31035 COVE ROAD, TAVARES, FL, 32778
Active174 days on marketListed Feb 9, 2026MLS #G5107953
About this home
31035 COVE ROAD
Land for Sale on Lake Harris — the largest lake in the Chain of Lakes at 13,788 acres. This exceptional waterfront property is a premier destination for boating, watersports, and competitive bass fishing, including national fishing tournaments. Lake Harris is renowned for its largemouth bass, crappie, and bluegill, and offers endless recreation including skiing, tubing, and cruising, with multiple restaurants accessible by boat. The property consists of approximately 2.79 acres with an impressive 230 feet of direct waterfront, complete with a private dock and boat lift. Enjoy breathtaking sunsets in a quiet, peaceful setting surrounded by a bird sanctuary, providing privacy and natural beauty. An older home is currently on the property and can serve as a temporary dwelling while you build the home of your dreams. After construction, the existing structure may be removed to create the ideal space for a future swimming pool or outdoor living area. A rare opportunity to own prime lakefront land for sale in one of Central Florida’s most desirable boating and fishing destinations.
Facts & features
The home at a glance
2.79 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 — not generic estimates.
$6,108 /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
$6,108/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.
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
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 31035 COVE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$70,000
1210 SE 174TH AVENUE · same community
2 bd · 2 ba · 912 sqft · $77/sqft · 497 DOM
Sold · Nov ’25$130,000
1029 NE 24TH STREET · same community
3 bd · 1 ba · 1,014 sqft · $128/sqft · 109 DOM
Sold · Sep ’25$260,000
4645 NE 159TH PLACE · same community
2 bd · 1 ba · 1,022 sqft · $254/sqft · 7 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 31035 COVE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31035 COVE ROAD — 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
31035 COVE ROAD FAQs
What would the monthly payment be for 31035 COVE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,108/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 31035 COVE ROAD?+
The most recent tax bill on record (2025) was $3,576. 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 31035 COVE ROAD?+
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 Tavares?+
At $979,000, this home is listed about 197% above the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 31035 COVE ROAD?+
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
01Positioned at the premium end
$979,000 runs 200% above the TAVARES 32778 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
174 days on market against a Tavares median of 40 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 ALTON CLARK · Betty Salas. MLS #G5107953.
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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