1259 TURTLE ISLAND ROAD, LADY LAKE, FL, 32159
Pending76 days on marketListed May 20, 2026MLS #W7885953
About this home
1259 TURTLE ISLAND ROAD
Under Construction. In the beautiful Hammock Oaks Development, come see our home of the week! Welcome to Hammock Oaks Villas in Lady Lake, Florida! Enjoy included exterior maintenance so you can spend your days taking in the Florida sun at the pool and cabana. Take a trip to Lake Griffin State park only 15 minutes away where you can hike, kayak, and fish! Our single-story, open-concept villas are 1,509 square feet and feature three bedrooms, two bathrooms, a two-car garage, and a backyard space, perfect for hosting friends and family. Design your home with ease with your choice of our perfectly coordinated designer interior finishes. The Winterhaven floor plan gives you all the style and comfort you could want all on one level. Your convenient two-car garage opens to the laundry room. Step into the inviting foyer, which leads to either a spacious bedroom or into the wide-open dining area and adjoining gourmet kitchen. A large center island overlooks the welcoming great room and optional lanai. An additional bedroom and full bath offers family and guests a comfortable place to stay. Your luxurious owner’s suite includes a sprawling walk-in closet and a dual vanity master bath. You'll simply love the Winterhaven. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,509
Sqft
0.09 ac
Lot size
2
Garage
2026
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.
$1,909 /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
$2,147/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−27.2%
Days on market
76 vs 52 typical
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 → $320K
Lady Lake median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the LADY LAKE 32159 median. See the full Lady Lake 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 1259 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 1259 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
1259 TURTLE ISLAND ROAD FAQs
What would the monthly payment be for 1259 TURTLE ISLAND ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,909/mo — principal and interest, estimated property taxes, 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 1259 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 1259 TURTLE ISLAND ROAD?+
The most recent tax bill on record (2026) was $0. 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 1259 TURTLE ISLAND 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 Lady Lake?+
At $258,975, this home is listed about 24% below the Lady Lake median of $339,995. The market section on this page shows how the area is trending.
Which schools are assigned to 1259 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.
Listing courtesy of MALTBIE REALTY GROUP · Bill Maltbie. MLS #W7885953.
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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