1923 BANNING BEACH ROAD, TAVARES, FL, 32778
Active120 days on marketListed Apr 12, 2026MLS #O6397911
About this home
1923 BANNING BEACH ROAD
Welcome to 1923 Banning Beach Road, a beautifully maintained 3-bedroom, 2-bath villa in the highly desirable Vista Villas community of Tavares. This thoughtfully upgraded home features luxury vinyl plank flooring, plantation shutters, detailed trim work, and a bright open-concept layout designed for both comfortable living and effortless entertaining. The kitchen is well-appointed with granite countertops, stainless steel appliances, 42-inch cabinets with crown molding, a pantry, and a breakfast bar that flows seamlessly into the spacious family room and breakfast nook. The oversized primary suite offers dual granite vanities, a garden tub, a custom-tiled walk-in shower, and a professionally designed ClosetMaid-style walk-in closet system featuring custom shelving and hanging space for efficient, organized storage. A flexible downstairs room with a closet functions perfectly as a home office or additional bedroom, while the upstairs guest suite provides privacy and separation for visitors. One of the standout features of this home is the screened-in rear patio, ideal for relaxing or entertaining year-round while enjoying peaceful views of the protected nature preserve behind the property—offering exceptional privacy with no future development. Located just minutes from Lake Eustis and the Harris Chain of Lakes, this home provides convenient access to boating, waterfront dining, and outdoor recreation, while downtown Tavares offers a unique lifestyle with its seaplane marina, frequent festivals, family-friendly atmosphere, and growing selection of restaurants and entertainment. Known for its charm, safety, and continued growth, Tavares continues to be one of Central Florida’s most appealing lakefront communities, making this home an excellent opportunity for both primary residence and long-term value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,030
Sqft
0.17 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$192
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.
$3,063 /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
$3,063/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
$192 vs $193
Days on market
120 vs 50 typical
Where $192/sqft sits among the 241 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 Vista Del Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tavares. See the full Tavares guide →
Vista Del Largo — neighborhood snapshot
Population
565
Median age
61
Median income
$81,402
Median home value
$287,500
Avg household
2
Households w/ children
41%
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)
117 of 241
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 1923 BANNING BEACH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$245,000
1115 ELKHART CIRCLE
3 bd · 2 ba · 2,032 sqft · $121/sqft · 132 DOM
Sold · Sep ’25$367,000
1412 COVE PLACE
4 bd · 2 ba · 2,048 sqft · $179/sqft · 56 DOM
Sold · Jun ’26$354,999
147 WATERSTONE LOOP
4 bd · 3 ba · 2,051 sqft · $173/sqft · 226 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 1923 BANNING BEACH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1923 BANNING BEACH ROAD — 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
1923 BANNING BEACH ROAD FAQs
What would the monthly payment be for 1923 BANNING BEACH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,063/mo — principal and interest, the actual property-tax bill, the $93/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 1923 BANNING BEACH ROAD?+
The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1923 BANNING BEACH ROAD?+
The most recent tax bill on record (2025) was $4,110. 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 1923 BANNING BEACH ROAD?+
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 $389,900, this home is listed about 16% above the Tavares median of $336,800. The market section on this page shows how the area is trending.
Which schools are assigned to 1923 BANNING BEACH ROAD?+
Tavares Elementary School (elementary), Tavares High School (high), 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
$389,900 runs 20% above the TAVARES 32778 median — but at 2,030 sqft it's also 20% larger than the typical Tavares listing.
02Time on market is leverage
120 days on market against a Tavares median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $425,000, now $389,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 ALTON CLARK · James Clark. MLS #O6397911.
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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