5154 Indian Ocean Loop, photo 1
ActiveOpen Sat 12 to 2 PM
1 / 50

Overview

3 bd2 ba2,095 sqft2 car garageSingle Family
TypeSingle Family
HOA$228/mo
Built2005
Lot8,800 sqft
Living area2,095 sqft
Price / sqft$179
Garage2 car

Ask anything about this home

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

Open house

Saturday, Oct 17 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersThermostatWalk-in Closet(s)

5154 Indian Ocean Loop is a 2005-built home in Tavares Royal Harbor Ph 02 Lt 179, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,095 square feet of living space. Listed at $375,000 (about $179/sqft), 54 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $228 monthly.

From the listing

BRAND-NEW KITCHEN • 2022 ROOF • 2024 HVAC • GATED 55+ COMMUNITY with RV/BOAT STORAGE • Located in Royal Harbor, one of Tavares established gated 55+ communities, this custom 3-bedroom, 2-bath home offers a spacious split-bedroom floor plan, major recent improvements and access to an impressive selection of community amenities. The BRAND-NEW KITCHEN has just been completed, featuring updated cabinetry, countertops and a fresh, modern look. Additional improvements include a NEW ROOF (2022), HVAC (2024), WATER SOFTENER (2024) and KITCHEN APPLIANCES (2024)—saving the next owner from several major expenses. Inside, high ceilings, decorative columns, arched openings and a beautiful leaded-glass entry door give this home architectural character beyond the typical floor plan. The spacious Great Room offers plenty of room for entertaining, while the formal dining area provides a separate space for gatherings. The enclosed lanai extends the living area and opens to an additional screened patio with a hot tub and room for outdoor dining or grilling. The generously sized primary suite includes a large walk-in closet, direct lanai access and a private bathroom with dual vanities, a soaking tub and separate walk-in shower. Two additional bedrooms are located on the opposite side of the home, offering privacy and flexibility for guests, an office or hobbies. ROYAL HARBOR AMENITIES ARE A MAJOR BONUS! Residents enjoy RV AND BOAT STORAGE AT NO ADDITIONAL CHARGE, a clubhouse, screened junior Olympic-size swimming pool and spa, fitness center, tennis, pickleball, shuffleboard, bocce, billiards, library, craft room and an active calendar of community events. Enjoy the lakefront dock, fishing and picnic areas, walking and golf-cart paths, plus a community boat ramp across the road with access to the Harris Chain of Lakes. A BRAND-NEW KITCHEN, MAJOR SYSTEM UPDATES, GENEROUS LIVING SPACE AND FREE RV/BOAT STORAGE—all within a gated, amenity-rich community! Schedule your private showing and be sure to check out the virtual tour! All information recorded in the MLS is intended to be accurate; however, buyers and their agents should independently verify all information.

Request documents

Free. Tap one and our team sends it over.

The essentials

Built
2005
Price / sqft
$179
On market
54 days
Annual tax
$4,241
HOA
$228/mo
Flood zone
X · Low risk
Lot
8,800 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Fitness center too
2 car garage
Driveway
8,800 sqft lot
Lot size
2,095 sqft
Living area

Payment

Est. monthly payment
$2,725/mo
Down payment (20%)
$75,000
Property taxes
$353/mo
HOA
$228/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
8,800 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
54
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Shade Shutter(s)
Sprinkler Metered
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Racquetball
Sidewalks
Special Community Restrictions
Tennis Court(s)
Convection Oven
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,241
Parcel #
13-20-25-1805-000-30400

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
Tavares Royal Harbor Ph 02 Lt 179
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
8,800 sqft
ClearedCity LimitsPavedPrivate
HOA
$228/mo
Lynn Sierra

Price history

Date
Event
Price
8/21/2026
Listed for sale
Source: Stellar MLS #G5116779
$375,000
$179/sqft

Neighborhood

5154 Indian Ocean Loop
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $375,000
$367,500 – $375,000
97.8% – 100% of listTops out right at the list price
80% of listList price
113 of the last 224 home closings in 32778 landed at this number or higher (50%). The median one sat 50 days before it went under contract, and this one is on day 54.

Sample: 224 closed home sales in 32778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,725/mo
Principal & interest$1,956
Property taxes$353
Insurance$188
HOA$228
Down payment20% · $75,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues 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

$375,000

$179 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,095 sq ft

Time on market

54 days

Year built

2005

Monthly payment

About $2,725/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,241 annual tax bill, insurance, and the $228/mo HOA fee.

HOA fee

$228/mo

Managed by Lynn Sierra.

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 byHARRISON REAL PROPERTY GROUPListing agent: Amanda HarrisonListing data from Stellar MLS, MLS# G5116779.

Keep exploring Florida

Pick up where you left off, or see what else is out there.