900 N HARBOR TERRACE, TAVARES, FL, 32778
Active362 days on marketListed Aug 7, 2025MLS #O6333934
About this home
900 N HARBOR TERRACE
**Waterfront Duplex on Lake Dora – A Unique Income-Generating Opportunity!** Discover the perfect blend of location and luxury with this custom-built waterfront duplex, Nestled along the scenic shores of Lake Dora, this property offers premier views and endless possibilities for water enthusiasts—bring your boat, jet skis, and all your favorite water activities! The thoughtfully designed layout features two spacious bedrooms and a full bathroom on the main level, along with a generous family room adorned with a stunning brick facade and a cozy wood-burning fireplace. Enjoy breathtaking vistas of Lake Dora and the Dora Canal from the comfort of your living space. The upper level boasts a unique apartment/suite with its own private entrance, comprising a bedroom, bathroom, full kitchen, and living area. This versatile space is ideal for generating rental income, accommodating guests, or serving as a dedicated retreat. Recent upgrades include all new irrigation system HVAC system, and a newer roof, with no HOA or restrictions in place, the potential for this property is boundless. Located less than five minutes from Downtown Tavares and just 15 minutes from Downtown Mount Dora, you’ll find yourself at the heart of it all. Don’t miss your chance to own this exceptional duplex—schedule your visit today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,752
Sqft
0.25 ac
Lot size
1979
Year built
Two
Levels
$485
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.
$5,452 /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
$5,452/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.
vs edgeAI estimate
+160.9%
$/sqft vs Tavares actives
$485 vs $193
Days on market
362 vs 46 typical
Where $485/sqft sits among the 244 Tavares 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 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
$318K → $313K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
113 of 244
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 162% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 900 N HARBOR TERRACE
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$305,000
1703 WYNFORD CIRCLE
3 bd · 2.5 ba · 1,772 sqft · $172/sqft · 184 DOM
Sold · Feb ’26$363,990
3502 NETTLE LOOP
4 bd · 2 ba · 1,828 sqft · $199/sqft · 4 DOM
Sold · Feb ’26$337,990
3506 NETTLE LOOP
3 bd · 2 ba · 1,672 sqft · $202/sqft · 45 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 900 N HARBOR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 900 N HARBOR TERRACE — 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
900 N HARBOR TERRACE FAQs
What would the monthly payment be for 900 N HARBOR TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,452/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 900 N HARBOR TERRACE?+
The most recent tax bill on record (2024) was $4,646. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tavares?+
At $850,000, this home is listed about 150% above the Tavares median of $339,745. The market section on this page shows how the area is trending.
Which schools are assigned to 900 N HARBOR TERRACE?+
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
Four things that matter here
01Positioned at the premium end
$850,000 runs 162% above the TAVARES 32778 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
362 days on market against a Tavares median of 46 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $925,000, now $850,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Mark Loomis. MLS #O6333934.
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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