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Overview

3 bd2 ba2,035 sqft3 car garageSingle Family
TypeSingle Family
HOA$228/mo
Built2003
Lot11,697 sqft
Living area2,035 sqft
Price / sqft$196
Garage3 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboL DiningOpen FloorplanPrimary Bedroom Main FloorSplit Bedroom

5090 Indian Ocean Loop is a 2003-built home in Tavares Royal Harbor Ph 02 Lt 179, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,035 square feet of living space. Listed at $399,000 (about $196/sqft), 38 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $228 monthly.

From the listing

Open floor plan with most men’s Dream GARAGE…The front Entry has a SCREENED in front porch. Welcome guests through the front door with BEVELED glass into the Foyer with HIGH cathedral ceilings and updated fixtures. The Formal Dining room has laminate flooring, updated fixtures, and opens to the Kitchen and Family room. The Living room is off the Foyer and has laminate flooring and an ARCHED entry. The Kitchen features 42” cabinets with under cabinet LED lights, ceramic tile flooring, GAS range and oven, Microwave, refrigerator and Bosch dishwasher, BAR TOP seating, and Dinette that overlooks the back yard. The Family room opens to the Kitchen, Dinette, Dining room with laminate flooring, an NICHE with lighting by hallway to Primary Bedroom. There are SLIDING glass doors onto the Covered and ENCLOSED patio/lanai. The Primary Bedroom has laminate flooring, a WALK-IN closet, sliding glass doors onto the covered and enclosed lanai/porch and a en suite bathroom. The Primary Bathroom has DUAL sinks, garden tub with separate shower, private water closet and ceramic tile flooring. Bedroom 2 has laminate flooring with a built in closet. Bedroom 3 has laminate flooring, built in closet and a view of the rear yard. Bath 2 has ceramic tile flooring, tub/ shower combo. The lanai/ enclosed patio has laminate flooring and has sliding glass doors onto into the Primary Bedroom and the Family room. The GARAGE:Over 1,000 sq. ft. In 2019 installed NEW Clopay premium insulated garage doors with NEW vinyl tile flooring and paint. led lighting, WORKBENCH area, in 2019 added NEW air conditioning separate from house. UPDATES: 2019-AC, ROOF, hot water heater, Halogen bulb Chandeliers, 2 commodes, Nine (9) triple impact glass windows by PGT, mini blinds, Hunter six-zone irrigation/sprinkler timer. Royal Harbor offers much more than a home — it offers a lifestyle. Community amenities include a clubhouse, screened junior Olympic-size pool and spa, fitness center, library, craft, computer and billiards rooms, social hall, tennis, pickleball, shuffleboard and bocce. Participate and get involved with community activities, shows, dinners, dances and classes, along with a lakefront dock, fishing, picnic areas, walking and golf-cart paths. RV and boat storage is also available to residents at no additional charge, and a community boat ramp across the road provides convenient access for enjoying the Harris Chain of Lakes. All information recorded in the MLS is intended to be accurate however, it should be independently verified by buyer and their agent.

The essentials

Built
2003
Price / sqft
$196
On market
38 days
Annual tax
$4,324
HOA
$228/mo
Flood zone
X · Low risk
Lot
11,697 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
Community pool
Fitness center too
3 car garage
Driveway
0.27 acres
Lot size
2,035 sqft
Living area

Payment

Est. monthly payment
$2,869/mo
Down payment (20%)
$79,800
Property taxes
$360/mo
HOA
$228/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
11,697 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Ground Level, Oversized, Workshop in Garage
Days on Market
38
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
L Dining
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Walk-in Closet(s)
Rain Gutters
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Racquetball
Sidewalks
Special Community Restrictions
Tennis Court(s)
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Range Hood
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,324
Parcel #
13-20-25-1805-000-30100

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
11,697 sqft
Corner LotLandscapedLevelOversized LotPavedPrivate
HOA
$228/mo
Leland/lynn Sierra

Price history

Date
Event
Price
9/4/2026
Listed for sale
Source: Stellar MLS #G5117270
$399,000
$196/sqft

Neighborhood

5090 Indian Ocean Loop
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $399,000
$390,000 – $399,000
97.8% – 100% of listTops out right at the list price
80% of listList price
110 of the last 219 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 38.

Sample: 219 closed home sales in 32778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,869/mo
Principal & interest$2,081
Property taxes$360
Insurance$200
HOA$228
Down payment20% · $79,800
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 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

$399,000

$196 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,035 sq ft

Time on market

38 days

Year built

2003

Monthly payment

About $2,869/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,324 annual tax bill, insurance, and the $228/mo HOA fee.

HOA fee

$228/mo

Managed by Leland/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 byRE/MAX TITANIUM GROUPListing agent: Kimberly Jones-WildeListing data from Stellar MLS, MLS# G5117270.

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