1202 FERNANDO LANE, LADY LAKE, FL, 32159
Active93 days on marketListed May 7, 2026MLS #G5112051
About this home
1202 FERNANDO LANE
Welcome to a delightful retreat situated in the vibrant heart of The Villages, an active 55+ community brimming with lifestyle opportunities and diverse activities. Perfectly positioned to blend urban convenience with serene rural charm, this stunning 2-bedroom courtyard villa features a stucco finish, promising both aesthetic allure and lasting durability. Located strategically across from the lively Spanish Springs Town Square, you're just a stone's throw away from the bustling 441 corridor. This prime spot assures effortless access to shopping centers, commercial establishments, medical facilities, and various daily conveniences contributing to a lifestyle marked by ease and accessibility. Enjoy peace of mind with significant upgrades made recently, including a newly replaced roof, water heater, and HVAC system in 2023. The homeowners have revitalized this abode with a top-to-bottom transformation of the bright, modern kitchen. It showcases pristine white cabinets, elegant white marble-style Quartz countertops, updated appliances, and contemporary fixtures. Sleek luxury vinyl planking flows seamlessly throughout the home, lending a cohesive and modern feel. The bathroom is a splash of style, boasting a beautifully tiled shower and a vanity that echoes the kitchen's elegance, ensuring a harmonious and polished living experience. Each bedroom is well appointed with flexibly to be the spaces you need. Come out onto the screened lanai to enjoy the tranquil, low-maintenance courtyard. This outdoor oasis invites creativity and relaxation, offering the perfect setting to unwind, try your hand at putt-putt golf, entertain with a tiki bar setup, or relax in a future hot tub—the choices are limitless. Embrace modern conveniences with smart home features, including a sophisticated smart lock and thermostat, seamlessly integrating tech-savvy efficiency into your daily routine. Experience financial peace of mind with no Bond or Maintenance Assessment, translating to meaningful savings on your annual tax bill, allowing you to invest more in the lifestyle and activities that make The Villages extraordinary. Come by for a peek at this wonderful getaway/home and experience it for yourself :-)
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,040
Sqft
0.11 ac
Lot size
1
Garage
1992
Year built
One
Levels
$288
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.
$2,420 /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
$2,420/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
+22.7%
$/sqft vs THE VILLAGES
$288 vs $251
Days on market
93 vs 54 typical
Where $288/sqft sits among the 229 homes for sale in THE VILLAGES
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 Orange Blossom Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lady Lake. See the full Lady Lake guide →
Orange Blossom Gardens — neighborhood snapshot
Population
6,637
Median age
73
Median income
$46,704
Median home value
$235,284
Avg household
2
Households w/ children
17%
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)
125 of 229
THE VILLAGES have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 1202 FERNANDO LANE
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$278,350
2382 DUE WEST DRIVE · same community
2 bd · 2 ba · 1,142 sqft · $244/sqft · 35 DOM
Sold · Dec ’25$307,500
262 ARBELLA LOOP · same community
2 bd · 2 ba · 1,142 sqft · $269/sqft · 100 DOM
Sold · Dec ’25$220,000
1639 W SCHWARTZ BOULEVARD · same community
2 bd · 2 ba · 1,144 sqft · $192/sqft · 194 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 1202 FERNANDO LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1202 FERNANDO LANE — 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
1202 FERNANDO LANE FAQs
What would the monthly payment be for 1202 FERNANDO LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,420/mo — principal and interest, the actual property-tax bill, the $16/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 1202 FERNANDO LANE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1202 FERNANDO LANE?+
The most recent tax bill on record (2025) was $4,216. 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 1202 FERNANDO LANE?+
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 $299,000, this home is listed about 12% below the Lady Lake median of $339,495. The market section on this page shows how the area is trending.
Which schools are assigned to 1202 FERNANDO LANE?+
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 REALTY EXECUTIVES IN THE VILLAGES · Frances Pierce Pa. MLS #G5112051.
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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