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Overview

3 bd2 ba1,535 sqftSingle Family
TypeSingle Family
HOA$228/mo
Built2000
Lot6,807 sqft
Living area1,535 sqft
Price / sqft$192

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Window TreatmentsRain GuttersClubhouseCommunity Mailbox

5604 Gulf Stream St is a 2000-built home in Royal Harbor, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,535 square feet of living space. Listed at $295,000 (about $192/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $228 monthly.

From the listing

Welcome to Your Own Slice of Florida Paradise in the Beautiful Gated 55+ Royal Harbor Community! Imagine waking up to peaceful mornings, enjoying your coffee on the screened lanai, surrounded by gorgeous landscaping, mature trees, and a wonderful variety of fruit trees. This meticulously maintained 3-bedroom, 2-bath home offers a beautiful blend of comfort, charm, and the relaxed Florida lifestyle you've been dreaming of. From the moment you arrive, the lush manicured lawn and lovingly tended gardens create a warm welcome. Inside, natural light fills the open living spaces, where elegant arched openings, wood-look laminate flooring, and expansive sliding glass doors create an inviting atmosphere. The spacious kitchen features vaulted ceilings, abundant cabinetry, generous counter space, a pantry, breakfast bar, and cozy dining nook. The primary suite offers private lanai access, a walk-in closet, and an en-suite bath with dual sinks and a tiled shower. Two additional bedrooms provide comfortable space for guests or hobbies. Thoughtful updates include a NEW ROOF (2021), A/C and WATER HEATER (2023), and fresh interior paint. But what makes this home truly special is the lifestyle waiting just beyond your front door! Picture starting your day with a leisurely golf cart ride through beautifully maintained streets, waving hello to neighbors before heading to the clubhouse for a morning fitness class or a friendly game of cards. Spend sunny afternoons relaxing by the Junior Olympic pool, playing pickleball, tennis, or bocce ball, or enjoying a peaceful stroll along the community's scenic walking trails. Perhaps your perfect day includes a creative afternoon in the crafts room, a game of billiards with friends, or simply unwinding in the hot tub. Nestled along the shores of Little Lake Harris and the Harris Chain of Lakes, Royal Harbor offers a wonderful setting where every day can feel like a vacation. With a welcoming clubhouse, fitness center, social activities, and convenient boat and RV storage, there's always something to enjoy. Whether you love staying active, making new friends, or savoring quiet moments surrounded by nature, the choice is yours. Here, life moves at your pace. Enjoy beautiful mornings in your own garden retreat, afternoons filled with possibilities, and relaxing evenings on your screened lanai. Conveniently located near shopping, dining, and Central Florida attractions, this home offers tranquility without sacrificing convenience. More than a home, it's a lifestyle you'll love coming home to. Come discover the charm of Royal Harbor and start enjoying your next chapter in paradise!

The essentials

Built
2000
Price / sqft
$192
On market
6 days
Annual tax
$3,604
HOA
$228/mo
Flood zone
X · Low risk
Lot
6,807 sqft
Type
Single Family Residence

At a glance

Single family
Built 2000
Community pool
Fitness center too
6,807 sqft lot
Lot size
1,535 sqft
Living area

Payment

Est. monthly payment
$2,215/mo
Down payment (20%)
$59,000
Property taxes
$300/mo
HOA
$228/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2000
Lot
6,807 sqft
Cooling
Central Air
Heating
Central, Natural Gas
Parking
Driveway, Garage Door Opener
Days on Market
6
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Rain Gutters
Clubhouse
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
No Truck/Rv/Motorcycle Parking
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Gas Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,604
Parcel #
13-20-25-1800-000-16100

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
Royal Harbor
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
6,807 sqft
City LimitsPavedPrivate
HOA
$228/mo
Leland Management

Price history

Date
Event
Price
10/12/2026
Listed for sale
Source: Stellar MLS #O6450222
$295,000
$192/sqft

Neighborhood

5604 Gulf Stream St
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $295,000
$290,000 – $295,000
98% – 100% of listTops out right at the list price
80% of listList price
118 of the last 235 home closings in 32778 landed at this number or higher (50%). The median one sat 51 days before it went under contract, and this one is on day 6.

Sample: 235 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
$2,214/mo
Principal & interest$1,539
Property taxes$300
Insurance$148
HOA$228
Down payment20% · $59,000
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 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

$295,000

$192 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,535 sq ft

Time on market

6 days

Year built

2000

Monthly payment

About $2,215/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,604 annual tax bill, insurance, and the $228/mo HOA fee.

HOA fee

$228/mo

Managed by Leland Management.

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: Kikzeny CartagenaListing data from Stellar MLS, MLS# O6450222.

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