David Ramirez
$949,900$1,100,0003 bd2.5 ba3,104 sqft$306 /sqft$6,463 /mo all-in ↓

35629 SENECA RESERVE DRIVE, EUSTIS, FL, 32736

Active127 days on marketListed Mar 16, 2026MLS #G5109600

Reduced $150KPrivate poolSingle Family ResidenceRESERVE AT LAKE SENECA

About this home

35629 SENECA RESERVE DRIVE

"One or more photos have been virtually staged" SELLER MOTIVATED...BRING ALL REASONABLE OFFERS!! Custom Estate Living on Over 3 Acres – Luxury, Privacy, and Convenience! Welcome to a truly exceptional custom-built estate offering over 3,100 square feet of beautifully crafted living space on 3.14+ acres on a peaceful tree-filled property. Tucked away in a gated community of high-end homes, this one-of-a-kind residence blends elegant craftsmanship, privacy, and convenience in an unbeatable location close to the 429 for easy commuting. From the moment you arrive, the graceful circular driveway and stately presence of the home create a warm and inviting first impression. Situated on a spacious, beautifully wooded lot, the property offers a serene setting with room to breathe while still being just minutes from everyday conveniences. Step inside and you’ll immediately appreciate the custom woodwork of the coffered tray ceilings and fine craftsmanship throughout the home. Thoughtfully designed living spaces bring both comfort and style, making this home perfect for entertaining as well as everyday living. The gourmet kitchen is every chef's dream with abundant cabinet and counter space, oversized center island, large walk in pantry as well as eat- in dining. The formal dining room should you not need it for that use makes a wonderful game room or home office. The expansive layout includes three generously sized bedrooms and two and a half baths. The primary suite in this home is one you will absolutely fall in love with that includes a large sitting area great for reading a book and sipping your morning coffee. The heart of the home flows effortlessly to the outdoor living space where a sparkling salt water heated pool awaits with an outdoor bar area as well as an outdoor shower surrounded by the tranquility of your private backyard oasis. Mature trees and natural landscaping create a peaceful, park-like setting that feels worlds away from the hustle and bustle. For those who appreciate storage and space for vehicles or hobbies, this home features an oversized three-car garage with an AC mini split, providing plenty of room for cars, golf carts, and recreational equipment. On top of all of the storage in the garage that you have you also have a detached workshop/storage. Residents of this community also enjoy lake access, perfect for fishing by the water or watching the sunsets while you take in the natural beauty of the surroundings. The HOA includes cable and internet, adding additional convenience and value. With its sprawling acreage, luxurious custom details, pool for relaxing and prime location, this remarkable property offers the perfect blend of privacy, elegance, and accessibility. Opportunities like this are rare—schedule your private showing today and experience the lifestyle this extraordinary home has to offer!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

3,104

Sqft

3.13 ac

Lot size

3

Garage

2008

Year built

One

Levels

$306

Per sqft

Private poolFireplaceTrees/Woods viewPets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryOther
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco
FoundationSlab
ViewTrees/Woods
FacesEast
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorIrrigation System

Community & fees

HOA fee$306/mo
Taxes (2025)$6,179/yr
PetsYes
CommunityFishing · Community Mailbox · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Horses Allowed

Utilities & systems

UtilitiesElectricity Connected
WaterWell

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.

$6,463 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$515
HOA fee — from the listing$306
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $94,990
Interest rate6.00%
Loan term

Estimated payment

$6,463/mo

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property taxes (actual bill)$515
HOA / condo fee$306
Est. insurance$160

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.

List $950K
$910KedgeAI estimate $964,267 · range $948K$1.0M$1.0M

vs edgeAI estimate

−1.5%

$/sqft vs Eustis actives

$306 vs $205

Days on market

127 vs 36 typical

Where $306/sqft sits among the 201 Eustis actives

90
55
25 · this home
12
4
15
$143–200$200–256$256–313$313–370$370–427$427+

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 Eustis

Map of 35629 SENECA RESERVE DRIVE

Get to know Eustis. See the full Eustis guide →

EUSTIS 32736 — neighborhood snapshot

Population

11,582

Median age

49.5

Median income

$83,727

Median home value

$352,100

Avg household

2.76

Households w/ children

929

For the school run

Lake County School District

MiddleEustis Middle School★★★★
HighEustis High School★★★★★
ElementaryEustis Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Eustis market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$336K$355K

Eustis median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

98 of 201

Eustis actives have cut their price

Median sold price, Eustis, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 103% above the EUSTIS 32736 median. See the full Eustis market guide →

Paper trail

This home's history

CurrentPrice reduced to $949,900 $150K
Mar 16, 2026Listed at $1,100,000 · 127 days on market since
2008Built · RESERVE AT LAKE SENECA

Reality check

What actually sold near 35629 SENECA RESERVE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

34595 SENECA RESERVE DRIVESold · Jul ’26

$1,700,000

34595 SENECA RESERVE DRIVE · same community

4 bd · 5 ba · 4,210 sqft · $404/sqft · 60 DOM

35620 PINEGATE TRAILSold · Jun ’26

$1,300,000

35620 PINEGATE TRAIL

3 bd · 2.5 ba · 2,796 sqft · $465/sqft · 6 DOM

23247 LAKE SENECA ROADSold · Jan ’26

$1,185,000

23247 LAKE SENECA ROAD

4 bd · 2 ba · 2,769 sqft · $428/sqft · 100 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 35629 SENECA RESERVE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 35629 SENECA RESERVE 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.

Goes straight to David’s phone and CRM.

Straight answers

35629 SENECA RESERVE DRIVE FAQs

What would the monthly payment be for 35629 SENECA RESERVE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,463/mo — principal and interest, the actual property-tax bill, the $306/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 35629 SENECA RESERVE DRIVE?+

The association fee works out to $306 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 35629 SENECA RESERVE DRIVE?+

The most recent tax bill on record (2025) was $6,179. 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 35629 SENECA RESERVE 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 Eustis?+

At $949,900, this home is listed about 148% above the Eustis median of $382,500. The market section on this page shows how the area is trending.

Which schools are assigned to 35629 SENECA RESERVE DRIVE?+

Eustis Middle School (middle), Eustis High School (high), Eustis Elementary School (elementary) — 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

$949,900 runs 103% above the EUSTIS 32736 median — but at 3,104 sqft it's also 62% larger than the typical Eustis 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

127 days on market against a Eustis median of 36 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,100,000, now $949,900 — a $150K cut. The full history is in the market section below.

Listing courtesy of MORRIS REALTY AND INVESTMENTS · Lauren Fickett. MLS #G5109600.

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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