

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- TRINITY LAKES PH 3
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$96/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
1863 Church Lake St is a 2026-built home in Trinity Lakes Ph 3, Groveland. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,560 square feet of living space. Listed at $450,000 (about $176/sqft), 59 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $96 monthly.
Experience the benefits of brand-new construction in this beautifully designed Newcastle floor plan, featuring an extended covered lanai that creates the perfect setting for outdoor entertaining or peaceful evenings at home. This thoughtfully crafted residence offers 4 spacious bedrooms, 2.5 bathrooms, and a versatile front flex room ideal for a home office, den, or formal living space. Designed with both style and functionality in mind, the home features soaring 9'4" ceilings on the first floor, elegant tile flooring throughout the main living areas, and window blinds already installed for added convenience. The chef-inspired kitchen is equipped with 42-inch cabinetry, quartz countertops, a designer tile backsplash, stainless steel appliances, and an oversized walk-in pantry. The adjoining dining area overlooks the covered lanai, creating a seamless transition between indoor and outdoor living. The private primary suite serves as a relaxing retreat with a spacious walk-in closet and a luxurious ensuite bath featuring dual adult-height vanities, a glass-enclosed walk-in shower with tiled walls, and premium finishes throughout. Completing the exterior is professionally designed landscaping, a brick paver driveway, and a matching paver walkway that enhances the home's curb appeal. Located in the highly desirable Trinity Lakes community, residents enjoy resort-style amenities including a clubhouse, fitness center, resort-style swimming pool, splash pad, fishing pier, dog park, and multiple playgrounds. Conveniently located near schools, shopping, dining, and major highways, this move-in-ready new construction home offers the perfect combination of modern design, quality craftsmanship, and an exceptional Central Florida lifestyle.
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The essentials
At a glance
Payment
Details
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
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Sample: 287 closed home sales in 34736 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$450,000
$176 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,560 sq ft
Time on market
59 days
Year built
2026
Monthly payment
About $2,891/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,670 annual tax bill, insurance, and the $96/mo HOA fee.
HOA fee
$96/mo
Managed by Leland Management / Morgan Skrabalak.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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