427 CAROLINA AVENUE, LADY LAKE, FL, 32159
Active14 days on marketListed Oct 2, 2026MLS #O6445801
About this home
427 CAROLINA AVENUE
Enjoy peaceful country living, just minutes from all the amenities of Lady Lake, and close to the Villages. This charming single family home is nestled in a peaceful neighborhood on 2.25 acres with no HOA. The yard has many mature oak trees and is partially fenced in. Upon entering the home you are greeted by a bright and airy living space with ten foot ceilings and an open floor plan. The living room is the perfect spot to relax, featuring a three panel sliding door looking out onto the screened in pool. The kitchen is spacious, featuring stainless steel appliances, granite countertops, tons of cabinet space, and a center island that doubles as a breakfast bar. And don’t forget about the huge pantry! This home offers four bedrooms, including a spacious master bedroom with a large closet, an en-suite bathroom and a private entrance to the pool area. A second bedroom is complete with a large closet and its own bathroom. The two additional bedrooms are generously sized and share a full bathroom. There is also an office that could be versatile as a craft room or play area. Then, step out into the beautiful screened in pool area, where the salt water pool features a tranquil waterfall. This area is perfect for outdoor entertaining. In addition to the pool you can walk down to little Lake Hattie and watch the wildlife while enjoying the breeze. This house is a must see!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,371
Sqft
2 ac
Lot size
2
Garage
2019
Year built
One
Levels
$257
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.
$4,045 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,045/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+8.8%
$/sqft vs Lady Lake actives
$257 vs $204
Days on market
14 vs 97 typical
Where $257/sqft sits among the 161 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)
89 of 161
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 90% above the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 427 CAROLINA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$322,990
1006 SWAMP CHESTNUT LOOP
4 bd · 3 ba · 2,417 sqft · $134/sqft · 27 DOM
Sold · Oct ’26$307,990
883 SHUMARD WAY
4 bd · 3 ba · 2,417 sqft · $127/sqft · 69 DOM
Sold · Aug ’26$302,990
1026 SWAMP CHESTNUT LOOP
3 bd · 2.5 ba · 2,281 sqft · $133/sqft · 0 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 427 CAROLINA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 427 CAROLINA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
427 CAROLINA AVENUE FAQs
What would the monthly payment be for 427 CAROLINA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,045/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 427 CAROLINA AVENUE?+
The most recent tax bill on record (2025) was $4,380. 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 427 CAROLINA AVENUE?+
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 $610,000, this home is listed about 74% above the Lady Lake median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 427 CAROLINA AVENUE?+
Wildwood Elementary School (elementary) — Sumter 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
$610,000 runs 90% above the LADY LAKE 32159 median — but at 2,371 sqft it's also 29% larger than the typical Lady Lake listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $620,000, now $610,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOUWZER INC · Daniel Robinson. MLS #O6445801.
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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