5370 Indian Ocean Loop, photo 1
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Overview

3 bd2 ba1,719 sqft3 car garageSingle Family
TypeSingle Family
HOA$205/mo
Built2005
Lot6,601 sqft
Living area1,719 sqft
Price / sqft$180
Garage3 car

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Open house

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

About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood Cabinets

5370 Indian Ocean Loop is a 2005-built home in Royal Harbor Ph 2, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,719 square feet of living space. Listed at $310,000 (about $180/sqft), 42 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $205 monthly.

From the listing

2021 ROOF • 3-CAR GARAGE • GENERAC GENERATOR • BOAT & RV STORAGE INCLUDED IN HOA FEES • ROYAL HARBOR 55+ COMMUNITY • HARRIS CHAIN OF LAKES LIFESTYLE! Welcome to easy Florida living in the highly sought-after Royal Harbor 55+ community! Built in 2005 and beautifully maintained, this inviting home offers 1,719 square feet with three bedrooms, two bathrooms and a rare three-car garage. A 2021 roof and Generac generator add valuable peace of mind, while Royal Harbor’s boat and RV storage makes it easy to enjoy the Florida lifestyle. Inside, transom windows bring additional natural light and architectural character to the home. The thoughtfully designed floor plan offers comfortable spaces for everyday living, relaxing and entertaining. Royal Harbor is located along the shores of Little Lake Harris, part of the Harris Chain of Lakes, and offers an impressive selection of amenities. Residents enjoy a clubhouse, social hall, fitness center, library, billiards, arts and crafts room, heated swimming pool and spa, tennis, pickleball, bocce, shuffleboard, horseshoes, a lakeside picnic pavilion and the community lighthouse. Boat and RV storage is included in the HOA fees and available on a first-come, first-served basis. Hickory Point Recreation Park is conveniently located across Highway 19 and provides multiple boat ramps with access to the Harris Chain of Lakes. Do not miss the opportunity to own a beautifully maintained home with a three-car garage, generator and access to the active Royal Harbor lifestyle. Schedule your private tour today! 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
2005
Price / sqft
$180
On market
42 days
Annual tax
$5,378
HOA
$205/mo
Flood zone
X · Low risk
Lot
6,601 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Fitness center too
3 car garage
Driveway
6,601 sqft lot
Lot size
1,719 sqft
Living area

Payment

Est. monthly payment
$2,425/mo
Down payment (20%)
$62,000
Property taxes
$448/mo
HOA
$205/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
6,601 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Golf Cart Garage, Oversized, Workshop in Garage
Days on Market
42
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Lighting
Rain Gutters
Sprinkler Metered
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Deed Restrictions
Fitness Center
Golf Carts OK
Handicap Modified
Park
Pool
Sidewalks
Tennis Court(s)
Wheelchair Access
Bar Fridge
Dishwasher
Disposal
Dryer
Gas Water Heater
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,378
Parcel #
13-20-25-1805-000-34800

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
Royal Harbor Ph 2
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
6,601 sqft
ClearedCity LimitsLandscapedPaved
HOA
$205/mo
Royal Harbor POA

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #G5117438
$310,000-4.6%
$180/sqft
-
Price change
Source: Stellar MLS #G5117438
$325,000-7.1%
$189/sqft
9/5/2026
Listed for sale
Source: Stellar MLS #G5117438
$349,900
$204/sqft

Neighborhood

5370 Indian Ocean Loop
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $310,000
$302,500 – $310,000
98% – 100% of listTops out right at the list price
80% of listList price
118 of the last 235 home closings in 32778 landed at this number or higher (50%). The median one sat 51 days before it went under contract, and this one is on day 42 after a $39,900 cut.

Sample: 235 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
$2,425/mo
Principal & interest$1,617
Property taxes$448
Insurance$155
HOA$205
Down payment20% · $62,000
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 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

$310,000

$180 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,719 sq ft

Time on market

42 days

Year built

2005

Monthly payment

About $2,425/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,378 annual tax bill, insurance, and the $205/mo HOA fee.

HOA fee

$205/mo

Managed by Royal Harbor POA.

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# G5117438.

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