David Ramirez
$849,900$870,0003 bd2.5 ba2,278 sqft$373 /sqft$5,384 /mo all-in ↓

1102 N PALMETTO STREET, LEESBURG, FL, 34748

Active72 days on marketListed Jun 2, 2026MLS #G5113105

Reduced $20KWaterfrontPrivate poolSingle Family ResidenceACREAGE & UNREC

About this home

1102 N PALMETTO STREET

Step into a private garden oasis as a trellis walkway, wrapped in wisteria and lush Florida-friendly foliage, welcomes you home. Originally a fish camp on Lake Griffin, this mid-century home with Coquina shell stucco has been transformed into a stunning single-family lake retreat, seamlessly blending character with modern comfort. As you enter, the spacious great room immediately captures your attention with its high ceiling, wood-burning fireplace, and large picture windows that frame breathtaking views of the lake. The open layout seamlessly incorporates a dining area, where Edison-style lighting casts a warm glow beneath a modern eight-blade ceiling fan, creating an inviting space for both relaxation and entertaining. The thoughtfully designed kitchen is sure to meet your expectations with custom cabinetry to maximize storage & efficiency. Premium appliances include built-in dual convection ovens, an induction cooktop, and sleek stainless-steel appliances, all complemented by exquisite soapstone countertops. A uniquely designed pantry offers additional storage and convenience, making meal preparation an absolute pleasure. The primary suite is a true retreat, featuring two spacious walk-in closets and direct access to the inside laundry room, complete with a washer, gas dryer, and built-in cabinets. The en-suite bath is a haven of relaxation, boasting a double vanity, a luxurious jetted tub with an inline heater, and a large walk-in shower outfitted with state-of-the-art fixtures. Two additional bedrooms provide ample space for family or guests and share a newly remodeled bathroom designed with style and comfort in mind. Modern upgrades throughout the home ensure effortless living. The Mitsubishi Ductless Air Conditioning System offers precise climate control, while updated windows come with a lifetime warranty. A whole-house water softener system and a tankless gas water heater enhance efficiency. The property also includes a transferable termite bond for added peace of mind. Outdoor living is just as exceptional as the interior. A spacious screened enclosure houses a solar-heated saltwater pool (2018) with a gas-heated spa, providing the perfect setting for relaxation. The private boathouse and dock feature a covered boat lift and ample storage for gear, all set against a stunning stone seawall that protects your shoreline. An irrigation system sourced from the lake ensures that the lush landscaping remains vibrant year-round. Recent improvements to the home include a new roof in 2018, a water heater in 2017, and a newly installed driveway and storage shed in 2024. A whole-house generator, also added in 2024, offers additional security and convenience. Spanning over 9,327 acres, Lake Griffin is a paradise for nature lovers and anglers alike, offering some of Florida’s best largemouth bass fishing. As the final link in the Harris Chain of Lakes, it provides easy access to the Ocklawaha River and beyond. Whether you prefer boating, kayaking, or simply soaking in the untouched natural beauty, this lakefront location delivers an unparalleled lifestyle. Nestled near Leesburg, this home provides close proximity to the University of Florida Medical Center, the charming historic downtown area, and effortless access to Orlando’s world-renowned attractions, beaches, and international airport. This is more than just a home—it’s a gateway to the ultimate lakefront lifestyle. Schedule your private tour today and experience its beauty firsthand.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,278

Sqft

0.64 ac

Lot size

2

Garage

1952

Year built

One

Levels

$373

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringTile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Refrigerator · Tankless Water Heater · Touchless Faucet · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Inside · Laundry Room
CoolingWall/Window Unit(s)
HeatingNatural Gas · Wall Units / Window Unit

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorFrench Doors · Irrigation System · Outdoor Shower · Private Mailbox · Storage

Community & fees

Taxes (2024)$3,834/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,384 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property tax — 2024 actual bill$320
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,990Loan30-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% · $84,990
Interest rate6.00%
Loan term

Estimated payment

$5,384/mo

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property taxes (actual bill)$320
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.

List $850K
$705KedgeAI estimate $1,159,506 · range $734K$2.1M$2.2M

vs edgeAI estimate

−26.7%

$/sqft vs ACREAGE & UNREC

$373 vs $388

Days on market

72 vs 62 typical

Where $373/sqft sits among the 113 homes for sale in ACREAGE & UNREC

56 · this home
29
15
2
1
10
$154–387$387–620$620–854$854–1087$1087–1320$1320+

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 Leesburg

Map of 1102 N PALMETTO STREET

Drive times from this address

Downtown Orlando54 min
Universal Orlando57 min
Walt Disney World65 min
Orlando Int’l Airport (MCO)69 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Leesburg. See the full Leesburg guide →

LEESBURG 34748 — neighborhood snapshot

Population

45,960

Median age

60.4

Median income

$53,768

Median home value

$226,200

Avg household

2.14

Households w/ children

3,516

For the school run

Lake County School District

MiddleOak Park Middle School★★★★
ElementaryLeesburg Elementary School★★★★★
HighLeesburg High School★★★★

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

The numbers that matter

The Leesburg market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$269K$290K

Leesburg median sold, yr/yr

96.1%

Sale-to-list ratio (12 mo)

39 of 113

ACREAGE & UNREC have cut their price

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

This home is listed 204% above the LEESBURG 34748 median. See the full Leesburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $849,900 $20K
Jun 2, 2026Listed at $870,000 · 72 days on market since
1952Built · ACREAGE & UNREC

Reality check

What actually sold near 1102 N PALMETTO STREET

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

4424 MORRIS DRIVESold · Dec ’25

$463,000

4424 MORRIS DRIVE · same community

3 bd · 2 ba · 2,295 sqft · $202/sqft · 183 DOM

2391 LIPPINCOTT ROADSold · Dec ’25

$742,500

2391 LIPPINCOTT ROAD · same community

3 bd · 2 ba · 2,303 sqft · $322/sqft · 46 DOM

560 EDEN DRIVESold · Jan ’26

$500,000

560 EDEN DRIVE · same community

3 bd · 2 ba · 2,360 sqft · $212/sqft · 350 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 1102 N PALMETTO STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1102 N PALMETTO 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

1102 N PALMETTO STREET FAQs

What would the monthly payment be for 1102 N PALMETTO STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,384/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1102 N PALMETTO STREET?+

The most recent tax bill on record (2024) was $3,834. 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 1102 N PALMETTO STREET?+

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 Leesburg?+

At $849,900, this home is listed about 184% above the Leesburg median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1102 N PALMETTO STREET?+

Oak Park Middle School (middle), Leesburg Elementary School (elementary), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$849,900 runs 204% above the LEESBURG 34748 median — but at 2,278 sqft it's also 38% larger than the typical Leesburg listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $870,000, now $849,900 — a $20K cut. The full history is in the market section below.

Listing courtesy of LAKEFRONT LIVING REALTY FLORIDA · Guy Shipley. MLS #G5113105.

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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