39905 BAYVIEW DRIVE, LADY LAKE, FL, 32159
Active29 days on marketListed Aug 23, 2026MLS #G5116821
About this home
39905 BAYVIEW DRIVE
Virtually Staged. Almost 1,600 SF villa type house with NO CARPET, screened in rear patio and a 2 car garage located in a gated golf community just outside of The Villages! Affordable Florida living with incredible amenities and exceptional value! Welcome to the gated golf community of Harbor Hills. One of the most unique neighborhoods you’ll find in Lady Lake, where beautiful tree-lined streets lead you home. An incredible opportunity to enjoy a country club lifestyle at an affordable price, this villa delivers outstanding value without sacrificing space, comfort, or amenities. FromThe moment you arrive, you’ll appreciate the charm, convenience, and lifestyle this community has. Step inside this 2-bedroom, 2-bath villa featuring a desirable open floor plan with vaulted ceilings. The spacious living room overlooks the dining area and eat- in kitchen while offering a view of the screened rear lanai overlooking the side and back yards, creating the perfect space for relaxing or entertaining. The eat-in kitchen offers plenty of cabinet storage, Corian countertops, glass windows in the corner of the eating area and a bar height breakfast counter. An open archway at the kitchen sink overlooks both the dining and living areas so you’re always part of the conversation. Primary Bedroom #1 features laminate wood flooring, a spacious walk-in closet, seating area with windows, leading into the master bath complete with a double vanity and tiled no-step walk-in shower. Bedroom #2 offers a walk-in closet and direct bathroom access to the second bathroom making it ideal as a guest suite, home office or hobby room. The second bathroom features a tiled shower/tub combination. Enjoy your morning coffee or unwind in the enclosed rear lanai overlooking the private backyard since there are no homes behind so you can enjoy your Florida lifestyle in a quiet relaxed way. Additional features include a 2-car garage and numerous updates, including: Roof (2025), HVAC (2022), Irrigation system approximately 2-3 years old, Luxury vinyl flooring throughout and new appliances. HOA monthly fees and Required Social Membership is approximately $380 a month which provides entry gate access to the community manned with officers 24, use of the Country Club, fitness center, locker rooms including hot tub, steam room and private showers, Junior Olympic swimming pool, pickle ball courts, tennis courts, bocce ball court, restaurant, member dinners, social clubs, marina membership and more creating a lifestyle you’ll love. Finding a home with thoughtful updates, resort-style amenities, and this much value at such affordable prices are rare. Whether you’re looking for a full-time residence, seasonal getaway, or investment opportunity, this is your chance to enjoy the Florida relaxed lifestyle just minutes from The Villages.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,598
Sqft
0.21 ac
Lot size
2
Garage
1992
Year built
One
Levels
$175
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.
$2,460 /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
$2,460/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.
$/sqft vs Lady Lake actives
$175 vs $204
Days on market
29 vs 60 typical
Where $175/sqft sits among the 188 Lady Lake 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 Lady Lake
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lady Lake market
$306K → $320K
Lady Lake median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
103 of 188
Lady Lake actives have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 39905 BAYVIEW DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$223,000
6144 TOPSAIL ROAD · same community
2 bd · 2 ba · 1,598 sqft · $140/sqft · 21 DOM
Sold · Aug ’26$220,000
6200 TOPSAIL ROAD · same community
2 bd · 2 ba · 1,537 sqft · $143/sqft · 56 DOM
Sold · Jan ’26$255,000
6224 TOPSAIL ROAD · same community
2 bd · 2 ba · 1,500 sqft · $170/sqft · 38 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39905 BAYVIEW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39905 BAYVIEW DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39905 BAYVIEW DRIVE FAQs
What would the monthly payment be for 39905 BAYVIEW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,460/mo — principal and interest, the actual property-tax bill, the $182/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 39905 BAYVIEW DRIVE?+
The association fee works out to $182 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39905 BAYVIEW DRIVE?+
The most recent tax bill on record (2025) was $4,159. 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 39905 BAYVIEW DRIVE?+
The listing reports pets: Number Limit. 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 $279,900, this home is listed about 17% below the Lady Lake median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39905 BAYVIEW DRIVE?+
Wildwood Elementary School (elementary) — Sumter County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HARBOR HILLS SALES, INC · Sean Rich. MLS #G5116821.
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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