5245 CHINA SEA DRIVE, TAVARES, FL, 32778
Active153 days on marketListed Mar 10, 2026MLS #G5109305
About this home
5245 CHINA SEA DRIVE
Beautiful custom Huntly model offering timeless charm and comfortable living in the sought-after 55+ lakefront community of Royal Harbor on the Harris Chain of Lakes. From the moment you enter, you’ll appreciate the warm Hickory Hardwood Floors, plantation shutters, and bright open living spaces that make this home feel welcoming and comfortable. Hickory Hardwood Floors extend through the Foyer, Great Room, Dining Room, Breakfast Nook, and Hallway to the Guest Bedrooms. Plantation Shutters throughout add classic Southern charm, while volume ceilings enhance the bright, open feel of the home. The Great Room showcases elegant wainscoting, decorative columns, and a custom cornice above triple sliding glass doors that open to the enclosed Lanai, creating a wonderful indoor-outdoor living space. The Kitchen overlooks the Great Room and Breakfast Nook and offers a breakfast bar, walk-in pantry, transom and herb windows, and ample counter space for cooking and entertaining. The spacious Primary Suite features private access to the enclosed Lanai, walk-in closets, and an En-Suite Bath with dual sinks, a soaking tub, separate shower, and a large linen closet. Guest Bedrooms are thoughtfully split from the Primary Suite for privacy. Bedroom 3 features a Murphy Bed with matching desk and custom closet system, making it ideal as a guest room, home office, or hobby space. Enjoy relaxing in two inviting outdoor spaces — a charming front screened porch and a 13×18 enclosed Lanai with acrylic windows and screens, creating a comfortable Florida Room for year-round enjoyment. Recent improvements and features include a NEW ROOF (January 2024), a spacious 2-car plus golf cart garage with excellent storage, screened garage door, separate irrigation meter, a Culligan water treatment system, and solar tubes that bring additional natural light into the home. Royal Harbor is a beautifully landscaped, vibrant lakefront community featuring a spacious clubhouse, social hall, heated Jr. Olympic pool and spa, fitness center, pickleball, tennis, bocce, walking trails, community dock, and a full calendar of clubs and activities. RV, boat, and trailer storage are included in the HOA. Whether you’re looking for a full-time residence or a seasonal Florida retreat, this home offers comfort, charm, and the wonderful Royal Harbor lifestyle. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,862
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
One
Levels
$175
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.
$2,728 /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
$2,728/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
−3.2%
$/sqft vs Tavares actives
$175 vs $193
Days on market
153 vs 50 typical
Where $175/sqft sits among the 241 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 → $310K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
117 of 241
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 5245 CHINA SEA DRIVE
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$371,500
5366 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,844 sqft · $201/sqft · 15 DOM
Sold · Jun ’26$355,000
3251 KINGSTON WAY · same community
3 bd · 2 ba · 1,824 sqft · $195/sqft · 1 DOM
Sold · Jan ’26$325,000
5305 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,824 sqft · $178/sqft · 272 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 5245 CHINA SEA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5245 CHINA SEA DRIVE — 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
5245 CHINA SEA DRIVE FAQs
What would the monthly payment be for 5245 CHINA SEA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,728/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 5245 CHINA SEA DRIVE?+
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 5245 CHINA SEA DRIVE?+
The most recent tax bill on record (2025) was $3,316. 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 5245 CHINA SEA DRIVE?+
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 $326,000, this home is listed about 3% below the Tavares median of $337,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5245 CHINA SEA DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Catherine Landry-Sonstegard. MLS #G5109305.
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.
Never miss a listing
New Tavares homes, in your inbox
Like 5245 CHINA SEA DRIVE but not quite? A daily digest of every new listing in Tavares — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →