1258 Turtle Island Rd, photo 1
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Overview

3 bd2 ba1,509 sqft2 car garageVilla
TypeVilla
HOA$110/mo
Built2027
Lot4,026 sqft
Living area1,509 sqft
Price / sqft$166
Garage2 car

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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

High CeilingsPrimary Bedroom Main FloorSolid Surface CountersStone CountersThermostatWalk-in Closet(s)Dog ParkDishwasher

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.

From the listing

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.

The essentials

Built
2027
Price / sqft
$166
On market
77 days
Annual tax
$0
HOA
$110/mo
Flood zone
X · Low risk
Lot
4,026 sqft
Type
Villa

At a glance

Villa
Built 2027
2 car garage
Driveway
4,026 sqft lot
Lot size
1,509 sqft
Living area
Brand new
Built 2027

Payment

Est. monthly payment
$1,862/mo
Down payment (20%)
$49,998
Property taxes
$0/mo
HOA
$110/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
2027
Lot
4,026 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
77
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Stone Counters
Thermostat
Walk-in Closet(s)
Dog Park
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Villages Elem of Lady Lake
Middle
Carver Middle
High
Leesburg 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 (2026)
$0
Parcel #
19-18-24-0012-000-20100

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
Hammock Oaks Villas
County
Lake
MLS Area
32159 - Lady Lake (The Villages)
Lot Size
4,026 sqft
SidewalkPaved
HOA
$110/mo
RYAN HOMES

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #W7888101
$249,990-9.1%
$166/sqft
7/29/2026
Listed for sale
Source: Stellar MLS #W7888101
$274,990
$182/sqft

Neighborhood

1258 Turtle Island Rd
Lady Lake, FL, 32159 · 32159 - Lady Lake (The Villages)

Market insights

Offer Insights

Choose an offer strength

List price: $249,990
$245,000 – $249,990
97.7% – 100% of listTops out right at the list price
80% of listList price
20 of the last 38 townhouse or villa closings in 32159 landed at this number or higher (53%). The median one sat 28 days before it went under contract, and this one is on day 77 after a $25,000 cut.

Sample: 38 closed townhouse or villa sales in 32159 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,862/mo
Principal & interest$1,304
Property taxes$323
Insurance$125
HOA$110
Down payment20% · $49,998
Interest rate6.80%
Loan term

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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

What should I offer?

Have another question?

Brokered byMALTBIE REALTY GROUPListing agent: Bill MaltbieListing data from Stellar MLS, MLS# W7888101.

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