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Overview

3 bd2 ba1,657 sqft2 car garageSingle Family
TypeSingle Family
HOA$185/mo
Built2026
Lot16,117 sqft
Living area1,657 sqft
Price / sqft$226
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
HARBOR HILLS
Type
Single Family Residence

True monthly carry

HOA
~$185/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Open FloorplanMicrowaveRange

5540 Saddleback CT is a 2026-built home in Harbor Hills, Lady Lake. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,657 square feet of living space. Listed at $374,900 (about $226/sqft), 99 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $185 monthly.

From the listing

Virtually staged This Brand New Build 3 bedroom 2 bath home sits on over a 1/3 acre homesite in Harbor Hills Country Club. As you walk in this open floor plan will greet you. The kitchen has 42inch cabinets and a huge kitchen island. There is 3 sliding glass doors that lead you to the back yard and covered patio. The property sits in 100 feet wide which gives you plenty of room for backyard play. With 2 full guest bedrooms with closets and guest bathroom which is just down the hall. You also have a separate laundry room with a window. Harbor Hills is a gated community in Lake County and we have won Dream Community of the Year many times. Do not delay.

The essentials

Built
2026
Price / sqft
$226
On market
109 days
Annual tax
$610
HOA
$185/mo
Flood zone
X · Low risk
Lot
16,117 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
0.37 acres
Lot size
1,657 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,378/mo
Down payment (20%)
$74,980
Property taxes
$51/mo
HOA
$185/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
16,117 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
109
Open Floorplan
Microwave
Range
Flood Zone x
Annual Tax (2026)
$610
Parcel #
13-18-24-0475-00B-00400

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor Hills
County
Lake
MLS Area
32159 - Lady Lake (The Villages)
Lot Size
16,117 sqft
HOA
$185/mo
Lara Parker

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #G5114153
$374,900-1.3%
$226/sqft
-
Price change
Source: Stellar MLS #G5114153
$379,900-4.0%
$229/sqft
6/22/2026
Listed for sale
Source: Stellar MLS #G5114153
$395,900
$239/sqft

Neighborhood

5540 Saddleback CT
Lady Lake, FL, 32159 · 32159 - Lady Lake (The Villages)

Market insights

Offer Insights

Choose an offer strength

List price: $374,900
$367,500 – $374,900
98.2% – 100% of listTops out right at the list price
80% of listList price
133 of the last 264 home closings in 32159 landed at this number or higher (50%). The median one sat 57 days before it went under contract, and this one is on day 109 after a $21,000 cut.

Sample: 264 closed home sales in 32159 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,379/mo
Principal & interest$1,955
Property taxes$51
Insurance$187
HOA$185
Down payment20% · $74,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$374,900

$226 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,657 sq ft

Time on market

109 days

Year built

2026

Monthly payment

About $2,378/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $610 annual tax bill, insurance, and the $185/mo HOA fee.

HOA fee

$185/mo

Managed by Lara Parker.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byHARBOR HILLS SALES, INCListing agent: Sean RichListing data from Stellar MLS, MLS# G5114153.

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