5049 HARBOR HEIGHTS, LADY LAKE, FL, 32159
Active557 days on marketListed Jan 26, 2025MLS #G5091977
About this home
5049 HARBOR HEIGHTS
Build your dream home on this large corner lot in the Beautiful Gated Community of Harbor Hills. BRING YOUR OWN BUILDER! Gated Country Club community with the option of Club House, Golf Membership, fitness center and spa, junior Olympic size swimming pool, tennis and pickle ball courts and restaurants for an additional fee. Community is located on the shores of one of the most sought after freshwater lake with access to the Harris Chain of Lakes and the St Johns River. Community features its private Marina, dock and boat ramp. Join the boat club with its many activities including fishing tournaments, lighted boat parade and much more. Community is located just a short drive away to The Villages with its many restaurants, shopping, movies theaters, nightly entertainment and much more. Numerous doctors as well as a VA outpatient clinic and the Villages Regional Hospital all within just a short drive. With all this community and the surrounding areas provide this is truly the place to call home and start living the true Florida Lifestyle. Call to make an appointment today and see this beautiful community for yourself... you will not be disappointed!All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent.
Facts & features
The home at a glance
0.44 ac
Lot size
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.
$772 /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
$772/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.
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
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lady Lake market
$306K → $320K
Lady Lake median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% 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 5049 HARBOR HEIGHTS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$325,000
5009 HARBOR HEIGHTS · same community
3 bd · 2 ba · 2,018 sqft · $161/sqft · 23 DOM
Sold · Feb ’26$280,000
4214 JOSLYN LANE
2 bd · 2 ba · 1,296 sqft · $216/sqft · 119 DOM
Sold · May ’26$315,000
38845 ELLA DRIVE
3 bd · 2.5 ba · 1,641 sqft · $192/sqft · 3 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5049 HARBOR HEIGHTS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5049 HARBOR HEIGHTS — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5049 HARBOR HEIGHTS FAQs
What would the monthly payment be for 5049 HARBOR HEIGHTS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $772/mo — principal and interest, the actual property-tax bill, the $183/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 5049 HARBOR HEIGHTS?+
The association fee works out to $183 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5049 HARBOR HEIGHTS?+
The most recent tax bill on record (2024) was $591. 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 5049 HARBOR HEIGHTS?+
The listing reports pets: Breed Restrictions. 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 $60,000, this home is listed about 82% below the Lady Lake median of $331,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5049 HARBOR HEIGHTS?+
The Villages Elementary Of Lady Lake School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LADY LAKE 32159 market on paper
$60,000 is 81% below the LADY LAKE 32159 median of $317,950.
02Time on market is leverage
557 days on market against a Lady Lake median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $75,000, now $60,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARRISON REAL PROPERTY GROUP · Ella St. Pierre. MLS #G5091977.
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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