1360 COTTAGE CIRCLE, TAVARES, FL, 32778
Active2 days on marketListed Jul 22, 2026MLS #O6427111
About this home
1360 COTTAGE CIRCLE
Welcome to this beautifully designed 2024-built cottage in the desirable Tavares. This charming 2-bedroom, 1-bath home offers 726 square feet of thoughtfully designed living space, maximizing comfort and functionality with an open-concept layout and abundant natural light. The modern kitchen flows seamlessly into the living area, creating an inviting space for everyday living and entertaining. Both bedrooms provide comfortable accommodations, while the low-maintenance lot makes homeownership easy and enjoyable. Ideally located just minutes from downtown Tavares, America's Seaplane City, you'll enjoy convenient access to waterfront parks, restaurants, shopping, medical facilities, and major roadways. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this move-in-ready home offers the perfect combination of modern construction, efficiency, and convenience.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
726
Sqft
0.05 ac
Lot size
2024
Year built
One
Levels
$331
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.
$1,923 /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
$1,923/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.
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
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
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 1360 COTTAGE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1360 COTTAGE CIRCLE — 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
1360 COTTAGE CIRCLE FAQs
What would the monthly payment be for 1360 COTTAGE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,923/mo — principal and interest, the actual property-tax bill, the $75/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 1360 COTTAGE CIRCLE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1360 COTTAGE CIRCLE?+
The most recent tax bill on record (2025) was $2,025. 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 1360 COTTAGE CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $240,000, this home is listed about 27% below the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 1360 COTTAGE CIRCLE?+
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.
Listing courtesy of COMPASS FLORIDA LLC · Prescilla Vazquez Cosme. MLS #O6427111.
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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