CENTURY 21 Edge
$649,000$688,000≈$4,183 /mo all-in ↓

0 SOUTH LAKE HIAWATHA DRIVE, LADY LAKE, FL, 32159

Active114 days on marketListed Jun 19, 2026MLS #G5114058

✦ Reduced $39KWaterfrontNA

About this home

0 SOUTH LAKE HIAWATHA DRIVE

"11.6 acres total, with Spring-fed lakefrontage: a Town + Country Lifestyle + income opportunity! Location, location, location ( well installed in 2026 ) - this property is nestled between all the modern conveniences, within 8 minutes to Harbor Hills and 15 minutes to the Villages, Hospital + specialty doctors, veterinarians, etc! Enjoy. Easy access to the World Equestrian Center, Grand Oaks Resort, and the Chain of Lakes will be at your back door. On the larger 1st parcel, 9.58 acres, savor the no-flood elevation 145 feet above sea level, storm security, high and dry land. This lovely higher elevation, with future potential for permaculture and Agricultural income, on a regenerative wooded retreat estate land, then gently slopes to provide lake access via the 2nd parcel, measured by Lake County appraisers at full 2.01 acres on spring-fed Lake Hiawatha, with .5 acre lakefrontage above the current waterline. Zoned R1 it allows for a huge private dock, after the main residence is permitted + complete. In phases, a master plan of a huge Barn and Dock is each allowed in sequential permits from the Lake County Building Dept. Interested serious buyers may see all on the official Lake County, FL website's parcel topo layers overlay. The highest and best use for a private Estate with Agri income plus tax advantages can be for the owners with successful development for a residential homesteaded permaculture Farm Estate compound, with a maximum impervious area allowing for over 120,000 square feet of building foundations + driveways! Simply stated, the asking price will increase to 1.495 million dollars after the owner finishes the modern barndominium residence, and then after the Barn, the price will increase based on the valuation of the agriculture income valuation biz plan potential at $120k net annually, and the Dock in progressive growth phases. Plus vertical building code allows up to three stories of a truly impressive modern Town + Country Residential Retreat, building potential, then also including one accessory building such as a huge barn, studio/ workshop building, and a meditation private dock. For example current owner has planned after phase 1 a modern barndominium residence, then phase 2 large large hydroponics Barn could community co-op for more agricultural income.) For the largest internal square footage, an owner could start with a lovely standard three-story core residence, and the homeowner-builder developer can continue to grow by adding wings with connected roof lines over the course of time if desired. Current owner has a passion for permaculture restorative, regenerative Food Forest agricultural use, and Lake County Zoning Dept, A large modern Barndominium building, starting January 2026, wind-rated metal building Best highest and best use can be agricultural on 9 acres with rain watered hardy rosemary, basil, and mint and palms, keeping the natural oak hammocks microclimates under canopy and open glades, privacy and permaculture as natural regenerative rainwater with agricultural tax exemption applied for and wholesale income phase 1, phase 2 executive biz plan for a higher net income hydroponics.

Facts & features

The home at a glance

11.6 ac

Lot size

WaterfrontTrees/Woods & Water viewPets allowed

Inside

Outside & construction

ViewTrees/Woods · Water
FacesWest

Community & fees

Taxes (2024)$3,334/yr
PetsYes

Utilities & systems

UtilitiesElectrical Nearby
WaterWell

The numbers

What it really costs

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

$4,183 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,502
PMI (est., until 20% equity)$243
Property tax — 2024 actual bill$278
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,900Loan30-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% · $64,900
Interest rate6.00%
Loan term

Estimated payment

$4,183/mo

Principal & interest$3,502
PMI (est., until 20% equity)$243
Property taxes (actual bill)$278
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 Lady Lake

Drive times from this address

Downtown Orlando≈ 64 min
Universal Orlando≈ 67 min
Walt Disney World≈ 75 min

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

Get to know Lady Lake. See the full Lady Lake guide →

LADY LAKE 32159 — neighborhood snapshot

Population

30,846

Median age

68.7

Median income

$57,536

Median home value

$272,100

Avg household

1.83

Households w/ children

1,240

For the school run

Sumter County School District

ElementaryWildwood Elementary School★★★★★

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

The numbers that matter

The Lady Lake market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$306K → $315K

Lady Lake median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

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

This home is listed 100% above the LADY LAKE 32159 median. See the full Lady Lake market guide →

Paper trail

This home's history

CurrentPrice reduced to $649,000 ▼ $39K
Jun 19, 2026Listed at $688,000 · 114 days on market since

Reality check

What actually sold near 0 SOUTH LAKE HIAWATHA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

15933 OLD HIGHWAY 50Sold · Jan ’26

$200,000

15933 OLD HIGHWAY 50 · same community

2 bd · 1 ba · 905 sqft · $221/sqft · 0 DOM

9114 SE 12TH DRIVESold · Nov ’25

$229,000

9114 SE 12TH DRIVE · same community

2 bd · 2 ba · 920 sqft · $249/sqft · 6 DOM

22932 CAROLYN LANESold · May ’26

$325,000

22932 CAROLYN LANE · same community

2 bd · 1 ba · 1,056 sqft · $308/sqft · 4 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 0 SOUTH LAKE HIAWATHA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 0 SOUTH LAKE HIAWATHA DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

0 SOUTH LAKE HIAWATHA DRIVE FAQs

What would the monthly payment be for 0 SOUTH LAKE HIAWATHA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,183/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 0 SOUTH LAKE HIAWATHA DRIVE?+

The most recent tax bill on record (2024) was $3,334. 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 0 SOUTH LAKE HIAWATHA DRIVE?+

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 Lady Lake?+

At $649,000, this home is listed about 85% above the Lady Lake median of $349,900. The market section on this page shows how the area is trending.

Which schools are assigned to 0 SOUTH LAKE HIAWATHA DRIVE?+

Wildwood Elementary School (elementary) — Sumter 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

$649,000 runs 100% above the LADY LAKE 32159 median.

02Waterfront living

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

03The price has already moved

Listed at $688,000, now $649,000 — a $39K cut. The full history is in the market section below.

Listing courtesy of ERA GRIZZARD REAL ESTATE · Ricky Harper. MLS #G5114058.

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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