5090 INDIAN OCEAN LOOP, TAVARES, FL, 32778
Active14 days on marketListed Sep 6, 2026MLS #G5117270
About this home
5090 INDIAN OCEAN LOOP
Open floor plan with most men’s Dream GARAGE…The front Entry has a SCREENED in front porch. Welcome guests through the front door with BEVELED glass into the Foyer with HIGH cathedral ceilings and updated fixtures. The Formal Dining room has laminate flooring, updated fixtures, and opens to the Kitchen and Family room. The Living room is off the Foyer and has laminate flooring and an ARCHED entry. The Kitchen features 42” cabinets with under cabinet LED lights, ceramic tile flooring, GAS range and oven, Microwave, refrigerator and Bosch dishwasher, BAR TOP seating, and Dinette that overlooks the back yard. The Family room opens to the Kitchen, Dinette, Dining room with laminate flooring, an NICHE with lighting by hallway to Primary Bedroom. There are SLIDING glass doors onto the Covered and ENCLOSED patio/lanai. The Primary Bedroom has laminate flooring, a WALK-IN closet, sliding glass doors onto the covered and enclosed lanai/porch and a en suite bathroom. The Primary Bathroom has DUAL sinks, garden tub with separate shower, private water closet and ceramic tile flooring. Bedroom 2 has laminate flooring with a built in closet. Bedroom 3 has laminate flooring, built in closet and a view of the rear yard. Bath 2 has ceramic tile flooring, tub/ shower combo. The lanai/ enclosed patio has laminate flooring and has sliding glass doors onto into the Primary Bedroom and the Family room. The GARAGE:Over 1,000 sq. ft. In 2019 installed NEW Clopay premium insulated garage doors with NEW vinyl tile flooring and paint. led lighting, WORKBENCH area, in 2019 added NEW air conditioning separate from house. UPDATES: 2019-AC, ROOF, hot water heater, Halogen bulb Chandeliers, 2 commodes, Nine (9) triple impact glass windows by PGT, mini blinds, Hunter six-zone irrigation/sprinkler timer. 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. Participate and get involved with 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. 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
2,035
Sqft
0.27 ac
Lot size
3
Garage
2003
Year built
One
Levels
$196
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.
$3,274 /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
$3,274/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
+8.7%
$/sqft vs Tavares actives
$196 vs $190
Days on market
14 vs 45 typical
Where $196/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 23% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 5090 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5090 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 5090 INDIAN OCEAN LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5090 INDIAN OCEAN LOOP FAQs
What would the monthly payment be for 5090 INDIAN OCEAN LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,274/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 5090 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 5090 INDIAN OCEAN LOOP?+
The most recent tax bill on record (2025) was $4,324. 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 5090 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 $399,000, this home is listed about 21% above the Tavares median of $329,745. The market section on this page shows how the area is trending.
Which schools are assigned to 5090 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 RE/MAX TITANIUM GROUP · Kimberly Jones-Wilde. MLS #G5117270.
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 5090 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 Frederick to ping you on any price or status change →