6116 ARMADA STREET, TAVARES, FL, 32778
Active23 days on marketListed Jul 7, 2026MLS #OM727002
About this home
6116 ARMADA STREET
Brand new roof! Welcome to this beautifully appointed 3-bedroom, 2-bath home in the highly desirable waterfront 55+ community of Royal Harbor, nestled among the scenic Harris Chain of Lakes. With attractive landscaping, mature oak trees, and exceptional curb appeal, this meticulously maintained home offers comfort, style, and the Florida lifestyle you’ve been dreaming of. Step inside to an inviting open floor plan filled with abundant natural light and tasteful upgrades throughout. Features include neutral laminate wood flooring, elegant tile in the kitchen and bathrooms, vaulted ceilings with crown molding, plantation shutters, and stunning granite countertops that add both beauty and function. Enter through the screened breezeway and you’ll find a dedicated laundry room (new W/D) to the right with access to the spacious two-car garage, complete with a finished floor, insulated garage door, and retractable screen. To the left, the generously sized kitchen is designed for both everyday living and entertaining, featuring a gas range, large pantry, cozy breakfast nook with bay windows, and an eat-in bar for casual dining. The dining area flows seamlessly into the spacious family room, which opens to a 16x9 bonus room and a screened 17.5x10 birdcage patio—the perfect bug-free retreat to enjoy your own slice of Florida paradise with morning coffee or evening cocktails. This thoughtfully designed split floor plan offers privacy and flexibility. Two guest bedrooms are located at the front of the home and share a full bath; one includes built-in storage and a walk-in closet, making it ideal as a home office, hobby room, or craft space. Privately situated at the rear of the home, the spacious primary suite features a large walk-in closet and an ensuite bath with double vanity and walk-in shower. For added peace of mind, the seller is offering a home warranty to the buyer, making this move-in-ready home an even more attractive opportunity. Residents of Royal Harbor enjoy an active resort-style lifestyle with exceptional HOA amenities including a fitness center, billiards room, arts and crafts studio, library, card room, resort-style pool and spa, and a vibrant calendar of community activities. Come experience the perfect blend of low-maintenance living, modern comfort, and waterfront community charm.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.14 ac
Lot size
2
Garage
2005
Year built
One
Levels
$183
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.
$2,892 /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
$2,892/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
−2.6%
$/sqft vs Tavares actives
$183 vs $193
Days on market
23 vs 40 typical
Where $183/sqft sits among the 252 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
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
118 of 252
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 6116 ARMADA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$330,000
5135 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,766 sqft · $187/sqft · 64 DOM
Sold · Sep ’25$325,000
5135 INDIAN OCEAN LOOP · same community
3 bd · 2 ba · 1,766 sqft · $184/sqft · 33 DOM
Sold · Sep ’25$286,650
5095 CHINA SEA DRIVE · same community
3 bd · 2 ba · 1,627 sqft · $176/sqft · 34 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 6116 ARMADA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6116 ARMADA STREET — 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
6116 ARMADA STREET FAQs
What would the monthly payment be for 6116 ARMADA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,892/mo — principal and interest, the actual property-tax bill, the $282/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 6116 ARMADA STREET?+
The association fee works out to $282 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6116 ARMADA STREET?+
The most recent tax bill on record (2025) was $4,336. 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 6116 ARMADA STREET?+
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 $330,000, this home is priced right at the Tavares median.
Which schools are assigned to 6116 ARMADA STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Arial Harrington. MLS #OM727002.
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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