3210 Saratoga Dr, photo 1
Active Under Contract
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Overview

2 bd3 ba1,986 sqft2 car garageSingle Family
TypeSingle Family
HOA$238/mo
Built2002
Lot7,382 sqft
Living area1,986 sqft
Price / sqft$200
Garage2 car

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About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main Floor

3210 Saratoga Dr is a 2002-built home in Tavares Royal Harbor Ph 02 Lt 179, Tavares. Inside you'll find 2 bedrooms, 3 bathrooms, and 1,986 square feet of living space. Listed at $397,000 (about $200/sqft), 18 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $238 monthly.

From the listing

Under contract-accepting backup offers. Welcome to Royal Harbor, where resort-style living meets the beauty of Florida’s Harris Chain of Lakes! Located in a gated active adult community, this beautifully updated home offers the perfect blend of comfort, style, and the Florida lifestyle you've been dreaming of! With over $162K in seller upgrades, highlights include a 16x32 lanai addition with shingle roof ($32K), whole-house Andersen window replacement, sliders, and plantation shutters ($60K investment). Additional improvements include a ROOF (2021), HVAC (2018), and TANKLESS HOT WATER HEATER (2021) - A complete list of upgrades is available upon request! Step inside and you'll immediately appreciate the welcoming, open feel, beautiful luxury vinyl plank flooring, neutral colors, plantation shutters, and thoughtful touches throughout. The kitchen is both stylish and functional, featuring quartz countertops, stainless steel appliances, solid wood cabinetry, and updated lighting. The expanded dining area creates a wonderful space for entertaining friends and family or simply enjoying everyday meals. Both bedrooms are conveniently located on the main level, including a comfortable primary suite with a tray ceiling, accent lighting, and an updated ensuite bathroom. Upstairs, you'll discover a versatile loft with its own half bath and a peek at Little Lake Harris! Whether you envision a home office, creative retreat, hobby room, or extra space for visiting family, the possibilities are yours. One of the home's most inviting features is the spacious covered and screened lanai, affectionately named the "Big Sky Lanai" by the sellers. It's the perfect place to relax, entertain, and enjoy spectacular views of Disney fireworks and even rocket launches lighting up the Florida sky! And there's plenty to appreciate behind the scenes, too - A whole-house water filtration system, and three-zone heating and cooling add comfort, efficiency, and peace of mind. But the lifestyle doesn't stop at your front door! Royal Harbor offers an impressive collection of amenities, including a waterfront clubhouse, fitness center, library, heated pool and spa, pickle ball and bocce courts, scenic walking paths, a community fishing pier, and FREE RV and boat storage. With Little Lake Harris as a beautiful backdrop and nearby Hickory Point providing public boat-launch access to the Harris Chain of Lakes, boating, fishing, and waterfront adventures are always within reach. Beautifully updated, thoughtfully designed, and surrounded by opportunities to enjoy the best of Central Florida living, this is more than a home. It's a lifestyle you'll love coming home to! This home can be purchased with NO MONEY DOWN or NO INCOME VERIFICATION

The essentials

Built
2002
Price / sqft
$200
On market
18 days
Annual tax
$5,340
HOA
$238/mo
Flood zone
X · Low risk
Lot
7,382 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
Water views
Water
Community pool
Fitness center too
2 car garage
Driveway
7,382 sqft lot
Lot size

Payment

Est. monthly payment
$2,952/mo
Down payment (20%)
$79,400
Property taxes
$445/mo
HOA
$238/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
7,382 sqft
Cooling
Central Air
Heating
Central, Natural Gas
Parking
Driveway, Garage Door Opener
Days on Market
18
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Association Recreation - Owned
Clubhouse
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Pool
Tennis Court(s)
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,340
Parcel #
13-20-25-1805-000-22300

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
7,382 sqft
LandscapedPaved
HOA
$238/mo
Leland Management

Price history

Date
Event
Price
10/15/2026
Pending sale
Source: Stellar MLS #G5118573
$397,000
$200/sqft
10/2/2026
Listed for sale
Source: Stellar MLS #G5118573
$397,000
$200/sqft

Neighborhood

3210 Saratoga Dr
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $397,000
$390,000 – $397,000
98% – 100% of listTops out right at the list price
80% of listList price
120 of the last 239 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 18.

Sample: 239 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
$2,952/mo
Principal & interest$2,071
Property taxes$445
Insurance$199
HOA$238
Down payment20% · $79,400
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

$397,000

$200 per sq ft

Beds and baths

2 beds, 3 baths

Size

1,986 sq ft

Time on market

18 days

Year built

2002

Monthly payment

About $2,952/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,340 annual tax bill, insurance, and the $238/mo HOA fee.

HOA fee

$238/mo

Managed by Leland Management.

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 byLPT REALTY, LLCListing agent: Kelly MonroeListing data from Stellar MLS, MLS# G5118573.

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