31643 HOWARD STREET, TAVARES, FL, 32778
Active81 days on marketListed May 20, 2026MLS #G5112594
About this home
31643 HOWARD STREET
Fully furnished and uniquely designed, this spacious 3 bed/2 bath home perfectly combines comfort and functionality. Step inside to find an expansive living area featuring a sunken bonus space to extend your living options. The kitchen boasts Whirlpool stainless steel appliances, a custom built-in pantry, and an adaptable island that can be repositioned to customize your workflow. The primary bedroom showcases a walk-in closet and an ensuite equipped with a convenient indoor laundry space, while two additional bedrooms provide the perfect setup for a guest room, home office, or hobby area. Through the sliding doors is a versatile converted bonus/Additional Bedroom/Florida room, uniquely equipped with a walk-in closet and removable panels that expose the window-lined walls for a true Florida Room. Both this bonus room and the adjacent storage shed/workshop-featuring ample space for golf cart parking and dual interior/exterior access-were masterfully built over a filled-in pool. Outside, enjoy a double driveway with a single carport and a partially fenced backyard for added privacy. HOA/COMMUNITY: Imperial Terrace West is a highly desirable 55+ retirement community offering AMENITIES galore! Community amenities include a clubhouse, boat slips, Harris Chain of Lakes access, shuffleboard courts, an indoor pool and hot tub, and so much more! Featuring a low HOA fee and NO LOT RENT - you OWN the land! Imperial Terrace is located off Hwy 441, just minutes from shopping, dining, entertainment, state-of-the-art medical facilities, PLUS, renowned local destinations - Mount Dora and The Villages! Easily commute to the beach coasts, Orlando attractions, airports and everywhere exciting that makes Floridians love living ‘central’ in the Sunshine State, year ‘round or seasonal. Call to schedule your personal tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,898
Sqft
0.14 ac
Lot size
1968
Year built
One
Levels
$79
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.
$1,229 /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
$1,229/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.
$/sqft vs Tavares actives
$79 vs $193
Days on market
81 vs 50 typical
Where $79/sqft sits among the 240 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
$318K → $310K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
118 of 240
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 31643 HOWARD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$150,000
31715 CLAYTON STREET · same community
3 bd · 2 ba · 1,152 sqft · $130/sqft · 510 DOM
Sold · Oct ’25$90,000
11929 LINDA AVENUE · same community
2 bd · 1.5 ba · 1,113 sqft · $81/sqft · 12 DOM
Sold · Oct ’25$123,500
11905 LINDA AVENUE · same community
2 bd · 2 ba · 916 sqft · $135/sqft · 16 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 31643 HOWARD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31643 HOWARD STREET — 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
31643 HOWARD STREET FAQs
What would the monthly payment be for 31643 HOWARD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,229/mo — principal and interest, the actual property-tax bill, the $25/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 31643 HOWARD STREET?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 31643 HOWARD STREET?+
The most recent tax bill on record (2025) was $1,148. 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 31643 HOWARD STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $149,900, this home is listed about 56% below the Tavares median of $337,000. The market section on this page shows how the area is trending.
Which schools are assigned to 31643 HOWARD STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Missy Conway. MLS #G5112594.
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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