer price $179,900

Occupancy floor 82%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $44,975
• Closing costs: $5,397
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1715 Pebble Beach Ln Lady Lake, FL	2.0	2.0	1040	$3,500	$3.37	23d	1	0.26mi
909 Orchid St Lady Lake, FL	2.0	1.0	936	$1,600	$1.71	23d	1	0.27mi
1540 Hillcrest Dr Lady Lake, FL	2.0	2.0	1200	$1,600	$1.33	23d	1	0.45mi
739 Heathrow Ave Lady Lake, FL	2.0	2.0	1040	$2,250	$2.16	2d	1	0.64mi
1614 Kiley Ct Unit 1545709P Lady Lake, FL	2.0	2.0	1593	$3,452	$2.17	16d	1	0.69mi
17408 SE 121st Cir Summerfield, FL	3.0	2.0	1733	$1,850	$1.07	21d	1	0.86mi
1532 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1092	$2,950	$2.70	23d	1	0.87mi
1430 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1377	$2,500	$1.82	23d	1	0.92mi
17472 SE 121st Cir Summerfield, FL	3.0	2.0	1330	$1,950	$1.47	13d	1	0.95mi
1214 Dustin Dr Lady Lake, FL	2.0	2.0	1040	$1,400	$1.35	23d	1	0.99mi
13765 NE 136th Loop Lady Lake, FL	1.0–3.0	1.0–2.0	1078	$1,639	$1.52	21d	36	1.00mi
703 Royal Palm Ave Lady Lake, FL	3.0	2.0	1730	$2,600	$1.50	21d	1	1.01mi
13740 Lead LN The Villages, FL	1.0–3.0	1.0–2.0	1029	$1,720	$1.67	21d	38	1.04mi
640 Rainbow Blvd Lady Lake, FL	2.0	2.0	1600	$1,900	$1.19	23d	1	1.05mi
1401 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1552	$1,999	$1.29	23d	1	1.05mi
17951 SE 115th Cir Summerfield, FL	3.0	2.0	1829	$2,100	$1.15	13d	1	1.06mi
1824 Marion County Rd Weirsdale, FL	2.0	2.0	1064	$1,500	$1.41	23d	1	1.08mi
1222 Palmetto Dr Lady Lake, FL	2.0	2.0	1248	$1,700	$1.36	23d	1	1.10mi
602 Jason Dr Lady Lake, FL	3.0	2.0	1726	$1,650	$0.96	23d	1	1.27mi
617 Webb Way Lady Lake, FL	2.0	2.0	1542	$3,000	$1.95	23d	1	1.29mi
1314 Corona Ave Lady Lake, FL	2.0	2.0	1656	$2,500	$1.51	21d	1	1.42mi

Listing history 24 events

1. 2026-06-02
   remarks 695-char remark
2. 2026-06-02
   statusdays on market $179,900 Pending 159 DOM
3. 2026-05-31
   days on market $179,900 Active 158 DOM
4. 2026-04-30
   price $179,900
5. 2026-04-14
   status Active
6. 2026-04-02
   status Pending
7. 2026-02-20
   price $184,900
8. 2026-02-06
   price $189,900
9. 2026-01-29
   price $191,900
10. 2026-01-08
    price $192,900
11. 2025-12-30
    price $193,900
12. 2025-12-19
    price $195,000
13. 2025-12-12
    listed $204,900 Active
14. 2021-08-30
    soldstatus $149,900
15. 2021-08-25
    soldstatus $149,900 Closed 1440-char remark

    Show marketing remark (1440 chars)

    SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

16. 2021-07-02
    status Pending 1440-char remark

    Show marketing remark (1440 chars)

    SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

17. 2021-06-30
    status Active 1440-char remark

    Show marketing remark (1440 chars)

    SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

18. 2021-06-25
    status Pending 1440-char remark

    Show marketing remark (1440 chars)

    SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

19. 2021-06-22
    listed $149,900 Active 1440-char remark

    Show marketing remark (1440 chars)

    SPACIOUS 2 BR 2 BA LOCATED IN THE HEART OF THE HISTORIC DISTRICT - ORANGE BLOSSOM GARDENS - OF THE VILLAGES. A VERY SHORT GOLF CART RIDE TO THE PREMIER ORANGE BLOSSOM GARDENS GOLF COURSE & COUNTRY CLUB, GOLF STORE, RESTAURANT, AND THE MOST DESIRED POOL AND SPA FEATURING THE INFAMOUS WATERFALL! THIS HOME'S MAIN UPGRADES ARE IN PLACE INCLUDING RECENTLY INSTALLED HEATING AND AIR UNIT THAT'S STILL UNDER WARRANTY, MEMBRANE ROOF, AND THERMO INSULATED TILT-IN WINDOWS FOR EASY CLEANING. ENJOY EASY LISTENING STEREO THROUGHOUT THIS HOUSE WITH A WIRED-IN SYSTEM AND SPEAKERS. THE MASTER BEDROOM IS SPACIOUS EASILY ACCOMMODATING A KING-SIZE BED AND THE MASTER BATH FEATURES A WALK-IN SHOWER. THE KITCHEN AND BATHROOMS ARE FRESHLY PAINTED FEATURING UPDATED FAUCETS AND HARDWARE. ACCESS THE BONUS ROOM FROM THE LARGE LIVING ROOM AND THERE YOU WILL FIND PRIVACY FOR A HOME OFFICE/HOBBY AREA/MEDIA ROOM OR FITNESS ROOM THAT HAS EXTERIOR ACCESS. THE LAUNDRY AREA IS NICELY SIZED ACCOMMODATING WASHER AND DRYER WITH LOTS OF STORAGE AREA. AN ENCLOSED ENTRY ROOM OFF THE CARPORT IS CONVENIENT FOR LOADING/UNLOADING BEFORE ENTERING THE HOME'S FOYER. THERE'S ALSO A SEPARATE COVERED GOLF CART PARKING AREA AT THE REAR OF THE HOUSE. THE RECREATIONAL AMENITIES OF THIS HISTORIC VILLAGE ARE ENDLESS FOR THE ACTIVE AND FOR THE NATURE LOVERS AS WELL. LOCATED JUST A SHORT GOLF CART RIDE OVER THE BRIDGE AND INTO THE HEART OF SPANISH SPRINGS TOWN SQUARE!

20. 2021-02-26
    price $144,900
21. 2020-11-03
    listed $149,900 Active
22. 2016-09-28
    soldstatus $110,000
23. 2013-12-16
    soldstatus $106,100
24. 1986-12-01
    soldstatus $12,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,388 · $282/mo
• Projected year-2 tax: $3,388 · $282/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,611
• − Mortgage interest: −$10,077
• − Property taxes: −$3,388
• − Insurance: −$900
• − Repairs & maintenance: −$1,889
• − Management: −$1,889
• − Depreciation: −$5,233
• Taxable income: $235
• Est. tax owed @ 24.0%: −$56
• After-tax cash flow: $2,988/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Lady Lake

• Score: 69/100
• State rank: #457
• US rank: #8302

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment D Housing A+ Health & safety A- User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lady Lake, FL
• County: Lake County · 364,602 people
• City population: 32,107
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 32,107
• Household income: $58,518
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 1047.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 6% Two or more races 5% Black 4% Asian 1%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 3%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 1% Other Indo-European 1%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.24%
• Current HPI: 237.6208
• Rent YoY: ▲ 4.03%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+1399.2% since first listed

21 events — show timeline

• 2026-04-30 Price Changed $179,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Price Changed $184,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-06 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-29 Price Changed $191,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-08 Price Changed $192,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-30 Price Changed $193,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-19 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-12 Listed $204,900 Stellar MLS as Distributed by MLS Grid
• 2021-08-30 Sold (Public Records) $149,900 Public Records
• 2021-08-25 Sold (MLS) $149,900 Stellar MLS as Distributed by MLS Grid
• 2021-07-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-06-30 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-06-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-06-22 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2021-02-26 Price Changed $144,900 Stellar MLS as Distributed by MLS Grid
• 2020-11-03 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2016-09-28 Sold (Public Records) $110,000 Public Records
• 2013-12-16 Sold (Public Records) $106,100 Public Records
• 1986-12-01 Sold (Public Records) $12,000 Public Records

Property tax history

+14.7%/yr

Latest (2025): $3,388 · +7.1% YoY. Source: county tax records.