5685 GULF STREAM STREET, TAVARES, FL, 32778
Active186 days on marketListed Feb 1, 2026MLS #G5107595
About this home
5685 GULF STREAM STREET
Price Reduction! Owner is motivated! Welcome to your Florida dream home in Royal Harbor, a sought-after 55+ waterfront community along the scenic shores of Little Lake Harris. This one-owner home has been meticulously cared for, and it shows! Enjoy an active lifestyle with pickleball, tennis, bocce ball, a sparkling pool, relaxing sauna, and a vibrant clubhouse offering events and card games for residents. This beautiful three-bedroom, two-bath home features an open floor plan with vaulted ceilings, adorable breakfast nook, formal dining room, convenient inside laundry, spa tub, and numerous extras throughout. From your enclosed back porch, relax and take in views of the community lighthouse and park-like setting, the perfect spot to enjoy Florida's sunshine year-round. From your screened front porch, unwind and enjoy your morning coffee. Step inside to find a home that has truly been loved and maintained with care. New Roof 2018, New AC 2024. This one won’t last long—schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,823
Sqft
0.18 ac
Lot size
2
Garage
2001
Year built
One
Levels
$181
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.
$2,618 /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
$2,618/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
−2.6%
$/sqft vs Tavares actives
$181 vs $193
Days on market
186 vs 47 typical
Where $181/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 → $313K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
113 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 2% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 5685 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 · Mar ’26$340,000
5676 GULF STREAM STREET · same community
4 bd · 3 ba · 1,915 sqft · $178/sqft · 75 DOM
Sold · May ’26$351,000
6071 SAILBOAT AVENUE · same community
3 bd · 2 ba · 1,690 sqft · $208/sqft · 8 DOM
Sold · Jun ’26$235,000
6002 SAILBOAT AVENUE · same community
3 bd · 2 ba · 1,615 sqft · $146/sqft · 73 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 5685 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 5685 GULF STREAM STREET — 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
5685 GULF STREAM STREET FAQs
What would the monthly payment be for 5685 GULF STREAM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,618/mo — principal and interest, the actual property-tax bill, the $232/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 5685 GULF STREAM STREET?+
The association fee works out to $232 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5685 GULF STREAM STREET?+
The most recent tax bill on record (2025) was $1,654. 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 5685 GULF STREAM STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $329,999, this home is listed about 3% below the Tavares median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5685 GULF STREAM STREET?+
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
01Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
186 days on market against a Tavares median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $349,000, now $329,999 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Darlene Fritzke. MLS #G5107595.
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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