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Overview

4 bd3 ba2,093 sqft2 car garageSingle Family
TypeSingle Family
HOA$100/mo
Built2026
Lot15,546 sqft
Living area2,093 sqft
Price / sqft$213
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
THE LAKES OF LADY LAKE
Type
Single Family Residence

True monthly carry

HOA
~$100/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

Ceiling Fans(s)Coffered Ceiling(s)Open FloorplanSplit BedroomTray Ceiling(s)Walk-in Closet(s)Golf Carts OKGolf

551 Dowling Cir is a 2026-built home in The Lakes Of Lady Lake, Lady Lake. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,093 square feet of living space. Listed at $445,000 (about $213/sqft), 78 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $100 monthly.

From the listing

PRICE REDUCED — MOTIVATED SELLER! Discover brand-new construction in the desirable Lakes of Lady Lake golf community! This beautifully designed 4-bedroom, 3-bathroom home with a 2-car garage combines modern finishes, flexible living spaces, and thoughtful details throughout. One of the standout features is the two primary suites, offering an ideal layout for multigenerational living, extended family, guests, or anyone looking for additional privacy and flexibility. Step inside to an inviting open-concept floor plan featuring luxury vinyl plank flooring throughout. The gourmet kitchen is the heart of the home, showcasing quartz countertops, designer cabinetry, stylish backsplash, farmhouse sink, and stainless-steel appliances, including the refrigerator, range, microwave, and dishwasher. The kitchen flows seamlessly into the spacious great room overlooking the backyard—perfect for entertaining or simply relaxing at home. All three bathrooms feature quartz countertops and elegant vanities. The main primary suite includes an en-suite bathroom with dual sinks, while the secondary primary suite features a beautifully customized shower. Even the utility room delivers something special, with washer and dryer hookups plus a custom-built pet-washing station for your four-legged family members. Outside, enjoy a peaceful backyard with plenty of room to create your own Florida retreat, including space for a future pool and deck. For added peace of mind, the home includes a one-year builder warranty plus an additional three-year warranty. Brand-new construction, dual primary suites, beautiful modern finishes, flexible living space, and a desirable golf-community setting make this home an exceptional opportunity. PRICE REDUCED AND SELLER MOTIVATED — schedule your private tour today!

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The essentials

Built
2026
Price / sqft
$213
On market
78 days
Annual tax
$1,554
HOA
$100/mo
Flood zone
X · Low risk
Lot
15,546 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
Garage Door Opener
0.36 acres
Lot size
2,093 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,773/mo
Down payment (20%)
$89,000
Property taxes
$130/mo
HOA
$100/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
15,546 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Days on Market
78
Ceiling Fans(s)
Coffered Ceiling(s)
Open Floorplan
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Golf Carts OK
Golf
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Villages Elem of Lady Lake
Middle
Carver Middle
High
Leesburg High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$1,554
Parcel #
05-18-24-2000-00C-02700

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
The Lakes Of Lady Lake
County
Lake
MLS Area
32159 - Lady Lake (The Villages)
Lot Size
15,546 sqft
HOA
$100/mo
Catherine Gravowski

Price history

Date
Event
Price
9/29/2026
Price change
Source: Stellar MLS #G5115498
$445,000-3.3%
$213/sqft
-
Price change
Source: Stellar MLS #G5115498
$460,000-6.1%
$220/sqft
7/24/2026
Listed for sale
Source: Stellar MLS #G5115498
$490,000
$234/sqft

Neighborhood

551 Dowling Cir
Lady Lake, FL, 32159 · 32159 - Lady Lake (The Villages)

Market insights

Offer Insights

Choose an offer strength

List price: $445,000
$437,500 – $445,000
98.1% – 100% of listTops out right at the list price
80% of listList price
135 of the last 268 home closings in 32159 landed at this number or higher (50%). The median one sat 56 days before it went under contract, and this one is on day 78 after a $45,000 cut.

Sample: 268 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
$2,773/mo
Principal & interest$2,321
Property taxes$130
Insurance$223
HOA$100
Down payment20% · $89,000
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

$445,000

$213 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,093 sq ft

Time on market

78 days

Year built

2026

Monthly payment

About $2,773/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,554 annual tax bill, insurance, and the $100/mo HOA fee.

HOA fee

$100/mo

Managed by Catherine Gravowski.

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 byRE/MAX TITANIUM GROUPListing agent: Lisa Lugo MannsListing data from Stellar MLS, MLS# G5115498.

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