903 N HARBOR TERRACE, TAVARES, FL, 32778
Active263 days on marketListed Nov 14, 2025MLS #O6360677
About this home
903 N HARBOR TERRACE
Welcome to 903 North Harbor Terrace, a beautifully maintained block home located right by Lake Dora, with deeded boat launch apart of the stunning Harris Chain of Lakes. Enjoy spacious living in this cozy layout, perfect for families or those looking for a peaceful retreat. **Mother-in-Law Suite** This versatile suite boasts its own private entrance, making it ideal for guests, extended family, or even as a rental unit. *The home is equipped with all new updated appliances, ensuring comfort and convenience for everyday living. Don’t miss this incredible opportunity to own a piece of paradise! With multiple possibilities for rental income and endless opportunities for fun in the sun, this property is perfect for water enthusiasts and nature lovers alike. With deeded access to bout launch. Embrace the lifestyle and make this beautiful home your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,300
Sqft
0.18 ac
Lot size
1962
Year built
One
Levels
$242
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.
$2,355 /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
$2,355/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.
vs edgeAI estimate
+19.4%
$/sqft vs Tavares actives
$242 vs $193
Days on market
263 vs 46 typical
Where $242/sqft sits among the 242 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 → $305K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
113 of 242
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 903 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 · Dec ’25$310,000
30004 WAUSAUKEE DRIVE
3 bd · 2 ba · 1,296 sqft · $239/sqft · 158 DOM
Sold · Jun ’26$120,000
1409 RIDGE ROAD
2 bd · 2 ba · 1,344 sqft · $89/sqft · 104 DOM
Sold · Jul ’26$160,000
1117 OAKLAND
3 bd · 2 ba · 1,242 sqft · $129/sqft · 310 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 903 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 903 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
903 N HARBOR TERRACE FAQs
What would the monthly payment be for 903 N HARBOR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,355/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 903 N HARBOR TERRACE?+
The most recent tax bill on record (2025) was $2,416. 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 903 N HARBOR TERRACE?+
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 $315,000, this home is listed about 7% below the Tavares median of $337,000. The market section on this page shows how the area is trending.
Which schools are assigned to 903 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
01Under the TAVARES 32778 market on paper
$315,000 is 3% below the TAVARES 32778 median of $325,000.
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
263 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 $375,000, now $315,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Mark Loomis. MLS #O6360677.
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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