1183 TURTLE ISLAND ROAD, LADY LAKE, FL, 32159
Active19 days on marketListed Jul 14, 2026MLS #OM728253
About this home
1183 TURTLE ISLAND ROAD
This beautiful 3 Bed 2 Bath 2 Car Garage former model home offers the perfect blend of style, comfort, and low-maintenance convenience just minutes from the shopping, dining, golf, and nightly entertainment of Spanish Springs in The Villages. Built in 2024, this move-in-ready home showcases an open-concept floor plan with designer finishes, quartz countertops, stainless steel appliances, and abundant natural light throughout. The spacious primary suite provides a relaxing retreat, while the additional bedrooms give flexibility for guests, a home office, or hobbies. Whether you're looking for a full-time residence or a seasonal escape, you'll appreciate the modern construction, energy-efficient features, and the peace of mind that comes with owning a nearly new home. Step outside and enjoy a maintenance-friendly lifestyle with exterior lawn care included, giving you more time to take advantage of the community amenities, including a resort-style pool, clubhouse, dog park, playground, and scenic walking areas. The attached two-car garage provides ample storage for vehicles, golf gear, or outdoor equipment. Perfectly positioned near The Villages without the added costs often associated with living inside the community, this home offers exceptional value in one of Lady Lake's most convenient locations. Whether you're downsizing, retiring, escaping the winter months, or simply looking for a beautiful home with modern finishes and an active lifestyle, this property is ready to welcome you home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,509
Sqft
0.09 ac
Lot size
2
Garage
2024
Year built
One
Levels
$172
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.
$2,594 /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
$2,594/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 Lady Lake actives
$172 vs $198
Days on market
19 vs 50 typical
Where $172/sqft sits among the 206 Lady Lake 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 Lady Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lady Lake. See the full Lady Lake guide →
LADY LAKE 32159 — neighborhood snapshot
Population
30,846
Median age
68.7
Median income
$57,536
Median home value
$272,100
Avg household
1.83
Households w/ children
1,240
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lady Lake market
$306K → $305K
Lady Lake median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
100 of 206
Lady Lake actives have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 1183 TURTLE ISLAND ROAD
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$360,000
454 BISHOPVILLE LOOP
3 bd · 2 ba · 1,488 sqft · $242/sqft · 41 DOM
Sold · Sep ’25$340,000
1555 WARD COURT
3 bd · 2 ba · 1,488 sqft · $228/sqft · 201 DOM
Sold · Mar ’26$360,000
1542 WYATT AVENUE
3 bd · 2 ba · 1,530 sqft · $235/sqft · 99 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 1183 TURTLE ISLAND ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1183 TURTLE ISLAND 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
1183 TURTLE ISLAND ROAD FAQs
What would the monthly payment be for 1183 TURTLE ISLAND ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,594/mo — principal and interest, the actual property-tax bill, the $110/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 1183 TURTLE ISLAND ROAD?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1183 TURTLE ISLAND ROAD?+
The most recent tax bill on record (2025) was $8,140. 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 1183 TURTLE ISLAND ROAD?+
The listing reports pets: No. 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 Lady Lake?+
At $260,000, this home is listed about 20% below the Lady Lake median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1183 TURTLE ISLAND ROAD?+
The Villages Elementary Of Lady Lake School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN ASSOCIATES REALTY LLC · David Moore. MLS #OM728253.
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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