1342 COTTAGE CIRCLE, TAVARES, FL, 32778
Active34 days on marketListed Jun 19, 2026MLS #G5114041
About this home
1342 COTTAGE CIRCLE
Welcome to this beautifully constructed, brand-new home nestled in a peaceful age restricted community! This charming 2-bedroom, 1-bathroom property offers a perfect blend of modern comfort and style, featuring an open-concept kitchen and living room designed for both functionality and relaxation. Step inside to discover sleek luxury vinyl plank flooring throughout, providing both durability and elegance. The spacious kitchen is ideal for cooking and entertaining, with plenty of storage and easy flow into the living area. Large windows bring in natural light, creating a warm and inviting atmosphere throughout. This home is part of an exclusive opportunity through Habitat for Humanity of Lake and Sumter Counties, and all interested buyers will need to meet the qualifications set forth by the organization. It's an ideal choice for first-time homebuyers or those looking for a fresh start in a wonderful community.For more information or to learn about the application process, please reach out to us today. Your dream home could be closer than you think. Exact same floor plan as 1324 Cottage Cir, unit for sale is 1342.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
705
Sqft
0.04 ac
Lot size
2026
Year built
One
Levels
$251
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.
$1,355 /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
$1,518/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 NA
$251 vs $283
Days on market
34 vs 40 typical
Where $251/sqft sits among the 127 homes for sale in NA
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
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
55 of 127
NA have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 1342 COTTAGE CIRCLE
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$205,000
5700 BONITA BEACH APT ROAD UNIT 503 · same community
1 bd · 1 ba · 508 sqft · $404/sqft · 34 DOM
Sold · Jan ’26$200,000
15933 OLD HIGHWAY 50 · same community
2 bd · 1 ba · 905 sqft · $221/sqft · 0 DOM
Sold · Nov ’25$229,000
9114 SE 12TH DRIVE · same community
2 bd · 2 ba · 920 sqft · $249/sqft · 6 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 1342 COTTAGE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1342 COTTAGE CIRCLE — 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
1342 COTTAGE CIRCLE FAQs
What would the monthly payment be for 1342 COTTAGE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,355/mo — principal and interest, estimated property taxes, the $75/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 1342 COTTAGE CIRCLE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1342 COTTAGE CIRCLE?+
The most recent tax bill on record (2025) was $0. 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 1342 COTTAGE CIRCLE?+
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 Tavares?+
At $177,000, this home is listed about 46% below the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 1342 COTTAGE CIRCLE?+
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 FLAMINGO REAL ESTATE & MNGMT · Robbie Shoemaker. MLS #G5114041.
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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