5604 GULF STREAM STREET, TAVARES, FL, 32778
Active23 days on marketListed Oct 16, 2026MLS #O6450222
About this home
5604 GULF STREAM STREET
YOUR FLORIDA RETREAT AWAITS IN GATED ROYAL HARBOR WITH MAJOR UPDATES ALREADY COMPLETED! Discover the perfect blend of comfort, thoughtful upgrades, and resort-style living in the beautiful 55+ Royal Harbor community of Tavares. This meticulously maintained 3-bedroom, 2-bath home offers 1,535 square feet of inviting living space, lush landscaping, mature trees, and a screened lanai overlooking a charming garden setting with a variety of fruit trees. ENJOY PEACE OF MIND WITH A NEWER ROOF (2021), A/C (2023), WATER HEATER (2023), AND FRESH INTERIOR PAINT! These valuable improvements allow you to focus on enjoying your Florida lifestyle rather than immediately tackling major updates. Step inside to discover bright, open living spaces filled with natural light, elegant arched openings, attractive wood-look laminate flooring, and expansive sliding glass doors that create a seamless connection to the outdoors. The spacious kitchen features vaulted ceilings, abundant cabinetry, generous counter space, a pantry, breakfast bar, and a cozy dining nook, perfect for everything from quiet mornings to entertaining family and friends. Retreat to the comfortable primary suite, complete with private access to the screened lanai, a walk-in closet, and an en-suite bathroom featuring dual sinks and a tiled shower. Two additional bedrooms provides flexibility for visiting guests, a home office, or your favorite hobbies. AND THE LIFESTYLE? THAT'S WHERE ROYAL HARBOR TRULY SHINES! Imagine trading ordinary afternoons for poolside relaxation, friendly pickleball matches, scenic walks, or social gatherings with neighbors. This gated, active community offers a Junior Olympic swimming pool, clubhouse, fitness center, tennis and bocce ball courts, billiards, creative spaces, and a variety of social activities. Convenient boat and RV storage adds even more flexibility for those who love exploring Florida. Situated along the shores of Little Lake Harris and the Harris Chain of Lakes, Royal Harbor combines natural beauty with a vibrant, welcoming atmosphere. Enjoy the tranquility of a beautifully maintained neighborhood while remaining conveniently close to shopping, dining, recreation, and Central Florida attractions. Whether you're entertaining friends, tending your garden, or unwinding on your screened lanai, this home offers the space, comfort, and lifestyle to make every day feel special. THREE BEDROOMS. MAJOR UPDATES. RESORT-STYLE AMENITIES. ONE EXCEPTIONAL OPPORTUNITY TO ENJOY THE FLORIDA LIFESTYLE. Schedule your private showing today and discover what makes life in Royal Harbor so special!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,535
Sqft
0.15 ac
Lot size
2000
Year built
One
Levels
$192
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.
$2,843 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,843/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+13.1%
$/sqft vs ROYAL HARBOR
$192 vs $186
Days on market
23 vs 64 typical
Where $192/sqft sits among the 9 homes for sale in ROYAL HARBOR
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
25,042
Median age
53.1
Median income
$63,472
Median home value
$266,500
Avg household
2.17
Households w/ children
2,136
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
$333K → $285K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
4 of 9
ROYAL HARBOR have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 5604 GULF STREAM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$300,000
5643 BOUNTY CIRCLE · same community
3 bd · 2 ba · 1,469 sqft · $204/sqft · 133 DOM
Sold · Jul ’26$317,000
5588 GULF STREAM STREET · same community
3 bd · 2 ba · 1,634 sqft · $194/sqft · 175 DOM
Sold · May ’26$320,000
3584 TROPICAL SEAS LOOP · same community
3 bd · 2 ba · 1,716 sqft · $186/sqft · 71 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5604 GULF STREAM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5604 GULF STREAM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5604 GULF STREAM STREET FAQs
What would the monthly payment be for 5604 GULF STREAM STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,843/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 5604 GULF STREAM STREET?+
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 5604 GULF STREAM STREET?+
The most recent tax bill on record (2025) was $3,604. 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 5604 GULF STREAM STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $294,900, this home is listed about 10% below the Tavares median of $329,450. The market section on this page shows how the area is trending.
Which schools are assigned to 5604 GULF STREAM STREET?+
Tavares Middle School (middle), Tavares High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kikzeny Cartagena. MLS #O6450222.
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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