40045 PALM STREET, LADY LAKE, FL, 32159
Active57 days on marketListed Aug 20, 2026MLS #O6434980
About this home
40045 PALM STREET
$4,000 Closing Cost Concession! Welcome to 40045 Palm St, Lady Lake, FL 32159, a wonderful opportunity to enjoy the relaxed and inviting lifestyle of Central Florida. This charming property features a private swimming pool, offering the ideal space to unwind, entertain guests, and make the most of Florida’s beautiful year-round weather. Ideally situated in the Lady Lake area, this home provides convenient access to shopping, dining, recreational activities, and everyday amenities, while offering a comfortable setting to call home. Whether you are looking for a primary residence, seasonal retreat, or investment property, this home offers versatility and opportunity. As an added benefit, the seller is offering a $4,000 concession toward the buyer’s closing costs, subject to the terms of the purchase contract and lender approval, if applicable. Come experience the comfort, potential, and Florida lifestyle that 40045 Palm St has to offer. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,429
Sqft
0.24 ac
Lot size
2
Garage
1995
Year built
One
Levels
$203
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 — not generic estimates.
$2,335 /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
$2,335/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 Lady Lake actives
$203 vs $204
Days on market
57 vs 101 typical
Where $203/sqft sits among the 165 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 → $315K
Lady Lake median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
93 of 165
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 10% 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 40045 PALM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$265,000
40042 PALM STREET · same community
3 bd · 2 ba · 1,421 sqft · $186/sqft · 44 DOM
Sold · Mar ’26$250,000
4435 LEMON STREET · same community
3 bd · 2 ba · 1,439 sqft · $174/sqft · 127 DOM
Sold · Dec ’25$251,600
39939 MAGNOLIA STREET · same community
4 bd · 2 ba · 1,446 sqft · $174/sqft · 37 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40045 PALM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40045 PALM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40045 PALM STREET FAQs
What would the monthly payment be for 40045 PALM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,335/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 40045 PALM STREET?+
The most recent tax bill on record (2025) was $4,080. 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 40045 PALM STREET?+
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 Lady Lake?+
At $290,000, this home is listed about 17% below the Lady Lake median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 40045 PALM STREET?+
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 AGENT TRUST REALTY CORPORATION · Indira Vivas. MLS #O6434980.
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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