
6200 TOPSAIL ROAD, LADY LAKE, FL, 32159
Active48 days on marketListed Jun 15, 2026MLS #G5113859
About this home
6200 TOPSAIL ROAD
Virtually Staged. 2 PRIMARY SUITES! 1,500 SF villa with NO CARPET, remodeled baths, split floor plan in a gated golf community near The Villages! Affordable Florida living with incredible amenities and exceptional value! Welcome to the gated golf community of Harbor Hills. One of the most unique neighborhoods you'll find in Lady Lake, where beautiful tree-lined streets lead you home. Offering an incredible opportunity to enjoy a country club lifestyle at an affordable price, this villa delivers outstanding value without sacrificing space, comfort, or amenities. From the moment you arrive, you'll appreciate the charm, convenieve, and lifestyle this community has to offer. Step inside this 2-bedroom, 2-bath villa featuring a desirable open floor plan with vaulted ceilings. The spacious living room overlooks the dining area and galley kitchen while offering a built-in entertainment center and sliding glass doors leading to the rear lanai, creating the perfect space for relaxing or entertaining. The galley kitchen offers plenty of cabinet storage, a large closet pantry, and overlooks both the dining and living areas so you're always part of the conversation. One of the most exceptional features of this home is that both bedrooms are true primary suites—no more arguing over who gets the "better" bedroom! Even better, each suite has its own dedicated air conditioning unit, allowing everyone to set their own perfect sleeping temperature. Primary Suite #1 features laminate wood flooring, a spacious walk-in closet, bay windows, and a sliding barn door leading into the remodeled ensuite bath complete with a double vanity and large tiled no-step walk-in shower. Primary Suite #2 offers incredible flexibility with its own private entrance, built-in closet, and wet bar with a mini refrigerator, making it ideal as a guest suite, home office, hobby room, or multigenerational living space. The remodeled second bathroom features a tiled shower/tub combination. Enjoy your morning coffee or unwind in the enclosed rear lanai overlooking the backyard, where you'll find mature lime and grapefruit tree adding both beauty and fresh fruit to your Florida lifestyle and you'll find Plum tree in the front yard. Additional features include a 2-car garage and numerous updates, including:Roof (2017), Dedicated HVAC for the second primary suite (2022), Irrigation system approximately 2–3 years old, Luxury vinyl flooring in dining, living room, and primary suite #2. Required Social Membership is $251 monthly providing access to the Country Club, fitness center, Junior Olympic swimming pool, tennis courts, racquetball, restaurant, social clubs, and more creates a lifestyle you'll love. Finding a home with two true primary suites, thoughtful updates, resort-style amenities, and this much value at such an affordable price is rare. Whether you're looking for a full-time residence, seasonal getaway, or investment opportunity, this is your chance to enjoy the Florida lifestyle near The Villages.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,537
Sqft
0.17 ac
Lot size
2
Garage
1995
Year built
One
Levels
$153
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.
$2,170 /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
$2,170/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 Lady Lake actives
$153 vs $198
Days on market
48 vs 50 typical
Where $153/sqft sits among the 207 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
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 → $305K
Lady Lake median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
100 of 207
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 26% 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 6200 TOPSAIL ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$255,000
6224 TOPSAIL ROAD · same community
2 bd · 2 ba · 1,500 sqft · $170/sqft · 38 DOM
Sold · Jul ’26$223,000
6144 TOPSAIL ROAD · same community
2 bd · 2 ba · 1,598 sqft · $140/sqft · 21 DOM
Sold · Nov ’25$315,000
5548 GROVE MANOR
3 bd · 2 ba · 1,525 sqft · $207/sqft · 41 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 6200 TOPSAIL ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6200 TOPSAIL ROAD — 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
6200 TOPSAIL ROAD FAQs
What would the monthly payment be for 6200 TOPSAIL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,170/mo — principal and interest, the actual property-tax bill, the $182/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 6200 TOPSAIL ROAD?+
The association fee works out to $182 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6200 TOPSAIL ROAD?+
The most recent tax bill on record (2025) was $4,084. 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 6200 TOPSAIL ROAD?+
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 $235,000, this home is listed about 28% 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 6200 TOPSAIL ROAD?+
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 MORRIS REALTY AND INVESTMENTS · Kim Ducharme-Levensohn. MLS #G5113859.
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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