The Reserve 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, The Reserve At Hammock Oaks in Lady Lake, FL has 12 homes for sale and 4 pending, asking from $265,000 to $479,990 (median $321,454). Over the 12 months ending 2026-09-20, 17 recorded sales closed at a median of $249,784, $156 per square foot, a median 120 days on market, sellers accepting 83% of original asking. Homes listed or recently sold were built 2025 - 2026 with 28 new construction; 28 of 28 report an HOA (median $135/mo); none of the 28 geocoded homes sit in a FEMA special flood hazard zone (median elevation 78 ft). At the median price and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $4,160 ($3,490 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 The Reserve At Hammock Oaks: 1 new listing (median asking $350,734), 4 under contract right now, 1 closed sale (median $275,000). As of October 15, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in The Reserve At Hammock Oaks
Live MLS inventory for The Reserve 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 · 136 daysTop listing
Active · 231 days
Active · 187 days
Active · 7 days
Active · 66 days
Active · 69 days
Active · 237 days
Active · 161 days
Active · 133 days
Active · 133 days
Active · 233 days
Pending · 259 days
Pending · 243 days
Pending · 194 daysActive and pending The Reserve At Hammock Oaks listings as of 2026-10-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. Tap any home to ask about it.
The Reserve At Hammock Oaks is a small, amenity-heavy deed-restricted community where price is currently doing most of the talking. A median of $242,000 works out to roughly $147.67 a square foot, and with only 18 active listings and a recent closings sample of just 7 transactions, any single sale can swing the read on value. This is not a market where you can point to a tight comp set and call it a day - pricing here has to be built home by home.
With months of supply sitting around 27 and a median time on market near 86 days, this reads as a buyer-leaning setup: inventory is taking a while to clear, and sellers who price on hope rather than condition tend to sit. For buyers, that translates into negotiating room and time to be selective. For sellers, it means the listing has to earn attention through condition and presentation, not just the amenity package.
The Reserve At Hammock Oaks right now
🟢 Buyer-leaning market. 10.5 months of supply and 18% of the inventory already under contract give buyers above-average negotiating leverage.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 (17 active and pending listings, 17 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
The Reserve At Hammock Oaks market snapshot (as of September 20, 2026): the median sale price is about $250K ($156 per sq ft over the trailing 12 months of closed sales), a median 120 days on market for closed sales, and 10.5 months of supply, a buyer-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 34 homes in The Reserve At Hammock Oaks that have changed hands since 2026, built between 2025 and 2026 (median 2025), with a median living area of about 1,840 sq ft and a typical 4-bedroom, 2.5-bath layout; 85% 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 The Reserve At Hammock Oaks: of 20 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.
The Reserve At Hammock Oaks in Lady Lake pairs a deed-restricted, amenity-rich layout with a small, slow-moving resale market - the kind of setup where patience and pricing discipline matter more than speed.
The setting & the homes.
Aerial and on-site photos of The Reserve At Hammock Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
The Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksThe Reserve At Hammock OaksPhotos from Stellar MLS listings in The Reserve At Hammock Oaks; content deemed reliable but not guaranteed.
Who The Reserve At Hammock Oaks is best for.
Best for
- Buyers prioritizing amenity access (pool, courts, trails, clubhouse) over a fast closing timeline
- Buyers comfortable negotiating price and terms in a slower-moving, buyer-leaning market
- Buyers who want a deed-restricted community and are willing to verify HOA terms and current amenity access before writing an offer
Probably not for
- Buyers who need a quick, low-friction close in a competitive-offer environment
- Sellers expecting a fast sale without adjusting price to the current 86-day median timeline
- Buyers relying on a large, tight comp set to validate price - the closings sample here is thin
The Reserve 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 The Reserve At Hammock Oaks
- Playground · reported on 32 of 32 listings
- Pool · reported on 32 of 32 listings
- Pickleball Court(s) · reported on 31 of 32 listings
- Clubhouse · reported on 23 of 32 listings
- Park · reported on 19 of 32 listings
- Tennis Court(s) · reported on 18 of 32 listings
- Basketball Court · reported on 7 of 32 listings
- Trail(s) · reported on 2 of 32 listings
- Deed Restrictions · reported on 1 of 32 listings
- Dog Park · reported on 1 of 32 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 The Reserve 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 The Reserve At Hammock Oaks address.
Shop the zone: Homes zoned for Leesburg High High School
The The Reserve At Hammock Oaks buying strategy.
If we were buying in The Reserve 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 The Reserve At Hammock Oaks.
A Long Supply Runway
Twenty-seven months of supply is the number that defines this community right now. At that pace, the listings on the ground today would take well over two years to absorb at the current sales rate, which puts firm control in buyers' hands on terms, contingencies, and price negotiation. Combined with a median 86 days on market, homes here are not moving fast, and that alone should shape how a seller prices and how a buyer negotiates.
The amenity package - pool, clubhouse, pickleball and tennis courts, playground, dog park, trails, and a basketball court, all under deed restrictions - is substantial for a community this size, and it's a meaningful part of what a buyer is paying for at $147.67 a square foot. With only 18 active listings and a thin closings sample behind the median, buyers should treat published stats as a starting point and verify condition and comps directly rather than assuming a tight, predictable market.
The location and the amenities are priced into every listing in The Reserve 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 small - 18 active listings and a handful of recent closings - the difference between a fair offer and an overpay comes down to knowing which specific homes are priced to the current pace and which are still catching up to it. We track the Reserve's actual absorption and days-on-market trend rather than relying on a stale community-wide average, and we verify amenity access and deed-restriction terms directly with the HOA before a client writes an offer.
The Reserve At Hammock Oaks in 15 seconds.
What it really costs to own in The Reserve 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 $2,769/yr in CDD or special-district assessments on the tax bill (28 listings, MLS, 2026-10-15). 100% of the 28 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 $135/month across 918 MLS listings (most billed annually; 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 20 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 2025 across 28 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in The Reserve 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 The Reserve At Hammock Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works The Reserve At Hammock Oaks will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $135/month (about $1,620/yr) · median of 918 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $135 per month ($1,620 a year) - the median AssociationFee across 918 MLS records, normalised to a monthly figure; most are billed annually. 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 20 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=20) · as of 2026-10
Tools for a The Reserve 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 The Reserve 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 The Reserve 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 The Reserve At Hammock Oaks home worth?
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Recently off market in The Reserve At Hammock Oaks
Homes in The Reserve 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.
- 709 Spartina Way · off market
- 791 Sunshower Drive · off market
- 803 Sunshower Drive · off market
- 819 Sunshower Drive · off market
- 831 Sunshower Drive · off market
- 835 Sunshower Drive · off market
- 883 Sunshower Drive · off market
| Location | Lady Lake, Lake County, FL · ZIP 32159 |
|---|---|
| Home types (current listings and sales) | single-family 86%, townhouses 14% |
| Amenities listed by sellers | Playground, Pool, Pickleball Court(s), Security System, Clubhouse, Park |
| Sale prices, last 12 months | $249,784 median across 17 closed sales · $156 per sq ft |
| Days on market (closed sales) | 120 median |
| For sale right now | 14 active, 3 pending · median asking $321,802 · 10.5 months of supply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. Market figures describe homes, not residents. Cite as: Momentum Realty, “The Reserve At Hammock Oaks key facts,” movewithmomentum.com/neighborhoods/the-reserve-at-hammock-oaks-lady-lake, data as of September 20, 2026.
Housing distress & ownership in The Reserve 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.
Just listed in The Reserve At Hammock Oaks
The newest homes for sale in The Reserve At Hammock Oaks right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 707 Sunshower Drive $350,734 · 4 bd · 3 ba · 1,988 sq ft · 7 days on market Courtesy of MERITAGE HOMES OF FL REALTY
- 795 Sunshower Drive $324,000 · 4 bd · 3 ba · 1,988 sq ft · 66 days on market Courtesy of MERITAGE HOMES OF FL REALTY
- 779 Sunshower Drive $323,604 · 4 bd · 3 ba · 1,988 sq ft · 69 days on market Courtesy of MERITAGE HOMES OF FL REALTY
- 827 Sunshower Drive $299,990 · 4 bd · 2.5 ba · 2,168 sq ft · 133 days on market Courtesy of MERITAGE HOMES OF FL REALTY
- 823 Sunshower Drive $294,000 · 4 bd · 2 ba · 1,840 sq ft · 133 days on market Courtesy of MERITAGE HOMES OF FL REALTY
- 930 Buckeye Drive $479,990 · 4 bd · 3 ba · 2,675 sq ft · 136 days on market Courtesy of NEW HOME STAR FLORIDA LLC
Checked against the MLS Oct 15, 2026. All new listings in this market.
Every Home for Sale in The Reserve At Hammock Oaks Lady Lake Right Now (16)
All 16 active and pending The Reserve At Hammock Oaks Lady Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 823 Sunshower Drive · $294,000 · 4 bd / 2 ba · listed Sep 10, 2026 · listed by Meritage Homes Of Fl Realty
- 707 Sunshower Drive · $350,734 · 4 bd / 3 ba · listed Sep 3, 2026 · listed by Meritage Homes Of Fl Realty
- 795 Sunshower Drive · $324,000 · 4 bd / 3 ba · listed Jul 31, 2026 · listed by Meritage Homes Of Fl Realty
- 779 Sunshower Drive · $323,604 · 4 bd / 3 ba · listed Jul 26, 2026 · listed by Meritage Homes Of Fl Realty
- 827 Sunshower Drive · $299,990 · 4 bd / 2.5 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 930 Buckeye Drive · $479,990 · 4 bd / 3 ba · listed Jul 14, 2026 · listed by New Home Star Florida Llc
- 895 Sunshower Drive · $310,000 · 4 bd / 2.5 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 799 Sunshower Drive · $355,000 · 4 bd / 3 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 787 Sunshower · $375,000 · 5 bd / 3.5 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 811 Sunshower Drive · $294,000 · 4 bd / 2 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 783 Sunshower Drive · $319,304 · 4 bd / 2 ba · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 690 Muhly Way · $225,644 · 2 bd / 2.5 ba · pending · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 847 Sunshower Drive · $285,000 · 3 bd / 2 ba · pending · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 807 Sunshower Drive · $320,000 · 4 bd / 3 ba · pending · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 887 Sunshower Drive · $265,000 · 3 bd / 2 ba · pending · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
- 891 Sunshower Drive · $330,000 · 4 bd / 3 ba · pending · listed Jul 14, 2026 · listed by Meritage Homes Of Fl Realty
Recently sold in The Reserve At Hammock Oaks Lady Lake
- 791 Sunshower Drive · sold $275,000
- 835 Sunshower Drive · sold $249,784
- 819 Sunshower Drive · sold $315,000
- 803 Sunshower Drive · sold $253,800
- 709 Spartina Way · sold $220,000
- 883 Sunshower Drive · sold $276,804
- 831 Sunshower Drive · sold $270,920
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Sunshower Drive (27 homes on record)
25% of homes for sale in The Reserve At Hammock Oaks 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).
The Reserve at Hammock Oaks Market Scorecard
The Reserve at Hammock Oaks is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $321,454, and homes go under contract in about 146 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.
Frequently Asked Questions
What is the median home price in The Reserve At Hammock Oaks?
How long do homes in The Reserve At Hammock Oaks take to sell?
Is The Reserve At Hammock Oaks a buyer's or seller's market right now?
Who is the best real estate agent for The Reserve At Hammock Oaks?
How do I find a top Lady Lake real estate agent who knows The Reserve At Hammock Oaks?
Can Momentum Realty connect me with an agent for The Reserve At Hammock Oaks?
Where is The Reserve At Hammock Oaks, and what county is it in?
Is The Reserve At Hammock Oaks in a flood zone?
Is The Reserve At Hammock Oaks a good place to live?
Should you buy in The Reserve 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 12, 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 2026 (17 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.
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