David Ramirez
$2,189,000$2,350,0005 bd5 ba6,288 sqft$348 /sqft$15,225 /mo all-in ↓

1200 PENINSULA DRIVE, TAVARES, FL, 32778

Active113 days on marketListed Apr 3, 2026MLS #G5110404

Reduced $161KWaterfrontPrivate poolFully furnishedSingle Family ResidenceTAVARES PENINSULA TRACTS A-G REP

About this home

1200 PENINSULA DRIVE

Welcome to an extraordinary lakefront estate in Tavares, gracefully positioned on a private peninsula along the coveted Harris Chain of Lakes. This exclusive enclave of 17 parcels is the most sought after address in Tavares. Encompassing 6,288 square feet, this timeless Cape Cod-style residence, built in 1997, blends classic architectural charm with expansive living spaces and an unparalleled waterfront lifestyle. This .9-acre home site sits at the water’s edge dotted with stately cypress trees. The sunsets are spectacular year-round and no two are alike! Boasting 5 bedrooms, 4 full baths, and 2 half baths, this thoughtfully designed 6,288 square foot home offers both elegance and functionality. The main level features a spacious primary suite, providing privacy and convenience, while rich wood floors and a stunning double-sided gas fireplace create warmth and sophistication throughout the living areas. At the heart of the home, an inviting eat-in kitchen flows seamlessly into the family room, where vaulted ceilings with tongue-and-groove detailing and a cozy fireplace create an ideal gathering space. This open-air kitchen offers a connection to the family room, kitchen dining area, and family room with vast water views of Lake Harris. Upstairs, three additional bedrooms and two full baths provide comfortable accommodations, while a separate oversized bunk room above the garage offers the perfect retreat for small guests. An additional private suite above the garage—complete with its own living room, bedroom, and full bath—adds flexibility for multi-generational living or extended stays. Designed for effortless indoor-outdoor living, the expansive covered brick lanai is a true showpiece. Complete with a gas firepit, built-in grill station, and dedicated dining area, this space is perfect for entertaining while enjoying serene lake views and unforgettable sunsets. This covered lanai creates an abundant space for luxury dining and entertaining by the water. Step outside to a resort-style setting designed for both relaxation and entertaining. A free-form in-ground pool creates a private oasis, perfectly complemented by the expansive covered brick lanai. Surrounded by lush landscaping and serene water views, this outdoor space captures the essence of Florida luxury living—ideal for hosting or unwinding poolside as the sun sets over the lake. A lighted paver path leads to the covered boathouse featuring 2 boat slips with automated covers and electric lifts. This is a premium, ShoreStation dock and boat lift system which enhances the waterfront experience, offering durability, convenience, and immediate access to the Chain. With direct entry to the Harris Chain of Lakes, enjoy world-class boating, fishing, and waterfront dining right from your backyard. Live like you are on vacation with the 15,088-acre Lake Harris as your backyard or explore the 75,000+ acres of the Harris Chain of Lakes, offering old Florida scenery, waterfront dining options, and quaint, walkable downtowns. In approximately 10 minutes by boat, you can arrive at downtown Tavares, "America's Seaplane City," or the charming historic streets of Mount Dora, celebrated for its exceptional dining, boutique shopping, and year-round festivals. A rare offering where refined design meets relaxed waterfront living—this is lakefront luxury at its finest! Home to be sold completely furnished (inquire for more details) See you at sunset!

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

6,288

Sqft

0.91 ac

Lot size

3

Garage

1997

Year built

Two

Levels

$348

Per sqft

Private poolWaterfrontFireplaceWater viewFurnishedPets allowed

Inside

FlooringBrick/Stone · Carpet · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Filtration System
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Wood Siding
FoundationSlab
ViewWater
FacesEast
ParkingGarage Door Opener · Garage Faces Side
ExteriorIrrigation System · Outdoor Grill · Outdoor Kitchen · Sliding Doors · Storage

Community & fees

HOA fee$100/mo
Taxes (2025)$27,986/yr
PetsYes
CommunityGolf Carts OK

Utilities & systems

UtilitiesCable Connected · Electricity 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.

$15,225 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,812
PMI (est., until 20% equity)$821
Property tax — 2025 actual bill$2,332
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $218,900Loan30-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% · $218,900
Interest rate6.00%
Loan term

Estimated payment

$15,225/mo

Principal & interest$11,812
PMI (est., until 20% equity)$821
Property taxes (actual bill)$2,332
HOA / condo fee$100
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.

$/sqft vs Tavares actives

$348 vs $193

Days on market

113 vs 40 typical

Where $348/sqft sits among the 247 Tavares actives

50
83
47
36
10
21 · this home
$122–160$160–197$197–235$235–273$273–310$310+

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

Map of 1200 PENINSULA DRIVE

Drive times from this address

Downtown Orlando56 min
Universal Orlando59 min
Walt Disney World67 min
Orlando Int’l Airport (MCO)71 min

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

HighTavares High School★★★★★
ElementaryTavares Elementary School★★★★★
MiddleTavares Middle School★★★★★

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

The numbers that matter

The Tavares market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$324K$345K

Tavares median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

120 of 247

Tavares actives have cut their price

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

This home is listed 565% above the TAVARES 32778 median. See the full Tavares market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,189,000 $161K
Apr 3, 2026Listed at $2,350,000 · 113 days on market since
1997Built · TAVARES PENINSULA TRACTS A-G REP

Reality check

What actually sold near 1200 PENINSULA DRIVE

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

1420 PENINSULA DRIVESold · Nov ’25

$2,100,000

1420 PENINSULA DRIVE · same community

4 bd · 4.5 ba · 5,279 sqft · $398/sqft · 9 DOM

1640 PENINSULA DRIVESold · Feb ’26

$1,650,000

1640 PENINSULA DRIVE · same community

3 bd · 3 ba · 3,894 sqft · $424/sqft · 23 DOM

11148 LANE PARK ROADSold · Jun ’26

$2,350,000

11148 LANE PARK ROAD

4 bd · 5 ba · 6,028 sqft · $390/sqft · 471 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 1200 PENINSULA 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 1200 PENINSULA 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

1200 PENINSULA DRIVE FAQs

What would the monthly payment be for 1200 PENINSULA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,225/mo — principal and interest, the actual property-tax bill, the $100/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 1200 PENINSULA DRIVE?+

The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1200 PENINSULA DRIVE?+

The most recent tax bill on record (2025) was $27,986. 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 1200 PENINSULA 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 $2,189,000, this home is listed about 563% above the Tavares median of $329,999. The market section on this page shows how the area is trending.

Which schools are assigned to 1200 PENINSULA 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.

The brief

Four things that matter here

01Positioned at the premium end

$2,189,000 runs 565% above the TAVARES 32778 median — but at 6,288 sqft it's also nearly 4 times the size of the typical Tavares listing.

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

113 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 $2,350,000, now $2,189,000 — a $161K cut. The full history is in the market section below.

Listing courtesy of PARRISH REALTY GROUP INC · Lisa Sconyers. MLS #G5110404.

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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