39407 TREELINE DRIVE, LADY LAKE, FL, 32159
Active153 days on marketListed Mar 11, 2026MLS #G5109392
About this home
39407 TREELINE DRIVE
Welcome to Harbor Hills — an exclusively gated golf, tennis, and boating community nestled on the shores of Lake Griffin, offering some of the finest views in all of Central Florida. This concrete block and stucco home features 4 bedrooms, a large office/den, and 3.5 full baths, all set on an elevated lot with a side-entry 3-car garage. Home offers double entry doors into a bright, open layout with 10' ceilings and tile flooring throughout. The great room, dining room, kitchen, and primary bedroom all enjoy beautiful views and direct access to the screened lanai and private pool/spa, surrounded by trees and landscaping. The living room centers around a propane gas fireplace, and the spacious primary suite includes a walk-in closet with direct bath access and a generous ensuite. Secondary bedrooms are large with designer closet makeovers, and the baths are equally well designed. Topped with a brand new roof and offered with no bonds to pay, this home checks every box in one of Central Florida's most sought-after multi-generational communities.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,502
Sqft
0.6 ac
Lot size
3
Garage
2000
Year built
One
Levels
$238
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.
$4,174 /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
$4,174/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.
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.
$/sqft vs Lady Lake actives
$238 vs $200
Days on market
153 vs 54 typical
Where $238/sqft sits among the 198 Lady Lake 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 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)
96 of 198
Lady Lake actives have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% above the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 39407 TREELINE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$822,315
4061 PINNACLE PLACE
3 bd · 2.5 ba · 2,506 sqft · $328/sqft · 0 DOM
Sold · Dec ’25$500,000
6106 SPINNAKER LOOP
3 bd · 2 ba · 2,497 sqft · $200/sqft · 215 DOM
Sold · Oct ’25$625,000
5418 SANDY HILL LANE
4 bd · 2.5 ba · 2,524 sqft · $248/sqft · 48 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 39407 TREELINE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39407 TREELINE 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
39407 TREELINE DRIVE FAQs
What would the monthly payment be for 39407 TREELINE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,174/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 39407 TREELINE DRIVE?+
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 39407 TREELINE DRIVE?+
The most recent tax bill on record (2025) was $4,772. 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 39407 TREELINE 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 Lady Lake?+
At $595,000, this home is listed about 75% above the Lady Lake median of $339,990. The market section on this page shows how the area is trending.
Which schools are assigned to 39407 TREELINE DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$595,000 runs 87% above the LADY LAKE 32159 median — but at 2,502 sqft it's also 44% larger than the typical Lady Lake listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
153 days on market against a Lady Lake median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $650,000, now $595,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AKIN REALTY COMPANY · Fran Dann-Akin. MLS #G5109392.
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 Lady Lake homes, in your inbox
Like 39407 TREELINE DRIVE but not quite? A daily digest of every new listing in Lady Lake — 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 →