Reserves At Hammock Oaks
Homes for Sale in Lady Lake, FL
All 184 homes for sale in Lady Lake, FL · median $339,325 · 190 homes for sale in 32159 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Reserves At Hammock Oaks in Lady Lake, FL has 4 homes for sale. Over the 12 months ending 2026-09-20, 37 recorded sales closed at a median of $312,990, $165 per square foot, a median 27 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2025 - 2026 with 14 new construction; 14 of 14 report an HOA (median $134/mo); none of the 14 geocoded homes sit in a FEMA special flood hazard zone (median elevation 72 ft). At the median price and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $5,210 ($4,540 with the full homestead exemption).
Part of the Hammock Oaks master-planned community in Lady Lake, FL — see all Hammock Oaks homes for sale (21 listings across 5 villages and sections in the MLS).
Last 30 days in Reserves At Hammock Oaks: 2 under contract right now, 3 closed sales (median $307,990). As of October 15, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

With only 7 active listings and 2.7 months of supply, Reserves At Hammock Oaks is a tight, seller-leaning market right now. The median price of $312,990 and a median price per square foot of $167.59 suggest this is a community where condition and layout drive the spread more than location within the community - there simply isn't enough inventory for buyers to be picky about finish level.
A median of 26 days on market, against a 31-day closings window, tells you homes here are moving close to pace with recent closings rather than sitting. For sellers, that supports pricing with confidence near the recent median. For buyers, it means a workable offer strategy and quick, informed decisions matter more than waiting out the market.
Reserves At Hammock Oaks right now
🔴 Seller-leaning market. 1.3 months of supply and 50% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Very High (8 active and pending listings, 37 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Reserves At Hammock Oaks market snapshot (as of September 20, 2026): the median sale price is about $313K ($165 per sq ft over the trailing 12 months of closed sales), a median 27 days on market for closed sales, and 1.3 months of supply, a seller-leaning market.
In ZIP 32159 (Lady Lake), 1,681 homes closed in the last 12 months at a median of $360K ($237/sq ft), down 1.8% year over year, with a median 43 days on market. Right now 114 active and 44 pending listings put supply at about 5.4 months - a balanced market. See the live ZIP 32159 housing market and the Lake County market.
Stellar MLS sales records identify 43 homes in Reserves At Hammock Oaks that have changed hands since 2025, built between 2025 and 2026 (median 2025), with a median living area of about 2,110 sq ft and a typical 4-bedroom, 2-bath layout; 95% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Flood zones in Reserves At Hammock Oaks: of 11 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
Reserves At Hammock Oaks in Lady Lake pairs a deed-restricted, amenity-heavy setup with a compact resale market - the kind of inventory environment where a handful of listings can move the numbers month to month.
The setting & the homes.
Aerial and on-site photos of Reserves At Hammock Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Reserves At Hammock Oaks; content deemed reliable but not guaranteed.
Who Reserves At Hammock Oaks is best for.
Best for
- Buyers who want deed-restricted community amenities (pool, courts, fitness center, trails) without a large search
- Buyers prepared to act decisively when a listing near the median price appears, given the short days-on-market pace
- Buyers comfortable evaluating condition and upgrades closely, since per-square-foot value varies with so few comparables
Probably not for
- Buyers who want to tour a wide range of price points and floor plans before narrowing down
- Buyers who prefer a community without HOA deed and fence restrictions governing exterior changes
- Buyers hoping to negotiate from a position of abundant seller competition, given the current low-supply conditions
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($313K) IS the median in the snapshot above.
Windows contain 0 to 37 sales each (37 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Deemed reliable but not guaranteed.
29% of homes for sale in ZIP 32159 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-15).
Reserve at Hammock Oaks Market Scorecard
Reserve at Hammock Oaks is currently a strong seller's market. About 0.9 months of supply, a median asking price of $395,990, and homes go under contract in about 255 days.
Typical home value in the 32159 ZIP is $317,023, about 11.1% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Reserves At Hammock Oaks
Live MLS inventory for Reserves At Hammock Oaks. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Reserves At Hammock Oaks listings as of 2026-10-15, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.
Reserves At Hammock Oaks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Reserves At Hammock Oaks
- Playground · reported on 25 of 25 listings
- Pool · reported on 25 of 25 listings
- Dog Park · reported on 25 of 25 listings
- Pickleball Court(s) · reported on 22 of 25 listings
- Park · reported on 21 of 25 listings
- Clubhouse · reported on 20 of 25 listings
- Community Mailbox · reported on 20 of 25 listings
- Deed Restrictions · reported on 20 of 25 listings
- Fence Restrictions · reported on 18 of 25 listings
- Tennis Court(s) · reported on 18 of 25 listings
- Golf Carts OK · reported on 17 of 25 listings
- Trail(s) · reported on 4 of 25 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Villages Elem of Lady Lake · Elementary
- Carver Middle · Middle
- Leesburg High · High
Zoned schools reflect the assignments reported on recent Reserves At Hammock Oaks listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Reserves At Hammock Oaks address.
Shop the zone: Homes zoned for Leesburg High High School
The Reserves At Hammock Oaks buying strategy.
If we were buying in Reserves At Hammock Oaks today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Reserves At Hammock Oaks.
A Small Market, Fully Amenitized
The amenity list here reads long for a single community: pool, clubhouse, fitness center, tennis and pickleball courts, a dog park, playground, park space, and trails, plus community mailboxes and golf cart access. Deed restrictions and fence restrictions are in place, which typically means a more uniform look to the streetscape and an HOA that's active in governing exterior changes - worth reviewing before you buy.
With just 7 homes active and supply sitting at 2.7 months, this is not a community where you'll find a wide selection to compare side by side at any given time. The median price per square foot near $168 gives a workable benchmark, but with so few comparable sales, condition, upgrades, and lot specifics can swing an individual home's value more than they would in a larger, deeper market.
The location and the amenities are priced into every listing in Reserves At Hammock Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin - 7 active listings and a 26-day median days-on-market - timing and pricing precision matter more than in a high-inventory subdivision. We track this community's listings and closings closely enough to tell you whether a new listing is priced to the recent median or testing above it, and to help you move fast when the right unit appears.
Reserves At Hammock Oaks in 15 seconds.
What it really costs to own in Reserves At Hammock Oaks
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,945/yr in CDD or special-district assessments on the tax bill (16 listings, MLS, 2026-10-15). 100% of the 16 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | Median $134/month across 573 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Lake County is $1,756/yr (3,500 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 12 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2026 across 16 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Reserves At Hammock Oaks
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Reserves At Hammock Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Reserves At Hammock Oaks will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $134/month (about $1,608/yr) · median of 573 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $134 per month ($1,608 a year) - the median AssociationFee across 573 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 12 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=12) · as of 2026-10
Tools for a Reserves At Hammock Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Reserves At Hammock Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Reserves At Hammock Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Reserves At Hammock Oaks home worth?
Get a no-obligation home value based on real comparable sales in Reserves At Hammock Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Lady Lake →
Recently off market in Reserves At Hammock Oaks
Homes in Reserves At Hammock Oaks that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 7 on record.
- 1006 Swamp Chestnut Loop · off market
- 748 Sunshower Drive · off market
- 752 Sunshower Drive · off market
- 760 Sunshower Drive · off market
- 784 Sunshower Drive · off market
- 874 Sunshower Drive · off market
- 883 Shumard Way · off market
| Location | Lady Lake, Lake County, FL · ZIP 32159 |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Dog Park, Playground, Pool, Pickleball Court(s), Clubhouse, Community Mailbox |
| Sale prices, last 12 months | $312,990 median across 37 closed sales · $165 per sq ft |
| Days on market (closed sales) | 27 median |
| For sale right now | 4 active, 4 pending · median asking $405,490 · 1.3 months of supply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Market figures describe homes, not residents. Cite as: Momentum Realty, “Reserves At Hammock Oaks key facts,” movewithmomentum.com/neighborhoods/reserves-at-hammock-oaks-lady-lake, data as of September 20, 2026.
Housing distress & ownership in Reserves At Hammock Oaks, Lady Lake
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Reserves At Hammock Oaks Lady Lake Right Now (2)
All 2 active and pending Reserves At Hammock Oaks Lady Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 934 Sunshower Drive · $361,990 · 4 bd / 2 ba · pending · listed Sep 11, 2026 · listed by Olympus Executive Realty Inc
- 926 Buckeye Drive · $414,990 · 4 bd / 3 ba · pending · listed Jul 16, 2026 · listed by New Home Star Florida Llc
Recently sold in Reserves At Hammock Oaks Lady Lake
- 883 Shumard Way · sold $307,990
- 784 Sunshower Drive · sold $292,990
- 874 Sunshower Drive · sold $309,990
- 748 Sunshower Drive · sold $318,000
- 1006 Swamp Chestnut Loop · sold $322,990
- 760 Sunshower Drive · sold $323,000
- 752 Sunshower Drive · sold $290,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Lady Lake home searches
- All homes for sale in Lady Lake, FL
- Homes for sale in Lake County, FL
- Lady Lake pool homes for sale
- Gated communities in Lady Lake
- Lady Lake golf course homes
- Homes under $300K in Lady Lake
- Homes from $300K to $500K in Lady Lake
- 4-bedroom homes for sale in Lady Lake
- Lady Lake home values: what is my house worth?
- ZIP 32159 housing scorecard
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Sunshower Drive (25 homes on record)
- Sunshower Drive (1 homes on record)
Frequently Asked Questions
What is the median home price in Reserves At Hammock Oaks?
How long do homes in Reserves At Hammock Oaks take to sell?
Is Reserves At Hammock Oaks a buyer's or seller's market right now?
Who is the best real estate agent for Reserves At Hammock Oaks?
How do I find a top Lady Lake real estate agent who knows Reserves At Hammock Oaks?
Can Momentum Realty connect me with an agent for Reserves At Hammock Oaks?
Where is Reserves At Hammock Oaks, and what county is it in?
Is Reserves At Hammock Oaks in a flood zone?
Is Reserves At Hammock Oaks a good place to live?
Should you buy in Reserves At Hammock Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 15, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (37 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Reserves At Hammock Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Reserves At Hammock Oaks with Momentum Realty’s local guides.








