3210 SARATOGA DRIVE, TAVARES, FL, 32778
Active4 days on marketListed Oct 9, 2026MLS #G5118573
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About this home
3210 SARATOGA DRIVE
Welcome to Royal Harbor, where resort-style living meets the beauty of Florida’s Harris Chain of Lakes! Located in a gated active adult community, this beautifully updated home offers the perfect blend of comfort, style, and the Florida lifestyle you've been dreaming of! With over $162K in seller upgrades, highlights include a 16x32 lanai addition with shingle roof ($32K), whole-house Andersen window replacement, sliders, and plantation shutters ($60K investment). Additional improvements include a ROOF (2021), HVAC (2018), and TANKKESS HOT WATER HEATER (2021) - A complete list of upgrades is available upon request! Step inside and you'll immediately appreciate the welcoming, open feel, beautiful luxury vinyl plank flooring, neutral colors, plantation shutters, and thoughtful touches throughout. The kitchen is both stylish and functional, featuring quartz countertops, stainless steel appliances, solid wood cabinetry, and updated lighting. The expanded dining area creates a wonderful space for entertaining friends and family or simply enjoying everyday meals. Both bedrooms are conveniently located on the main level, including a comfortable primary suite with a tray ceiling, accent lighting, and an updated ensuite bathroom. Upstairs, you'll discover a versatile loft with its own half bath and a peek at Little Lake Harris! Whether you envision a home office, creative retreat, hobby room, or extra space for visiting family, the possibilities are yours. One of the home's most inviting features is the spacious covered and screened lanai, affectionately named the "Big Sky Lanai" by the sellers. It's the perfect place to relax, entertain, and enjoy spectacular views of Disney fireworks and even rocket launches lighting up the Florida sky! And there's plenty to appreciate behind the scenes, too - A whole-house water filtration system, and three-zone heating and cooling add comfort, efficiency, and peace of mind. But the lifestyle doesn't stop at your front door! Royal Harbor offers an impressive collection of amenities, including a waterfront clubhouse, fitness center, library, heated pool and spa, pickle ball and bocce courts, scenic walking paths, a community fishing pier, and FREE RV and boat storage. With Little Lake Harris as a beautiful backdrop and nearby Hickory Point providing public boat-launch access to the Harris Chain of Lakes, boating, fishing, and waterfront adventures are always within reach. Beautifully updated, thoughtfully designed, and surrounded by opportunities to enjoy the best of Central Florida living, this is more than a home. It's a lifestyle you'll love coming home to! This home can be purchased with NO MONEY DOWN or NO INCOME VERIFICATION
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,986
Sqft
0.17 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$200
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.
$3,356 /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
$3,356/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
+14.2%
$/sqft vs Tavares actives
$200 vs $190
Days on market
4 vs 70 typical
Where $200/sqft sits among the 242 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 → $305K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
130 of 242
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3210 SARATOGA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$335,000
5277 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 2,086 sqft · $161/sqft · 126 DOM
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
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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3210 SARATOGA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3210 SARATOGA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3210 SARATOGA DRIVE FAQs
What would the monthly payment be for 3210 SARATOGA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,356/mo — principal and interest, the actual property-tax bill, the $238/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 3210 SARATOGA DRIVE?+
The association fee works out to $238 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3210 SARATOGA DRIVE?+
The most recent tax bill on record (2025) was $5,340. 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 3210 SARATOGA 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 Tavares?+
At $397,000, this home is listed about 20% above the Tavares median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3210 SARATOGA DRIVE?+
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
$397,000 runs 26% above the TAVARES 32778 median — but at 1,986 sqft it's also 19% larger than the typical Tavares listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Tavares market that averages 70 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kelly Monroe. MLS #G5118573.
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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