5154 INDIAN OCEAN LOOP, TAVARES, FL, 32778
Active30 days on marketListed Aug 21, 2026MLS #G5116779
About this home
5154 INDIAN OCEAN LOOP
COMING SOON — A BRAND-NEW KITCHEN IS SCHEDULED FOR INSTALLATION IN OCTOBER 2026! Welcome to Royal Harbor, a gated 55+ community offering an active Florida lifestyle near the shores of Little Lake Harris. This custom 3-bedroom, 2-bath home offers a spacious and distinctive floor plan, a NEW ROOF in 2022, NEW HVAC in 2024, NEW WATER SOFTENER in 2024, and kitchen appliances purchased new in 2024 — with an exciting kitchen renovation still to come! From the moment you enter through the beautiful leaded-glass front door, the home's architectural details make an impression. Decorative columns frame the formal dining area, while high ceilings, arched openings and abundant natural light create an open and inviting feel throughout the main living spaces. The generously sized Great Room provides plenty of room for entertaining and opens directly to the enclosed lanai, extending the living space and creating a comfortable place to enjoy Florida living year-round. Beyond the lanai is an additional screened patio, complete with a hot tub and space for grilling or relaxing outdoors. The spacious primary suite features a large walk-in closet, private access to the lanai and an en-suite bath with dual vanities, soaking tub and separate walk-in shower. A split-bedroom floor plan places the secondary bedrooms away from the primary suite, providing additional privacy for guests, a home office or hobby space. And there is even more to look forward to — a BRAND-NEW KITCHEN is scheduled to be installed in October 2026, giving the heart of this home a fresh new look to complement its spacious floor plan. Royal Harbor offers much more than a home — it offers a lifestyle. Community amenities include a clubhouse, screened junior Olympic-size pool and spa, fitness center, library, craft, computer and billiards rooms, social hall, tennis, pickleball, shuffleboard and bocce. Enjoy community activities, shows, dinners, dances and classes, along with a lakefront dock, fishing, picnic areas, walking and golf-cart paths. RV and boat storage is also available to residents at no additional charge, and a community boat ramp across the road provides convenient access for enjoying the Harris Chain of Lakes. With major improvements already completed, a new kitchen on the way and an amenity-filled community surrounding you, this Home is ready for its next chapter! All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent. Check out the Virtual Tour!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,095
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
One
Levels
$179
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,115 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,115/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.9%
$/sqft vs Tavares actives
$179 vs $190
Days on market
30 vs 45 typical
Where $179/sqft sits among the 257 Tavares actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tavares
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tavares market
$318K → $313K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
129 of 257
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 5154 INDIAN OCEAN LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$380,000
3344 SARATOGA DRIVE · same community
3 bd · 2 ba · 2,106 sqft · $180/sqft · 7 DOM
Sold · Dec ’25$316,000
5331 INDIAN OCEAN LOOP · same community
3 bd · 2.5 ba · 2,137 sqft · $148/sqft · 2 DOM
Sold · Jun ’26$330,000
5135 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,766 sqft · $187/sqft · 64 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.
Your agent
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5154 INDIAN OCEAN LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5154 INDIAN OCEAN LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5154 INDIAN OCEAN LOOP FAQs
What would the monthly payment be for 5154 INDIAN OCEAN LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,115/mo — principal and interest, the actual property-tax bill, the $228/mo association fee 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.
How much are the HOA fees at 5154 INDIAN OCEAN LOOP?+
The association fee works out to $228 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5154 INDIAN OCEAN LOOP?+
The most recent tax bill on record (2025) was $4,241. 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 5154 INDIAN OCEAN LOOP?+
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 $375,000, this home is listed about 14% above the Tavares median of $329,745. The market section on this page shows how the area is trending.
Which schools are assigned to 5154 INDIAN OCEAN LOOP?+
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.
Keep looking
Similar homes nearby
Listing courtesy of HARRISON REAL PROPERTY GROUP · Amanda Harrison. MLS #G5116779.
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.
Never miss a listing
New Tavares homes, in your inbox
Like 5154 INDIAN OCEAN LOOP but not quite? A daily digest of every new listing in Tavares — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Arlinda to ping you on any price or status change →