6116 Armada St, photo 1
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Overview

3 bd2 ba1,800 sqft2 car garageSingle Family
TypeSingle Family
HOA$233/mo
Built2005
Lot6,096 sqft
Living area1,800 sqft
Price / sqft$181
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Wood CabinetsStone Counters

6116 Armada St is a 2005-built home in Royal Harbor Ph 02, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,800 square feet of living space. Listed at $324,900 (about $181/sqft), 120 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $233 monthly.

From the listing

PRICE UPDATE! Brand new roof! Welcome to this beautifully appointed 3-bedroom, 2-bath home in the highly desirable waterfront 55+ community of Royal Harbor, nestled among the scenic Harris Chain of Lakes. With attractive landscaping, mature oak trees, and exceptional curb appeal, this meticulously maintained home offers comfort, style, and the Florida lifestyle you’ve been dreaming of. Step inside to an inviting open floor plan filled with abundant natural light and tasteful upgrades throughout. Features include neutral laminate wood flooring, elegant tile in the kitchen and bathrooms, vaulted ceilings with crown molding, plantation shutters, and stunning granite countertops that add both beauty and function. Enter through the screened breezeway and you’ll find a dedicated laundry room (new W/D) to the right with access to the spacious two-car garage, complete with a finished floor, insulated garage door, and retractable screen. To the left, the generously sized kitchen is designed for both everyday living and entertaining, featuring a gas range, large pantry, cozy breakfast nook with bay windows, and an eat-in bar for casual dining. The dining area flows seamlessly into the spacious family room, which opens to a 16x9 bonus room and a screened 17.5x10 birdcage patio—the perfect bug-free retreat to enjoy your own slice of Florida paradise with morning coffee or evening cocktails. This thoughtfully designed split floor plan offers privacy and flexibility. Two guest bedrooms are located at the front of the home and share a full bath; one includes built-in storage and a walk-in closet, making it ideal as a home office, hobby room, or craft space. Privately situated at the rear of the home, the spacious primary suite features a large walk-in closet and an ensuite bath with double vanity and walk-in shower. For added peace of mind, the seller is offering a home warranty to the buyer, making this move-in-ready home an even more attractive opportunity. Residents of Royal Harbor enjoy an active resort-style lifestyle with exceptional HOA amenities including a fitness center, billiards room, arts and crafts studio, library, card room, resort-style pool and spa, and a vibrant calendar of community activities. Come experience the perfect blend of low-maintenance living, modern comfort, and waterfront community charm.

The essentials

Built
2005
Price / sqft
$181
On market
120 days
Annual tax
$4,336
HOA
$233/mo
Flood zone
X · Low risk
Lot
6,096 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Fitness center too
2 car garage
Driveway
6,096 sqft lot
Lot size
1,800 sqft
Living area

Payment

Est. monthly payment
$2,451/mo
Down payment (20%)
$64,980
Property taxes
$361/mo
HOA
$233/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
6,096 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Driveway
Days on Market
120
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Association Recreation - Owned
Buyer Approval Required
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Handicap Modified
Irrigation-reclaimed Water
Park
Pool
Tennis Court(s)
Street Lights
Built-in Oven
Dishwasher
Dryer
Gas Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,336
Parcel #
13-20-25-1805-000-19300

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 Ph 02
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
6,096 sqft
HOA
$233/mo
Leland Management

Price history

Date
Event
Price
9/1/2026
Price change
Source: Stellar MLS #OM727002
$324,900-1.5%
$181/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #OM727002
$330,000
$183/sqft

Neighborhood

6116 Armada St
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $324,900
$317,500 – $324,900
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 120 after a $5,100 cut.

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
$2,451/mo
Principal & interest$1,694
Property taxes$361
Insurance$162
HOA$233
Down payment20% · $64,980
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 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

$324,900

$181 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,800 sq ft

Time on market

120 days

Year built

2005

Monthly payment

About $2,451/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,336 annual tax bill, insurance, and the $233/mo HOA fee.

HOA fee

$233/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: Arial HarringtonListing data from Stellar MLS, MLS# OM727002.

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