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Overview

4 bd3 ba2,560 sqft2 car garageSingle Family
TypeSingle Family
HOA$96/mo
Built2026
Lot6,000 sqft
Living area2,560 sqft
Price / sqft$176
Garage2 car

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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

High CeilingsKitchen/Family Room ComboOpen FloorplanSolid Surface CountersThermostatWalk-in Closet(s)SidewalkSprinkler Metered

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$176
On market
59 days
Annual tax
$2,670
HOA
$96/mo
Flood zone
X · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
2 car garage
Driveway
6,000 sqft lot
Lot size
2,560 sqft
Living area

Payment

Est. monthly payment
$2,891/mo
Down payment (20%)
$90,000
Property taxes
$223/mo
HOA
$96/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,000 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
59
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Fitness Center
Irrigation-reclaimed Water
Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$2,670
Parcel #
05-22-25-0101-000-61700

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
Trinity Lakes Ph 3
County
Lake
MLS Area
34736 - Groveland
Lot Size
6,000 sqft
SidewalkPaved
HOA
$96/mo
Leland Management / Morgan Skrabalak

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #O6434546
$450,000-6.2%
$176/sqft
8/12/2026
Listed for sale
Source: Stellar MLS #O6434546
$479,990
$187/sqft

Neighborhood

1863 Church Lake St
Groveland, FL, 34736 · 34736 - Groveland

Market insights

Offer Insights

Choose an offer strength

List price: $450,000
$447,500 – $450,000
99.5% – 100% of listTops out right at the list price
80% of listList price
174 of the last 287 home closings in 34736 landed at this number or higher (61%). The median one sat 38 days before it went under contract, and this one is on day 59 after a $29,990 cut.

Sample: 287 closed home sales in 34736 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,890/mo
Principal & interest$2,347
Property taxes$223
Insurance$225
HOA$96
Down payment20% · $90,000
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 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.

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Gea GomezListing data from Stellar MLS, MLS# O6434546.

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