3804 BAYSHORE CIRCLE, TAVARES, FL, 32778
Active140 days on marketListed Mar 15, 2026MLS #G5109614
About this home
3804 BAYSHORE CIRCLE
Waterfront Living on Lake Idamere – Sunsets Included! Welcome to 3804 Bayshore Circle, a beautifully situated waterfront home on the peaceful shores of Lake Idamere in Tavares. Tucked away in an amazingly quiet setting yet close to everything, this highly sought-after location offers the best of both worlds. Enjoy a low HOA of just $35 per month, which includes access to a community boat ramp and dock—perfect for embracing lake life. Set on an oversized lot, this home delivers breathtaking sunset views every evening, with no two ever the same. Built in 2004, the home features 1,908 heated square feet, a desirable split floor plan, 3 bedrooms, 2 bathrooms, and a rare 3-car garage—an exceptional find for the area. Major updates provide peace of mind, including a new roof (January 2024), new HVAC system (November 2025), fresh interior paint throughout (February 2026), and beautiful new luxury vinyl flooring (February 2026), creating a move-in-ready feel while maintaining the home's comfortable charm. Inside, the thoughtfully designed layout immediately welcomes you with soaring ceilings and an abundance of natural light. Upon entry, the den sits to your right—ideal for a home office or flex space—while the formal dining room is positioned to the left, perfect for gatherings and special occasions. Straight ahead, the living room draws your eye to stunning lake views that anchor the heart of the home. Just off the living room, the kitchen and dinette area offer generous counter space, ample cabinetry, a pantry, and—yes—another beautiful view of the water. Enjoy casual meals at the breakfast table or additional seating at the bar, making this space both functional and inviting. The primary suite is privately located off the living room and features tranquil water views through charming bay windows, creating the perfect nook for a sitting area where you can read, relax, and soak in the scenery. Lake County living truly shines here, with nearby waterfront downtowns, festivals, arts and crafts shows, and beloved mom-and-pop restaurants that each offer something unique and delicious. You’re also conveniently close to major highways, hospitals, and shopping. The current owners’ plans have changed and they will no longer be relocating to Florida, creating an opportunity for a new owner to enjoy this beautiful waterfront property. Don’t let this one pass you by... you have been given a second chance! All new furnishings onsite are included with the sale. All information recorded in the MLS is intended to be accurate; however, it should be independently verified by the buyer and their agent. Check out the Virtual Tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,908
Sqft
0.53 ac
Lot size
3
Garage
2004
Year built
One
Levels
$277
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.
$4,059 /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
$4,059/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
+46.8%
$/sqft vs Tavares actives
$277 vs $193
Days on market
140 vs 40 typical
Where $277/sqft sits among the 246 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
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
112 of 246
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3804 BAYSHORE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$500,000
3804 BAYSHORE CIRCLE · same community
3 bd · 2 ba · 1,908 sqft · $262/sqft · 28 DOM
Sold · Dec ’25$310,000
3677 PARK GREEN COURT · same community
3 bd · 2 ba · 1,706 sqft · $182/sqft · 188 DOM
Sold · Jan ’26$339,000
5502 BOUNTY CIR
3 bd · 2 ba · 1,901 sqft · $178/sqft · 319 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 3804 BAYSHORE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3804 BAYSHORE CIRCLE — 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
3804 BAYSHORE CIRCLE FAQs
What would the monthly payment be for 3804 BAYSHORE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,059/mo — principal and interest, the actual property-tax bill, the $35/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 3804 BAYSHORE CIRCLE?+
The association fee works out to $35 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3804 BAYSHORE CIRCLE?+
The most recent tax bill on record (2025) was $6,188. 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 3804 BAYSHORE CIRCLE?+
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 $529,000, this home is listed about 60% above the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3804 BAYSHORE CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$529,000 runs 61% 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
140 days on market against a Tavares median of 40 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $539,000, now $529,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARRISON REAL PROPERTY GROUP · Amanda Harrison. MLS #G5109614.
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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