39654 GROVE HEIGHTS, LADY LAKE, FL, 32159
Active90 days on marketListed Apr 26, 2026MLS #G5111005
About this home
39654 GROVE HEIGHTS
Virtually Staged. Welcome to 39654 Grove Heights Drive, an exceptional “better-than-new” residence nestled within the exclusive Bella Vista enclave of Harbor Hills Golf and Country Club. This meticulously maintained 4-bedroom, 3.5-bath home offers a rare opportunity to enjoy refined luxury, modern design, and an elevated Central Florida lifestyle in one of the area’s most sought-after gated communities. From the moment you arrive, the home impresses with its pristine condition, thoughtful upgrades, and timeless curb appeal. Step inside to discover an open, light-filled floor plan designed for both everyday living and elegant entertaining. High ceilings, upgraded finishes, and a seamless flow between living spaces create an inviting yet sophisticated atmosphere. The gourmet kitchen serves as the heart of the home, featuring premium cabinetry, solid surface countertops, and a spacious island perfect for gathering with family and friends. The expansive owner’s suite provides a private retreat, complete with a spa-inspired bathroom and generous walk-in closets, while the additional bedrooms offer flexibility for guests, home office space, or multi-generational living. What truly sets this property apart is the lifestyle that comes with it. Harbor Hills is more than a neighborhood—it’s a private resort-style experience. Residents enjoy access to championship golf, an elegant clubhouse, and a vibrant social scene. Stay active with tennis, pickleball, and racquetball, or unwind by the pool and fitness facilities. For those drawn to the water, the community’s private marina provides direct access to the breathtaking Harris Chain of Lakes—over 75,000 acres of interconnected waterways ideal for boating, fishing, and waterfront dining. Whether you’re seeking an active lifestyle or a serene retreat, this home delivers the perfect balance of luxury and leisure. 39654 Grove Heights Drive is not just a home—it’s an invitation to live exceptionally.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,761
Sqft
0.49 ac
Lot size
3
Garage
2024
Year built
Two
Levels
$290
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.
$5,581 /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
$5,581/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 HARBOR HILLS
$290 vs $240
Days on market
90 vs 50 typical
Where $290/sqft sits among the 9 homes for sale in HARBOR HILLS
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 → $305K
Lady Lake median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
7 of 9
HARBOR HILLS have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 153% 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 39654 GROVE HEIGHTS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$651,000
5903 SPINNAKER LOOP · same community
4 bd · 2.5 ba · 2,741 sqft · $238/sqft · 8 DOM
Sold · Sep ’25$670,000
5414 MEADOW HILL LOOP · same community
3 bd · 2.5 ba · 2,807 sqft · $239/sqft · 38 DOM
Sold · Apr ’26$385,000
38800 HARBORWOODS PLACE · same community
3 bd · 3 ba · 2,692 sqft · $143/sqft · 160 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 39654 GROVE HEIGHTS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39654 GROVE HEIGHTS — 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
39654 GROVE HEIGHTS FAQs
What would the monthly payment be for 39654 GROVE HEIGHTS?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,581/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 39654 GROVE HEIGHTS?+
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 39654 GROVE HEIGHTS?+
The most recent tax bill on record (2025) was $7,459. 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 39654 GROVE HEIGHTS?+
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 $799,900, this home is listed about 146% above the Lady Lake median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39654 GROVE HEIGHTS?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BLACK TIE REALTY, INC. · Mark Dyer. MLS #G5111005.
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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