2 bedroom Single Family Residence at 117 ROSEWOOD DRIVE, TOMOKA HEIGHTS SEC 09, LAKE PLACID — photo 1Front elevation
60 days on market Single Family Residence
$324,900
2-Bedroom Home in TOMOKA HEIGHTS SEC 09

117 ROSEWOOD DRIVE, LAKE PLACID, FL 33852

Single Family Residence in TOMOKA HEIGHTS SEC 09, LAKE PLACID · No CDD
TOMOKA HEIGHTS SEC 09 · LAKE PLACID, FL 33852 · Highlands
Listing data updated September 6, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,633Sq Ft
2006Year Built
$199Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$199 here vs $202 median sold (12 mo)
Buyer leverage
Balanced market
60 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~99 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 6, 2026, 117 Rosewood Drive in Tomoka Heights Sec 09, Lake Placid is listed at $324,900 (1,633 sq ft, about $199 per sq ft). That sits within a few percent of Tomoka Heights Sec 09's median closed sale of $317,500 over the last 12 months (6 recorded sales). It has been 60 days on market. Listing facts: built in 2006, HOA dues of $155/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2006 · 20 yrs
  • 1,633 sq ft of living area
  • 2-car garage
  • 60 days on market
  • HOA $155/mo (per listing)
Momentum Research · ORANGE BLOSSOM ESTATE

Pricing & the ORANGE BLOSSOM ESTATE market

How this home is priced against recent nearby sales, and where ORANGE BLOSSOM ESTATE has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

Price vs. size in ORANGE BLOSSOM ESTATE

Each dot is a closed sale since 2017 (33 total). This home is the gold marker.

$32k$374k$716k8022,9085,013This home: $324,900, 1,633 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2022–2026. This home lists at $199/sq ft.

$150$185$2202022: $15720222024: $21320242025: $17020252026: $2022026

Median sale price by year

12-month median closed price, 2022–2026.

$283k$302k$321k2022: $315k20222024: $287k20242025: $287k20252026: $318k2026
Property timeline

This home’s history

  • 2006BuiltPer public record
  • Jul 10, 2026First trackedObserved at $324,900
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$2,249/mo
  • Principal & interest $1,679/mo 75%
  • Taxes $284/mo 13%
  • Insurance $131/mo 6%
  • HOA $155/mo 7%

$2,249/mo at 20% down, 30-yr @ 6.71% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$4,600/yr
$383/mo·effective rate ~1.42%
Estimated from today’s asking price and current Highlands County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $1,975/yr ($165/mo)
+$2,625 more each year
(+133%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$146,010
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$264,936
Market value
$169,648
Assessed
$118,926
Taxable
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Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

61/100
Strongest on: Flood safety (95), Insurance cost (73)
0 limited50100 exceptional

61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area54
This home $199/sq ft vs the community 12-month median $202/sq ft.
Affordability46
List price $324,900 vs the community median $317,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~99 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity50
Community median 62 days on market (12-month record).
Renovation upside42
From a 2006 build and $199/sq ft vs the community median $202/sq ft. Not a condition assessment.
Buyer competition62
38% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power68
Recent sales closed at about 94.5% of original asking (~5.5% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $199 per square foot, about in line with the community’s $202 median. ORANGE BLOSSOM ESTATE’s 12-month median sold price per square foot is $202. Median sold price per square foot is up 10.6% year over year. Confidence: Low · 6 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

36% of homes in ORANGE BLOSSOM ESTATE are owner-occupied. An estimated 64% are non-owner-occupied, including 15% held in a company or trust and 15% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 562 homes matched. Community-level context.

Recent ORANGE BLOSSOM ESTATE sales closed near 94.5% of original asking. Cash paid for about 38% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 265 active listings in ORANGE BLOSSOM ESTATE, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Under contract-accepting backup offers. Welcome to this beautifully upgraded residence where timeless style and modern comfort come together seamlessly. Super high ceilings and an open concept design create a bright, inviting atmosphere ideal for both everyday living and effortless entertaining.

At the heart of the home, the thoughtfully designed kitchen impresses with 42 in cabinetry accented by crown molding, granite countertops, GE slate appliances, and a huge center island that serves as the perfect gathering space for family and friends. Recent enhancements provide exceptional value and peace of mind, including wood look ceramic tile flooring throughout, fresh interior and exterior paint, a Brand New Roof (January 2026), and an upgraded garage door system featuring smartphone connectivity and an integrated camera. The desirable split bedroom floor plan offers privacy and comfort for both owners and guests.

The spacious primary suite features an oversized walk in closet and a well-appointed en suite bath complete with dual vanities, a walk in shower, and a comfort height toilet. On the opposite side of the home, guests will enjoy a private bedroom and adjacent full bath. Situated within Tomoka Heights, a vibrant waterfront community rich in amenities, residents enjoy access to a clubhouse, resort-style pool and spa, pickleball / tennis courts, a waterfront park and pavilion, as well as a private boat ramp and docks, perfect for embracing the Florida lakes lifestyle!

Ideally located in Central Florida's renowned lakes region, the area offers access to more than 50 lakes celebrated for exceptional bass fishing, along with nearby golf courses and year round outdoor recreation. Orlando's world famous attractions and four international airports are within approximately two hours, while both the Gulf and Atlantic Coast beaches can be reached in about 90 minutes. This exceptional home offers the perfect combination of comfort, convenience, and Florida lifestyle living.

Schedule your private showing today.

Description provided by KELLER WILLIAMS REALTY SMART and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$324,900
Bed / bath2 / 2
Living area1,633 sq ft
Year built2006
Property typeSingle Family Residence
Garage2-car
MLS #L4962902
Listing status60 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~99 ft
Windstorm exposureLow
CountyHighlands
Area listings265 active · 46 under contract
Estimated first-year tax~$3,411/yr
CDD assessmentNone on record
HOA (per listing)$155/mo

Calculated estimates

Price per sq ft$199
Estimated monthly payment$2,249
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$317,500

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of KELLER WILLIAMS REALTY SMART · Listing agent: Ben Becton · 863-577-1234Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$290,674the mess$369,058

Actual list price: $324,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — this home carries HOA dues of $155/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 60 days on market vs. a 62-day community median
  • 280 active listings competing, 32 under contract

For reference, this home is listed at $324,900 ($199/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,633 sq ft × $178–$226/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.

Keep looking

Similar homes for sale near TOMOKA HEIGHTS SEC 09

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $324,900Momentum Realty · on market 60 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,411/yr

A rough first-year estimate only, applying a typical Highlands rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$155/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~99 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 117 ROSEWOOD DRIVE?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by KELLER WILLIAMS REALTY SMART · MLS # L4962902

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in TOMOKA HEIGHTS SEC 09

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the TOMOKA HEIGHTS SEC 09 neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$317,500

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$202

Canonical 12-month median $/sq ft. Reference only.

Go deeper on TOMOKA HEIGHTS SEC 09

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Highlands County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Highlands County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,489 – $2,166/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$804 – −$195At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 117 Rosewood Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $155/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Highlands County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,633 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $3,411/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • Confirm school zoning directly with the district.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 6, 2026)
Community market statsStellar MLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 117 Rosewood Drive and when was it built?

Per the listing record, 117 Rosewood Drive was built in 2006 and has 1,633 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 117 Rosewood Drive in?

117 Rosewood Drive is in Tomoka Heights Sec 09 in Lake Placid, Highlands County. The community section on this page shows recent closed sales, days on market, and active inventory for Tomoka Heights Sec 09 from the same MLS data.

Does 117 Rosewood Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $155 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 117 Rosewood Drive differ from the current owner's?

The estimate on this page (about $3,411 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 117 Rosewood Drive in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 117 ROSEWOOD DRIVE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.