403 Oak Flat Aly, photo 1
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Overview

3 bd3 ba2,001 sqftSingle Family
TypeSingle Family
HOA$65.5/yr
Built2026
Lot3,946 sqft
Living area2,001 sqft
Price / sqft$193

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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
CYPRESS BLUFF PH 1
Type
Single Family Residence

True monthly carry

HOA
~$5/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

Eat-in KitchenHigh CeilingsOpen FloorplanStone CountersThermostatWalk-in Closet(s)Window TreatmentsSidewalk

403 Oak Flat Aly is a 2026-built home in Cypress Bluff Ph 1, Groveland. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,001 square feet of living space. Listed at $386,990 (about $193/sqft), 0 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $65.5 semi-annually.

From the listing

Virtually Staged. Under Construction. Discover coastal charm and modern comfort in the only quick move-in Skye currently available at Cypress Bluff in Groveland. Offering just over 2,000 square feet, three bedrooms, and a two-car rear-entry garage, this thoughtfully designed two-story home creates inviting spaces for everyday living and gathering. The open-concept main floor connects the kitchen, dining, and living areas, with tile flooring throughout the main living spaces. The kitchen features an island, quartz countertops, stainless steel appliances, and a tile backsplash, making everything from weeknight meals to weekend hosting feel effortless. Enjoy morning coffee on the front porch or unwind on the covered side patio. Upstairs, all three bedrooms provide a peaceful retreat, including a spacious primary suite with a large walk-in closet and a primary bath featuring a tile wall surround extending to the ceiling. Included blinds add everyday convenience. At Cypress Bluff, low-maintenance yards leave more time to enjoy the resort-style pool, walking trails along Lake Lucy, playgrounds, and gathering spaces with a fire pit and pavilion. A future Village Center will bring additional shopping and dining opportunities. Explore nearby Lake David Park, Green Valley Country Club, Downtown Clermont, Waterfront Park, and Lake Louisa State Park, with the Florida Turnpike approximately seven minutes away and State Road 50 approximately five minutes away. *Photos shown are virtually staged renderings of another home with the same floor plan and are provided for illustrative purposes only. Actual finishes, features, and appearance of the listed home may vary. Furniture and décor shown are not included.

The essentials

Built
2026
Price / sqft
$193
On market
Today
Annual tax
$3,107
HOA
$65.5/yr
Flood zone
X · Low risk
Lot
3,946 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
3,946 sqft lot
Lot size
2,001 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,475/mo
Down payment (20%)
$77,398
Property taxes
$259/mo
HOA
$65.5/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
3,946 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Alley Access, Garage Door Opener, Garage Faces Rear
Days on Market
0
Eat-in Kitchen
High Ceilings
Open Floorplan
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Deed Restrictions
Irrigation-reclaimed Water
No Truck/Rv/Motorcycle Parking
Park
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Groveland Elem
Middle
Gray Middle
High
South Lake High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,107
Parcel #
01-22-24-0010-000-13800

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
Cypress Bluff Ph 1
County
Lake
MLS Area
34736 - Groveland
Lot Size
3,946 sqft
LevelSidewalkPaved
HOA
$65.5/yr
Empire Management / Oscar Trujillo

Price history

Date
Event
Price
10/15/2026
Listed for sale
Source: Stellar MLS #O6450125
$386,990
$193/sqft

Neighborhood

403 Oak Flat Aly
Groveland, FL, 34736 · 34736 - Groveland

Market insights

Offer Insights

Choose an offer strength

List price: $386,990
$385,000 – $386,990
99.5% – 100% of listTops out right at the list price
80% of listList price
177 of the last 296 home closings in 34736 landed at this number or higher (60%). The median one sat 37 days before it went under contract, and this one just listed today.

Sample: 296 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
$2,476/mo
Principal & interest$2,018
Property taxes$259
Insurance$193
HOA$5
Down payment20% · $77,398
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

$386,990

$193 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,001 sq ft

Time on market

Listed today

Year built

2026

Monthly payment

About $2,475/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,107 annual tax bill, insurance, and the $65.5/yr HOA fee.

HOA fee

$65.5/yr

Managed by Empire Management / Oscar Trujillo.

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 byRISEWELL HOMES FLORIDA LLCListing agent: Stephen WoodListing data from Stellar MLS, MLS# O6450125.

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