4531 Treasure Cay Rd, photo 1
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Overview

3 bd2 ba1,649 sqft2 car garageSingle Family
TypeSingle Family
HOA$70/mo
Built2005
Lot9,351 sqft
Living area1,649 sqft
Price / sqft$170
Garage2 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsSplit BedroomWalk-in Closet(s)Rain Gutters

4531 Treasure Cay Rd is a 2005-built home in Tavares Groves At Baytree Ph 02 Lt 71 Pb, Tavares. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,649 square feet of living space. Listed at $279,900 (about $170/sqft), 50 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 monthly.

From the listing

Short Sale. Subject to lender approval of short sale. Cash or hard money finance offers only. This 3/2/2 has 1649 living square feet with a 2018 Solar system and Solar water heater. A/C and Electric Panel was replaced in 2022, but roof is original from 2005. Kitchen has wood cabinets, stainless steel appliances, granite counters with bar seating, a desk area and a glass surrounded dining area. The large living area has a cathedral ceiling with bumped up ceiling over the entry, scraped wood laminate floors, an additional dining area if desired and glass doors to a vinyl enclosed Florida room. Split plan for added privacy between primary suite and the 2nd & 3rd bedrooms. Primary has an ensuite bathroom with tiled shower, double sink cultured marble counter and an 8' x 10' 9" walk in closet. This corner lot has a privacy vinyl fenced back yard, a concrete decorated driveway and a screened front entry area. This is in “America's Seaplane City” and close to Leesburg, Mount Dora and Eustis with Disney just an hour away. Community features a pool, gym and racquetball courts.

The essentials

Built
2005
Price / sqft
$170
On market
50 days
Annual tax
$4,180
HOA
$70/mo
Flood zone
X · Low risk
Lot
9,351 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Shared amenity
2 car garage
9,351 sqft lot
Lot size
1,649 sqft
Living area

Payment

Est. monthly payment
$2,018/mo
Down payment (20%)
$55,980
Property taxes
$348/mo
HOA
$70/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
9,351 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
50
Cathedral Ceiling(s)
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Walk-in Closet(s)
Rain Gutters
Sidewalk
Deed Restrictions
Pool
Racquetball
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Water Filtration System
Elementary
Tavares Elem
Middle
Tavares Middle
High
Tavares High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,180
Parcel #
25-19-25-0181-000-10900

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
Tavares Groves At Baytree Ph 02 Lt 71 Pb
County
Lake
MLS Area
32778 - Tavares / Deer Island
Lot Size
9,351 sqft
HOA
$70/mo
Leland Management Lifestyle/Stephanie Mallary

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #OM731044
$279,900-6.7%
$170/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #OM731044
$299,900
$182/sqft

Neighborhood

4531 Treasure Cay Rd
Tavares, FL, 32778 · 32778 - Tavares / Deer Island

Market insights

Offer Insights

Choose an offer strength

List price: $279,900
$275,000 – $279,900
97.8% – 100% of listTops out right at the list price
80% of listList price
113 of the last 225 home closings in 32778 landed at this number or higher (50%). The median one sat 50 days before it went under contract, and this one is on day 50 after a $20,000 cut.

Sample: 225 closed home sales in 32778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,018/mo
Principal & interest$1,460
Property taxes$348
Insurance$140
HOA$70
Down payment20% · $55,980
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

$279,900

$170 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,649 sq ft

Time on market

50 days

Year built

2005

Monthly payment

About $2,018/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,180 annual tax bill, insurance, and the $70/mo HOA fee.

HOA fee

$70/mo

Managed by Leland Management Lifestyle/Stephanie Mallary.

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?

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Brokered byPREFERRED PROPERTIES OF CEN/FLListing agent: Mark DacontaListing data from Stellar MLS, MLS# OM731044.

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