30089 ISLAND CLUB DRIVE, DEER ISLAND, FL, 32778
Pending34 days on marketListed Jul 15, 2026MLS #G5114396
About this home
30089 ISLAND CLUB DRIVE
Virtually Staged. SELLER IS OFFERING A $10,000.00 CLOSING COST CREDIT! Looking for a true showstopper? This pristinely maintained 4-bedroom, 4.5-bath home in the desirable Deer Island community delivers exceptional style, space, and spectacular golf course views. From the moment you enter the grand foyer, custom details make an unforgettable impression—from distinctive ceiling treatments to the built-in entertainment center surrounding the fireplace. Soaring windows along the rear of the home fill the living spaces with natural light while showcasing beautiful views from nearly every angle. Designed for effortless entertaining, the open-concept floor plan flows from the custom kitchen and inviting breakfast nook to a convenient wet bar and spacious screened patio. The luxurious primary suite features a private terrace overlooking the golf course, an oversized dual-vanity bath, walk-in shower, garden tub, private water closet, and custom walk-in closet system. Also on the main level are a generous laundry room, powder room, and second en-suite bedroom. Upstairs, an open loft overlooks the living area and offers another breathtaking view. Two additional bedrooms, a versatile bonus room ideal for a home gym or office, and an expansive storage closet complete the second floor. A two-car garage and separate side-entry golf cart garage add even more convenience to this exceptional Deer Island home. With thoughtful upgrades, abundant storage, and remarkable indoor-outdoor living, this property truly checks every box. Deer Island offers an exceptional lifestyle with a clubhouse and dining, private pool, tennis courts, and a boat dock with available slips. Three membership options are available to both residents and the public. Golf enthusiasts will appreciate the community’s golf course and driving range, conveniently located on the island’s east side. By boat, historic downtown Mount Dora is less than a mile away, offering charming shops, excellent dining, and year-round festivals. Approximately 45 minutes from both Orlando and The Villages, Deer Island provides a truly unique island setting while keeping everyday conveniences and popular destinations within easy reach. This home also comes with a 13-month Home Warranty. Upstairs A/C replaced 2025, Water Heater replaced 2024, Windows replaced 2022, Roof replaced 2018, Downstairs A/C replaced 2016. Golf Cart is also available.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,422
Sqft
0.16 ac
Lot size
2
Garage
1995
Year built
Two
Levels
$175
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.
$4,221 /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
$4,221/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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$3,047/mo median
Live Deer Island rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full guide →
DEER ISLAND 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 Deer Island market
$440K → $390K
Deer Island median sold, yr/yr
90.3%
Sale-to-list ratio (12 mo)
Median sold price, Deer Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% above the DEER ISLAND 32778 median. See the full Deer Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 30089 ISLAND CLUB DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,360,000
30321 ISLAND CLUB DRIVE
5 bd · 4 ba · 3,385 sqft · $402/sqft · 56 DOM
Sold · Apr ’26$1,150,000
3001 LAKESHORE DRIVE
5 bd · 4.5 ba · 3,351 sqft · $343/sqft · 52 DOM
Sold · Mar ’26$680,000
30088 ISLAND CLUB RUN
5 bd · 4.5 ba · 3,277 sqft · $208/sqft · 0 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 30089 ISLAND CLUB DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 30089 ISLAND CLUB DRIVE — 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
30089 ISLAND CLUB DRIVE FAQs
What would the monthly payment be for 30089 ISLAND CLUB DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,221/mo — principal and interest, the actual property-tax bill, the $17/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 30089 ISLAND CLUB DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 30089 ISLAND CLUB DRIVE?+
The most recent tax bill on record (2025) was $6,986. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 30089 ISLAND CLUB DRIVE be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 30089 ISLAND CLUB DRIVE?+
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 Deer Island?+
At $599,900, this home is listed about 10% below the Deer Island median of $664,313. The market section on this page shows how the area is trending.
Which schools are assigned to 30089 ISLAND CLUB DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$599,900 runs 86% above the DEER ISLAND 32778 median — but at 3,422 sqft it's also 21% larger than the typical Deer Island listing.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
Keep looking
Similar homes nearby
Listing courtesy of ERA GRIZZARD REAL ESTATE · Jim Richardson. MLS #G5114396.
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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