Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
Open house
Sunday, Oct 11 · 12:00 PM to 2:00 PM
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- HAMMOCK OAKS PH 1C
- Type
- Half Duplex
True monthly carry
- HOA
- ~$110/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- 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.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
1208 Turtle Island Rd is a 2026-built home in Hammock Oaks Ph 1c, Lady Lake. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,509 square feet of living space. Listed at $299,000 (about $198/sqft), 187 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 monthly.
Move-in ready and impeccably upgraded, this stunning Winterhaven model villa built by Ryan Homes offers effortless luxury living from the moment you arrive. Thoughtfully curated finishes and designer enhancements elevate every space, including the following upgrades: * Bright Great Room with an upgraded LED lighting package * Corfu Package LVP and tile in all wet areas for durability and design * Extra outlets in the garage and lanai—perfect for your TV or hobby setup * Pre-wired fan outlets and ceiling fans in the bedroom and great room * Washer, dryer, and added laundry cabinetry for extra storage * Designer shutters throughout and a motorized roller shade on the sliders * A premium lot backing to peaceful woods and a retaining pond—no rear neighbors * Transferable warranty from Ryan Homes This is an ALL-AGES community, and this villa is on one of the few wooded-view lots still available. Furniture also available for purchase.
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
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 teamCalculator
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 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
$299,000
$198 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,509 sq ft
Time on market
187 days
Year built
2026
Monthly payment
About $2,028/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,514 annual tax bill, insurance, and the $110/mo HOA fee.
HOA fee
$110/mo
Managed by Dawn Vansant.
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?
Keep exploring Florida
Pick up where you left off, or see what else is out there.
