3672 HIDDEN RIVER LANE, TAVARES, FL, 32778
Active162 days on marketListed Feb 13, 2026MLS #S5143673
About this home
3672 HIDDEN RIVER LANE
Waterfront Paradise on 1.48 Acres | Harris Chain of Lakes Access. Escape to the serene beauty of Hidden River Lakes, one of Tavares’ most exclusive gated enclaves. This expansive 1.48-acre residential lot offers the perfect blend of privacy, nature, and world-class recreation. Property Highlights: Boater’s Dream: Boasting 150 feet of private freshwater canal frontage, this property provides direct access to the renowned Harris Chain of Lakes. Build your custom private dock and spend your afternoons navigating Lake Harris, Lake Eustis, and beyond. Large-Scale Luxury: Spanning nearly an acre and a half, this lot is situated in an all-acreage community, ensuring you have ample space between neighbors and room for a sprawling custom estate. Natural Elegance: The grounds are adorned with mature trees, providing natural shade, privacy, and an established feel for your new build. Turn-Key Infrastructure: Save time and cost with public utilities available at the site. Premier Location: Hidden River Lakes is a secure, gated community surrounded by water, yet it remains minutes from the "Seaplane City" charm of downtown Tavares and the boutiques and dining of Mount Dora. Bring your builder and your boat to start living the quintessential Florida lifestyle on one of the last great waterfront lots in Zip Code 32778.
Facts & features
The home at a glance
1.47 ac
Lot size
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.
$2,358 /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
$2,358/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 16% below the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3672 HIDDEN RIVER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$625,000
3601 HIDDEN RIVER LANE · same community
4 bd · 3 ba · 1,935 sqft · $323/sqft · 7 DOM
Sold · May ’26$699,000
3385 LAKE DIANE ROAD · same community
3 bd · 2 ba · 2,014 sqft · $347/sqft · 163 DOM
Sold · Nov ’25$825,000
3397 LAKE DIANE ROAD · same community
3 bd · 2 ba · 2,019 sqft · $409/sqft · -26 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 3672 HIDDEN RIVER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3672 HIDDEN RIVER LANE — 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
3672 HIDDEN RIVER LANE FAQs
What would the monthly payment be for 3672 HIDDEN RIVER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,358/mo — principal and interest, the actual property-tax bill, the $106/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 3672 HIDDEN RIVER LANE?+
The association fee works out to $106 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3672 HIDDEN RIVER LANE?+
The most recent tax bill on record (2025) was $4,218. 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 3672 HIDDEN RIVER LANE?+
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 $275,000, this home is listed about 17% below the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3672 HIDDEN RIVER LANE?+
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
Three things that matter here
01Under the TAVARES 32778 market on paper
$275,000 is 16% below the TAVARES 32778 median of $329,245.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
162 days on market against a Tavares median of 40 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Tanya Pannett. MLS #S5143673.
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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