4450 Treasure Cay Rd, photo 1
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Overview

4 bd3 ba2,011 sqft2 car garageSingle Family
TypeSingle Family
HOA$70/mo
Built2006
Lot9,409 sqft
Living area2,011 sqft
Price / sqft$174
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsThermostat

4450 Treasure Cay Rd is a 2006-built home in Tavares Groves At Baytree Ph 03, Tavares. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,011 square feet of living space. Listed at $349,900 (about $174/sqft), 109 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 monthly.

From the listing

Virtually Staged. Welcome home to this beautifully maintained 4-bedroom, 2.5-bath home situated on a desirable corner lot in a quiet, low-traffic neighborhood. Offering the perfect blend of comfort, functionality, and thoughtful upgrades, this home is move-in ready—with a brand-new roof to be installed before closing for added peace of mind. Inside, you'll find a spacious layout featuring a cozy wood-burning fireplace, a full indoor laundry room complete with a utility sink and storage closet, and wiring for surround sound in four rooms—perfect for entertaining or enjoying your favorite movies and music. The kitchen is well-equipped with a new refrigerator and double wall ovens, making meal preparation a breeze. The oversized 2-car garage includes a built-in workbench and a new garage door opener, while the large side patio provides the perfect outdoor space for relaxing, grilling, or gathering with family and friends. West-facing windows have been professionally tinted to improve energy efficiency and keep the home comfortable year-round. Additional value comes with a transferable home warranty, giving the new owner added confidence after closing. Located in one of the area's most sought-after neighborhoods, residents enjoy outstanding community amenities including a resort-style swimming pool, fitness center, soccer field, and racquetball court. This exceptional home offers the lifestyle you've been looking for—don't miss your opportunity to make it yours!

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The essentials

Built
2006
Price / sqft
$174
On market
109 days
Annual tax
$2,056
HOA
$70/mo
Flood zone
X · Low risk
Lot
9,409 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Fitness center too
2 car garage
9,409 sqft lot
Lot size
2,011 sqft
Living area

Payment

Est. monthly payment
$2,241/mo
Down payment (20%)
$69,980
Property taxes
$171/mo
HOA
$70/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
9,409 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
109
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Thermostat
Vaulted Ceiling(s)
Window Treatments
Lighting
Sidewalk
Sliding Doors
Clubhouse
Deed Restrictions
Fitness Center
Pool
Racquetball
Sidewalks
Built-in Oven
Convection Oven
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,056
Parcel #
25-19-25-0182-000-17000

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 Groves At Baytree Ph 03
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
9,409 sqft
HOA
$70/mo
Leland Management/Jose Ponton

Price history

Date
Event
Price
8/8/2026
Price change
Source: Stellar MLS #O6420481
$349,900-1.4%
$174/sqft
6/23/2026
Listed for sale
Source: Stellar MLS #O6420481
$354,900
$176/sqft

Neighborhood

4450 Treasure Cay Rd
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $349,900
$342,500 – $349,900
97.8% – 100% of listTops out right at the list price
80% of listList price
111 of the last 220 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 109 after a $5,000 cut.

Sample: 220 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
$2,241/mo
Principal & interest$1,825
Property taxes$171
Insurance$175
HOA$70
Down payment20% · $69,980
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 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

$349,900

$174 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,011 sq ft

Time on market

109 days

Year built

2006

Monthly payment

About $2,241/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,056 annual tax bill, insurance, and the $70/mo HOA fee.

HOA fee

$70/mo

Managed by Leland Management/Jose Ponton.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byCREEGAN GROUPListing agent: Chris CreeganListing data from Stellar MLS, MLS# O6420481.

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