112 E GARDENIA STREET, HOWEY IN THE HILLS, FL, 34737
Active56 days on marketListed Jun 14, 2026MLS #G5113528
About this home
112 E GARDENIA STREET
PRICE REDUCTION. Nesteled in the quaint and charming town of Howey-in-the-Hills and just a few steps away from the shore of Little Lake Harris sits this beautiful home. This spacious 4 bed 4 bath home offers 4,312 sq ft of living space including a fully finished basement. Built in 1978, this unique home features a functional split florrplan with a formal living room, formal dining room and dedicated office space on the main level along with the primary bed/bath, a additional bedroom and 2 more full baths. The finished basement provides additional living space with 2 bedrooms, the 4th bathroom and a large greatroom, making it ideal for multi generational living, guests, or a recreation area. Enjoy outdoor living in the fenced back yard complete with aboveground pool.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,312
Sqft
0.6 ac
Lot size
2
Garage
1978
Year built
Multi/Split
Levels
$133
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 — not generic estimates.
$4,361 /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
$4,361/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 Howey In The Hills actives
$133 vs $196
Days on market
56 vs 61 typical
Where $133/sqft sits among the 66 Howey In The Hills 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 Howey In The Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Howey In The Hills. See the full Howey In The Hills guide →
HOWEY IN THE HILLS 34737 — neighborhood snapshot
Population
4,182
Median age
52.6
Median income
$67,237
Median home value
$348,700
Avg household
2.35
Households w/ children
352
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Howey In The Hills market
$426K → $383K
Howey In The Hills median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
35 of 66
Howey In The Hills actives have cut their price
Median sold price, Howey In The Hills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% above the HOWEY IN THE HILLS 34737 median. See the full Howey In The Hills market guide →
Paper trail
This home's history
Reality check
What actually sold near 112 E GARDENIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$250,000
308 S PALM AVENUE · same community
3 bd · 1.5 ba · 1,244 sqft · $201/sqft · 45 DOM
Sold · May ’26$875,000
707 S DIXIE DRIVE
5 bd · 3.5 ba · 4,415 sqft · $198/sqft · 280 DOM
Sold · Jun ’26$572,000
703 CALABRIA WAY
5 bd · 4 ba · 3,276 sqft · $175/sqft · 79 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 112 E GARDENIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 112 E GARDENIA 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
112 E GARDENIA STREET FAQs
What would the monthly payment be for 112 E GARDENIA STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,361/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 112 E GARDENIA STREET?+
The most recent tax bill on record (2025) was $10,590. 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 112 E GARDENIA 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 Howey In The Hills?+
At $575,000, this home is listed about 46% above the Howey In The Hills median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 112 E GARDENIA STREET?+
Tavares Middle School (middle), Tavares 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
$575,000 runs 54% above the HOWEY IN THE HILLS 34737 median — but at 4,312 sqft it's also nearly twice the size of the typical Howey In The Hills listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $585,000, now $575,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HANSON REAL ESTATE GROUP, INC. · Jill Moorman. MLS #G5113528.
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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