3430 LAKE DIANE ROAD, TAVARES, FL, 32778
Active120 days on marketListed Apr 7, 2026MLS #S5147301
About this home
3430 LAKE DIANE ROAD
Pre-Construction. To be built. Pre-Construction Custom Lakefront Home on 1.61 Acres in Hidden River Lakes – Build Your Dream Florida Lake Lifestyle Discover the ultimate blend of privacy, luxury, and Central Florida's iconic lake living. This rare 1.61-acre lakefront lot on serene Lake Diane in the exclusive Hidden River Lakes community is your opportunity to build a truly personalized home with a trusted custom home builder known for exceptional craftsmanship and attention to detail in Lake County. Imagine your custom 3-bedroom, 3-bath home with a dedicated office, designed exactly to suit your lifestyle. With a flexible floor plan and high-end finishes, you can tailor every detail—from spacious open-concept living areas and gourmet kitchens to luxurious primary suites and thoughtful workspaces. Construction is expected to take approximately 12 months from contract closing, allowing you to move in and start enjoying lake life sooner than you think. The expansive lot offers stunning direct frontage on peaceful Lake Diane, where you can relax with morning coffee overlooking the water or enjoy evening sunsets. Optional upgrades include adding your own private dock for easy access to the lake or a pool to create the perfect backyard oasis. The spacious acreage provides room for privacy, outdoor entertaining, and future possibilities while keeping neighbors at a comfortable distance. Residents of Hidden River Lakes enjoy direct access to the renowned Harris Chain of Lakes via the community's private boat ramp and freshwater canal. Launch your boat and explore over 75,000 acres of interconnected waterways—perfect for boating, fishing or leisurely cruises to waterfront dining and attractions. This is true Florida lake living at its best: kayaking or fishing right from your backyard on Lake Diane, then heading out to the full chain for bigger adventures. Located in a low-HOA, semi-rural gated community with just 68 homesites on 232 acres, you'll appreciate the peaceful setting without sacrificing convenience. The property is minutes from the charming Historic Mount Dora, famous for its boutique shops, restaurants, festivals, and scenic lakefront parks. Nearby downtowns like Tavares (America's Seaplane City) and Leesburg offer additional shopping, dining, and entertainment options—all easily reachable by boat or a short drive. Whether you're seeking a year-round retreat, a family home, or a peaceful waterfront escape, this pre-construction opportunity lets you create something truly one-of-a-kind. The builder will work closely with you to bring your vision to life on this premium lakefront site. Don't miss your chance to own a slice of Central Florida's best-kept secret. Contact us today to schedule a visit, discuss customization options, and start building the lakefront lifestyle you've always wanted.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,444
Sqft
1.61 ac
Lot size
2
Garage
2026
Year built
One
Levels
$347
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.
$5,536 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,536/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$347 vs $193
Days on market
120 vs 46 typical
Where $347/sqft sits among the 245 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
$318K → $313K
Tavares median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
116 of 245
Tavares actives have cut their price
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 161% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
Reality check
What actually sold near 3430 LAKE DIANE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$775,000
3607 HIDDEN RIVER LANE · same community
3 bd · 2.5 ba · 2,802 sqft · $277/sqft · 333 DOM
Sold · Nov ’25$825,000
3397 LAKE DIANE ROAD · same community
3 bd · 2 ba · 2,019 sqft · $409/sqft · -26 DOM
Sold · May ’26$699,000
3385 LAKE DIANE ROAD · same community
3 bd · 2 ba · 2,014 sqft · $347/sqft · 163 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 3430 LAKE DIANE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3430 LAKE DIANE 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
3430 LAKE DIANE ROAD FAQs
What would the monthly payment be for 3430 LAKE DIANE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,536/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 3430 LAKE DIANE ROAD?+
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 3430 LAKE DIANE ROAD?+
The most recent tax bill on record (2025) was $4,440. 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 3430 LAKE DIANE 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 $849,000, this home is listed about 152% above the Tavares median of $336,800. The market section on this page shows how the area is trending.
Which schools are assigned to 3430 LAKE DIANE ROAD?+
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
01Positioned at the premium end
$849,000 runs 161% above the TAVARES 32778 median — but at 2,444 sqft it's also 43% larger than the typical Tavares listing.
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
120 days on market against a Tavares median of 46 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Tanya Pannett. MLS #S5147301.
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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