3657 SUBLETT LOOP, TAVARES, FL, 32778
Active242 days on marketListed Nov 20, 2025MLS #O6361605
About this home
3657 SUBLETT LOOP
Discover comfort, convenience, and true Florida living in this beautifully designed Ammolite floor plan by Richmond American Homes. Situated in a community that offers serene lake views, peaceful walking paths, and walking-distance access to a public boat ramp on Lake Harris, this home combines natural beauty with everyday practicality. You’re also just minutes from shopping, dining, and major highways—making commuting a breeze. Step inside to find a thoughtful layout with space for everyone. The main floor features a private guest suite complete with its own living room, bedroom, and full bathroom—ideal for multigenerational living or visiting guests. The open-concept great room flows seamlessly into the well-appointed kitchen, showcasing a large center island, walk-in pantry, dining nook, eggshell 42" cabinetry, matte finishes, quartz countertops, filtered water at the sink, a sleek range hood, and stylish 7”x22” wood-look tile throughout. Upstairs, enjoy a versatile central loft, a convenient laundry room, and two secondary bedrooms sharing a full bath. The luxurious owner’s suite offers an expansive walk-in closet and a spa-like private bath—your perfect retreat at the end of the day. Outdoor living shines here as well, with an extended covered lanai ideal for morning coffee, evening relaxation, or entertaining friends. Additional upgrades include an epoxy-coated garage floor, providing both style and durability. Move-in ready and designed with elevated finishes, this home perfectly blends functionality, elegance, and Florida lifestyle living.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,030
Sqft
0.15 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$168
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.
$4,078 /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
$4,078/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 Tavares actives
$168 vs $194
Days on market
242 vs 40 typical
Where $168/sqft sits among the 248 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.
The investor lens
Two ways this home pays
This home sits inside Seasons, 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
$2,008/mo median
Live Tavares rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening50%
Occupancy
▼ 32% yr/yr
$296
Avg nightly rate
▲ 15% yr/yr
$35K/yr
Revenue per listing
$148
RevPAR
63 days
Booking lead time
5.5 nights
Avg stay
3
Typical min nights
10,047
Active rentals
▲ 12% supply
Seasonality — monthly occupancy
Peaks at 58% in Feb · bottoms at 38% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Seasons
Seasons is a short-term-rental community. See the full 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)
117 of 248
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3657 SUBLETT LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$460,000
3711 MALAD WAY · same community
5 bd · 3.5 ba · 3,030 sqft · $152/sqft · 257 DOM
Sold · Jun ’26$485,000
3633 SUBLETT LOOP · same community
5 bd · 3.5 ba · 3,037 sqft · $160/sqft · 112 DOM
Sold · Nov ’25$500,000
4211 SAWTOOTH COURT · same community
5 bd · 3.5 ba · 3,000 sqft · $167/sqft · 246 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 3657 SUBLETT LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3657 SUBLETT LOOP — 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
3657 SUBLETT LOOP FAQs
What would the monthly payment be for 3657 SUBLETT LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,078/mo — principal and interest, the actual property-tax bill, the $80/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 3657 SUBLETT LOOP?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3657 SUBLETT LOOP?+
The most recent tax bill on record (2025) was $7,469. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3657 SUBLETT LOOP be rented short-term?+
Yes — this home sits inside Seasons, 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 3657 SUBLETT LOOP?+
The listing reports pets: Cats OK, Dogs OK, 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 $508,000, this home is listed about 54% above the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3657 SUBLETT LOOP?+
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
$508,000 runs 56% above the TAVARES 32778 median — but at 3,030 sqft it's also nearly twice the size of the typical Tavares listing.
02Zoned for nightly rentals
Seasons 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.
03Time on market is leverage
242 days on market against a Tavares median of 40 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $518,000, now $508,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Emily Armstrong. MLS #O6361605.
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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