

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
Open house
Saturday, Oct 17 · 12:00 PM to 3:00 PM
New construction · 2027
Different rules apply when you buy new
Build snapshot
- Build year
- 2027
- Builder
- Ask the team — not on MLS
- Community
- HAMMOCK OAKS VILLAS
- Type
- Villa
True monthly carry
- HOA
- ~$110/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
1258 Turtle Island Rd is a 2027-built home in Hammock Oaks Villas, Lady Lake. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,509 square feet of living space. Listed at $249,990 (about $166/sqft), 77 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 monthly.
Pre-Construction. To be built. No rear neighbor homesite! Welcome to Hammock Oaks Villas in Lady Lake, Florida! Enjoy included exterior maintenance so you can spend your days taking in the Florida sun at the pool and cabana. Take a trip to Lake Griffin State park only 15 minutes away where you can hike, kayak, and fish! Our single-story, open-concept villas are 1,509 square feet and feature three bedrooms, two bathrooms, a two-car garage, and a backyard space, perfect for hosting friends and family. Design your home with ease with your choice of our perfectly coordinated designer interior finishes. The Winterhaven floor plan gives you all the style and comfort you could want all on one level. Your convenient two-car garage opens to the laundry room. Step into the inviting foyer, which leads to either a spacious bedroom or into the wide-open dining area and adjoining gourmet kitchen. A large center island overlooks the welcoming great room and optional lanai. An additional bedroom and full bath offers family and guests a comfortable place to stay. Your luxurious owner’s suite includes a sprawling walk-in closet and a dual vanity master bath. You'll simply love the Winterhaven. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 38 closed townhouse or villa sales in 32159 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes estimated at 1.55% of price a year. 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
$249,990
$166 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,509 sq ft
Time on market
77 days
Year built
2027
Monthly payment
About $1,862/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $110/mo HOA fee.
HOA fee
$110/mo
Managed by RYAN HOMES.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
Offer
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