40233 PALM STREET, LADY LAKE, FL, 32159
Active62 days on marketListed Jun 2, 2026MLS #G5113225
About this home
40233 PALM STREET
MOVE-IN READY!! Located in the family-friendly neighborhood of CARLTON VILLAGE PARK this 2BR/2BA RENOVATED home is within arm's length of THE VILLAGES, Lady Lake, Ocala, shopping, dining, schools, and much more. Situated on a FENCED .24 acre lot this home offers plenty of space to stretch out arms without feeling stacked. Comprised of 1,008+/- sqft under air this home features a split floor plan with vaulted ceilings, LVP flooring, an inside laundry room, and a patio. The kitchen features granite countertops, stainless steel appliances, and soft-close cabinetry. The master bedroom is enhanced with a walk-in closet, an ensuite including a spacious counter, and a walk-in shower. The spare bedroom is spacious with a shared hall/guest bath. With plenty of space for your family, you'll love everything this home offers with a great neighborhood. Move-in Costs are First month's rent ($1,650) and Security Deposit ($1,650). Tenant application approval is required. No Smoking.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0.24 ac
Lot size
1990
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Lady Lake actives
$2 vs $199
Days on market
62 vs 50 typical
Where $2/sqft sits among the 205 Lady Lake 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 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 → $320K
Lady Lake median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
97 of 205
Lady Lake actives have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 40233 PALM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$271,000
4524 LEMON STREET · same community
3 bd · 2 ba · 1,049 sqft · $258/sqft · 25 DOM
Sold · Oct ’25$180,000
40226 PALM STREET · same community
2 bd · 1 ba · 945 sqft · $190/sqft · 148 DOM
Sold · Dec ’25$225,000
4024 ELM STREET · same community
3 bd · 2 ba · 1,242 sqft · $181/sqft · 9 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 40233 PALM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40233 PALM 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
40233 PALM STREET FAQs
What would the monthly payment be for 40233 PALM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 40233 PALM 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 Lady Lake?+
At $1,600, this home is listed about 100% below the Lady Lake median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40233 PALM STREET?+
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 FLAMINGO REAL ESTATE & MNGMT · Roy Vaca. MLS #G5113225.
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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