CENTURY 21 Edge
Pending
$995,0003 bd2 ba3,163 sqft$315 /sqft$6,344 /mo all-in ↓

11322 DEAD RIVER ROAD, TAVARES, FL, 32778

Pending163 days on marketListed Feb 26, 2026MLS #G5108826

WaterfrontPrivate poolSingle Family ResidenceACREAGE & UNREC

About this home

11322 DEAD RIVER ROAD

Available Again! Welcome to a rare opportunity to own a private waterfront retreat on the shores of Lake Harris, one of the many lakes that make up the highly sought-after Harris Chain of Lakes. Offering over 3,100+ square feet of living space, this beautifully updated 3-bedroom, 2-bath home is perfectly positioned on a .67-acre lot on a quiet dead-end road, delivering exceptional privacy and breathtaking lake views. Located in unincorporated Lake County, you’ll enjoy the benefit of lower property taxes while still being just minutes from downtown Tavares, shopping, dining, and medical facilities. Inside, the home has been extensively updated and thoughtfully designed. The fully renovated kitchen features granite countertops, updated appliances, custom backsplash, abundant cabinetry, and a spacious breakfast bar overlooking the living areas. New hickory hardwood floors run throughout the home, complemented by updated plumbing, luxury ceiling fans, and beautifully renovated bathrooms with new vanities and one-piece luxury toilets. A redesigned fireplace and mantel add warmth and character, while new windows, doors, and a panoramic glass frame that fill the home with natural light and stunning lake views. The open-concept living area flows seamlessly to the outdoor space, where a large, screened pool enclosure opens to new paver patios, a custom paver firepit, and mature oak trees that create a park-like setting. The decorative stone façade and decorative concrete driveway (2021) provide outstanding curb appeal. Upstairs, the spacious loft area is ideal for a home office, creative studio, or quiet reading retreat, offering flexibility to suit your lifestyle while overlooking the main living space. For boating enthusiasts, the property features direct Lake Harris frontage along with a private canal leading to a covered boathouse equipped with a new lift and automatic boat cover. Enjoy year-round navigable access to the entire Harris Chain of Lakes — perfect for boating, fishing, waterfront dining, and sunset cruises right from your backyard. Major improvements include a new roof (2021) and a three-zone HVAC system (2021), providing peace of mind for years to come. This is more than a home ~ it’s a private Lake Harris lifestyle defined by space, sunsets, and endless waterfront possibilities. All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

3,163

Sqft

0.67 ac

Lot size

2

Garage

1980

Year built

One

Levels

$315

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringTravertine · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Heat Pump · Zoned

Outside & construction

RoofShingle
ConstructionVinyl Siding · Wood Frame
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Oversized
ExteriorFire Pit · French Doors · Irrigation System · Lighting · Sliding Doors

Community & fees

Taxes (2025)$5,302/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Water Available · Water Connected
WaterCanal/Lake For Irrigation · Public · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,344 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property tax — 2025 actual bill$442
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $99,500
Interest rate6.00%
Loan term

Estimated payment

$6,344/mo

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property taxes (actual bill)$442
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Tavares

Map of 11322 DEAD RIVER ROAD

Drive times from this address

Downtown Orlando56 min
Universal Orlando58 min
Walt Disney World66 min
Orlando Int’l Airport (MCO)70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tavares. See the full Tavares guide →

TAVARES 32778 — neighborhood snapshot

Population

25,099

Median age

53.8

Median income

$61,815

Median home value

$241,500

Avg household

2.16

Households w/ children

2,209

For the school run

Lake County School District

HighTavares High School★★★★★
ElementaryTavares Elementary School★★★★★
MiddleTavares Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tavares market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$318K$313K

Tavares median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 206% above the TAVARES 32778 median. See the full Tavares market guide →

Paper trail

This home's history

Feb 26, 2026Listed at $995,000 · 163 days on market since
1980Built · ACREAGE & UNREC

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11322 DEAD RIVER ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11322 DEAD RIVER ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

11322 DEAD RIVER ROAD FAQs

What would the monthly payment be for 11322 DEAD RIVER ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,344/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 11322 DEAD RIVER ROAD?+

The most recent tax bill on record (2025) was $5,302. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 11322 DEAD RIVER ROAD?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Tavares?+

At $995,000, this home is listed about 195% above the Tavares median of $336,800. The market section on this page shows how the area is trending.

Which schools are assigned to 11322 DEAD RIVER ROAD?+

Tavares High School (high), Tavares Elementary School (elementary), Tavares Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$995,000 runs 206% above the TAVARES 32778 median — but at 3,163 sqft it's also nearly twice the size of the typical Tavares listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

163 days on market against a Tavares median of 46 — sellers in this position are usually ready to negotiate.

Listing courtesy of HARRISON REAL PROPERTY GROUP · Amanda Harrison. MLS #G5108826.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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