Steeve Cadeau
$389,9002 bd2 ba1,925 sqft$203 /sqft$3,015 /mo all-in ↓

3354 SAINT LUCIA COURT, TAVARES, FL, 32778

Active43 days on marketListed Jun 30, 2026MLS #G5114430

Single Family ResidenceROYAL HARBOR

About this home

3354 SAINT LUCIA COURT

Nestled on a quiet cul-de-sac with beautiful views overlooking peaceful Lake Laemont, this thoughtfully designed, impeccably maintained home is ready for you to move right in and enjoy all that this beautiful home and exceptional community have to offer. Located in the gated 55+ waterfront community of Royal Harbor on Little Lake Harris, part of the renowned Harris Chain of Lakes, this home overlooks Lake Laemont, a private interior lake within the community, where a graceful fountain, colorful sunsets, and frequent visits from Egrets, Ibis, and other native birds create a beautiful backdrop for everyday living. Featuring 2 Bedrooms, 2 Baths, and a private Den/Office with French Doors, this desirable Split Bedroom floor plan is filled with natural light. Volume Ceilings, abundant windows, Plantation Shutters throughout, and soft neutral décor create a bright, welcoming atmosphere from the moment you enter. The spacious Living Room opens through sliding glass doors to the expansive screened Florida Room with vinyl windows, allowing you to enjoy the fresh Florida breeze, or easily enclose the space for added comfort during changing weather, while still taking in the lovely views. Just beyond, a Paver Patio provides the perfect place to grill, relax, entertain, or simply unwind at the end of the day. The beautifully updated Kitchen features Quartz Countertops, quality appliances, a convenient Breakfast Bar, and a Solar Tube that fills the room with natural light. The adjoining Breakfast Nook, surrounded by windows, is the perfect place to begin your day while enjoying the view. The Primary Suite also overlooks Lake Laemont and features new carpet along with an updated En-Suite Bath offering Quartz Countertops, dual sinks, a beautifully renovated Walk-In Shower, and a jetted Garden Tub. The Guest Bedroom also features new carpet. Rich Armstrong laminate flooring extends throughout most living areas, while tile enhances the Florida Room and Baths. Beautiful mature Oaks, colorful landscaping, and specimen plantings surround the home, while a Paver Walkway encircles the property. Recent improvements include Impact-Rated Argon Gas Windows (2022), Roof (2020), and A/C (2017). New in 2026: Interior professionally repainted in soft designer colors, Exterior Trim repainted, New Bedroom Carpet, extensive Landscape enhancements, Painted Garage Walls and Floor, widened Driveway with additional Pavers, and beautiful Built-In Dining Room Storage Closets. Royal Harbor residents enjoy a Resort-Style Clubhouse, Heated Pool & Spa, Fitness Center, Social Hall, Library, Craft Room, Billiards, Tennis, Pickleball, Shuffleboard, Bocce, Community Dock, Walking & Biking Paths, Community Garden, RV & Boat Storage, and an active calendar of clubs, activities, and social events. Whether you’re seeking an active Florida lifestyle or a peaceful place to call home, you’ll discover why so many are proud to call Royal Harbor home.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,925

Sqft

0.22 ac

Lot size

2

Garage

2000

Year built

One

Levels

$203

Per sqft

Water view55+ communityPets allowed

Inside

FlooringLaminate · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Gas Water Heater · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$228/mo
Taxes (2025)$1,914/yr
PetsYes
CommunityDock · Fishing · Lake · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Park · Pool · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,015 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property tax — 2025 actual bill$160
HOA fee — from the listing$228
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,647Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,647
Interest rate6.00%
Loan term

Estimated payment

$3,015/mo

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$160
HOA / condo fee$228
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Tavares actives

$203 vs $193

Days on market

43 vs 52 typical

Where $203/sqft sits among the 239 Tavares actives

49
87
41 · this home
30
14
18
$122–161$161–200$200–238$238–277$277–316$316+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Tavares

Map of 3354 SAINT LUCIA COURT

Drive times from this address

Downtown Orlando47 min
Universal Orlando50 min
Walt Disney World57 min
Orlando Int’l Airport (MCO)61 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tavares. See the full Tavares guide →

TAVARES 32778 — neighborhood snapshot

Population

25,099

Median age

53.8

Median income

$61,815

Median home value

$241,500

Avg household

2.16

Households w/ children

2,209

For the school run

Lake County School District

HighTavares High School★★★★★
ElementaryTavares Elementary School★★★★★
MiddleTavares Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tavares market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$318K$310K

Tavares median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

117 of 239

Tavares actives have cut their price

Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 20% above the TAVARES 32778 median. See the full Tavares market guide →

Paper trail

This home's history

Jun 30, 2026Listed at $389,900 · 43 days on market since
2000Built · ROYAL HARBOR

Reality check

What actually sold near 3354 SAINT LUCIA COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3354 SAINT LUCIA COURTSold · Oct ’25

$350,000

3354 SAINT LUCIA COURT · same community

2 bd · 2 ba · 1,925 sqft · $182/sqft · 34 DOM

3001 LAKE HURON LANESold · Mar ’26

$325,000

3001 LAKE HURON LANE · same community

3 bd · 2 ba · 1,920 sqft · $169/sqft · 275 DOM

5366 INDIAN OCEAN LOOPSold · Aug ’26

$371,500

5366 INDIAN OCEAN LOOP · same community

3 bd · 2 ba · 1,844 sqft · $201/sqft · 15 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3354 SAINT LUCIA COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3354 SAINT LUCIA COURT — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3354 SAINT LUCIA COURT FAQs

What would the monthly payment be for 3354 SAINT LUCIA COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,015/mo — principal and interest, the actual property-tax bill, the $228/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 3354 SAINT LUCIA COURT?+

The association fee works out to $228 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3354 SAINT LUCIA COURT?+

The most recent tax bill on record (2025) was $1,914. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3354 SAINT LUCIA COURT?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Tavares?+

At $389,900, this home is listed about 16% above the Tavares median of $337,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3354 SAINT LUCIA COURT?+

Tavares High School (high), Tavares Elementary School (elementary), Tavares Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of BHHS FLORIDA REALTY · Catherine Landry-Sonstegard. MLS #G5114430.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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3354 SAINT LUCIA COURT, TAVARES, FL — 2 Bed, 2 Bath — $389,900 | CENTURY 21 Edge