3300 SARATOGA DRIVE, TAVARES, FL, 32778
Active3 days on marketListed Oct 10, 2026MLS #G5118574
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About this home
3300 SARATOGA DRIVE
Dreaming of the Harris Chain of Lakes lifestyle without the waterfront price tag? Calling all boating and fishing enthusiasts! Here's your opportunity! Located in Royal Harbor, a gated active adult community in Tavares, this beautifully updated 2-bedroom, 2-bath home offers views of Little Lake Harris, fantastic amenities, and easy access to some of Central Florida's best boating and bass fishing! Royal Harbor offers FREE RV and boat storage, plus a community fishing pier overlooking Little Lake Harris. Just next door, Hickory Point's public boat launch is your gateway to the legendary Harris Chain of Lakes, a bass fishing paradise known for its tournaments, incredible boating, and waterfront dining. And you're right in Tavares, the "Seaplane Capital of the World", where waterfront adventures and Florida living go hand in hand! With $45K+ in recent seller upgrades, this home is move-in ready and full of improvements! Enjoy premium quartzite countertops and backsplash, updated bathroom vanities, stylish lighting fixtures, and fresh interior and exterior trim paint. Big-ticket improvements include a ROOF REPLACEMENT (2023) and HVAC SYSTEM (2026), LUXURY PLANK VINYL (2023) KITCHEN CABINETS (2023) offering comfort and peace of mind. But there's so much more to love beyond the front door! Royal Harbor delivers the Florida lifestyle with a Junior Olympic-sized swimming pool, relaxing hot tub, fitness center, tennis and pickleball courts, and plenty of social activities to keep you as busy or relaxed as you'd like. Best of all, the low HOA fee even includes cable TV! Conveniently located in the heart of Central Florida, you're approximately an hour from Orlando's world-famous theme parks and within easy reach of both Florida coasts and beaches. Why pay a premium for a waterfront home when you can enjoy so much of the lake lifestyle for less? Whether you're searching for a full-time residence or a seasonal Florida getaway, this Royal Harbor gem offers the perfect combination of comfort, community, and adventure. Come see what Florida living is all about! This home can be purchased with NO MONEY DOWN or NO INCOME VERIFICATION” to the public remarks section.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,387
Sqft
0.15 ac
Lot size
2
Garage
2002
Year built
One
Levels
$258
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.
$3,079 /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
$3,079/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
+31.7%
$/sqft vs Tavares actives
$258 vs $190
Days on market
3 vs 70 typical
Where $258/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)
132 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 14% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3300 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 · May ’26$299,900
6002 ARMADA STREET · same community
3 bd · 2 ba · 1,613 sqft · $186/sqft · 59 DOM
Sold · Jun ’26$330,000
5135 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,766 sqft · $187/sqft · 64 DOM
Sold · Sep ’26$335,000
5277 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 2,086 sqft · $161/sqft · 126 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3300 SARATOGA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3300 SARATOGA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3300 SARATOGA DRIVE FAQs
What would the monthly payment be for 3300 SARATOGA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,079/mo — principal and interest, the actual property-tax bill, the $225/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 3300 SARATOGA DRIVE?+
The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3300 SARATOGA DRIVE?+
The most recent tax bill on record (2025) was $5,142. 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 3300 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 $357,950, this home is listed about 9% above the Tavares median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3300 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
$357,950 runs 14% above the TAVARES 32778 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 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 #G5118574.
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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