listed Nov 9, 2026 Single Family Residence
$535,000
3-Bedroom Pool Home in HOWEY LARGO VISTA MANOR

121 E Cedar Street, Howey In The Hills, FL 34737

Single Family Residence in HOWEY LARGO VISTA MANOR, HOWEY IN THE HILLS
HOWEY LARGO VISTA MANOR · Howey In The Hills, FL 34737 · Lake County
Listing data checked against the MLS November 13, 2026 at 8:27 PM ET · rechecked hourly
3Bedrooms
2.5Bathrooms
2,504Sq Ft
1997Year Built
$214Per Sq Ft
Private pool2-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
20% above
$/sq ft vs community
$214 here vs $178 median sold (12 mo)
Buyer leverage
Buyer advantage
4 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~111 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $535k tops 8 of the last 12 closed sales

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

Highlights

121 E Cedar Street in Howey Largo Vista Manor, Howey In The Hills is listed at $535,000 (2,504 sq ft, about $214 per sq ft). It came to market within the past week. Listing facts: built in 1997, a private pool, no HOA. 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.

  • Built 1997 · 29 yrs
  • 2,504 sq ft of living area
  • 2-car garage
  • Listed at $535,000 — recent neighborhood median sale price ~$447,500 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Lake Views | Screened Pool | .34 Acre | No HOA | Flexible 3/4 Bedroom Floor Plan: Discover the perfect blend of space, comfort, and Florida lifestyle in the charming lakeside community of Howey-in-the-Hills! Situated on an oversized .34-acre lot with beautiful views of Little Lake Harris, part of the renowned Harris Chain of Lakes, this distinctive home offers the space, flexibility, and amenities today's buyers are looking for—all with NO HOA! With more than 2,500 square feet of living space, this 3-bedroom, 2.5-bath home also features a versatile den/office with a Murphy bed that can easily serve as a potential fourth bedroom.

Whether you're looking for room to grow, space for guests, a multigenerational living arrangement, or simply a home with room to work and play, the flexible floor plan offers endless possibilities. Inside, you'll find a welcoming combination of formal and casual living spaces. The formal living and dining rooms create an inviting setting for entertaining, highlighted by a beautiful fireplace.

A separate office with double French doors provides the perfect work-from-home retreat, hobby room, or quiet reading space. The main-floor primary suite offers a relaxing escape with private access to the screened lanai. Its spacious ensuite bathroom features dual vanities, a separate soaking tub, and a walk-in shower.

New flooring throughout adds a fresh, updated feel. Upstairs, a spacious loft provides additional living or gathering space and connects the secondary bedrooms and full bathroom, creating a comfortable separation between the primary suite and additional sleeping areas. Step outside and discover one of the home's most special features: your own screen-enclosed private pool overlooking peaceful lake views!

Imagine starting your mornings with coffee on the lanai, enjoying a refreshing afternoon swim, or hosting friends and family for memorable Florida evenings. With room to relax, entertain, and enjoy the outdoors, this backyard is a wonderful extension of the home's living space. Additional highlights include an oversized, side-entry two-car garage, a separate indoor laundry room with washer and dryer included, and valuable recent improvements: New flooring (2026), Fresh upstairs interior paint (2026), Roof replaced in 2019.

Just steps away, you'll find the nature preserve and lakefront park, where you can enjoy the playground, fishing pier, and public boat ramp. Boating enthusiasts will love having convenient access to the Harris Chain of Lakes and its miles of boating, and fishing. Nearby favorites include the Howey Library, Virginia Pancake House, JB Boondocks, Mission Resort restaurants, golf courses, and local shops and salons.

The Florida Turnpike is minutes away, providing convenient access to Orlando, Orlando International Airport, Walt Disney World, and Universal attractions—all approximately 40 minutes away. Whether you're dreaming of a poolside retreat, room for a growing household, a flexible work-from-home setup, or a home where you can enjoy the boating and outdoor lifestyle Florida is famous for, this property offers something truly special. Spacious living, beautiful lake views, a private pool, a generous homesite, and the freedom of no HOA—all in one of Central Florida's most charming small towns.

Come discover the possibilities and make this special Howey-in-the-Hills home your own!

All 10 photos

121 E Cedar Street, Howey In The Hills FL - photo 6 of 10121 E Cedar Street, Howey In The Hills FL - photo 7 of 10121 E Cedar Street, Howey In The Hills FL - photo 8 of 10121 E Cedar Street, Howey In The Hills FL - photo 9 of 10121 E Cedar Street, Howey In The Hills FL - photo 10 of 10

Description provided by ST. CLAIR REALTY GROUP, LLC and reproduced from the MLS; not independently verified.

Listing courtesy of ST. CLAIR REALTY GROUP, LLC · Listing agent: Tina St. Clair · 352-552-3754Provided 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™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$392,600the mess$550,400

Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales.

Track record: across 2,836 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 9.2% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-13.

Actual list price: $535,000 ($214/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 40% spread on the same house — here is what a model can't see:

  • Condition & updates — a 1997 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • The pool — a private pool carries cost and value the model only sees through the comps.
  • Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • 2 active listings competing
  • ≈12.0 months of supply
  • 1 closed here in the last 12 months
Want a property-specific value 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.

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

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + a local hedonic fit (60 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 13, 2026.

How it stacks up

Comparable recent sales

6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 6 sales: $447,500 ($178/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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$535,000
Bed / bath3 / 2.5
Living area2,504 sq ft
Year built1997
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #G5120028
Listing statuslisted Nov 9, 2026

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~111 ft
CountyLake
Area listings1 active · 0 under contract
Estimated first-year tax~$8,075/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$214
Estimated monthly payment$3,801
Insurance (illustrative)$2k–$4k/yr
Messtimate range$420,672 – $555,888
Comparable-sales median$447,500

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
Financing

Estimated monthly payment

$3,801/mo
  • Principal & interest $2,879/mo 76%
  • Taxes $673/mo 18%
  • Insurance $249/mo 7%

$3,801/mo at 20% down, 30-yr @ 7.11% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$8,075/yr
≈ $673/mo·effective rate ~1.51%
Estimate: asking price less the $50,000 homestead exemption × Lake County rate (16.65 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $6,575/yr ($548/mo) — taxable value $395,570 × 16.65 mills
$1,500 more each year
(+23%)

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

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$3,706
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.
$399,276
Market value
$395,570
Assessed
$395,570
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

What it really costs to own 121 E Cedar Street

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is about $6,575/yr (certified county roll, taxable value × millage). Buy at the asking price of $535,000 and the first-year bill resets to about $8,075/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.65 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA duesThe listing states there is no HOA.
Home and flood insuranceThe average Citizens Property Insurance premium in Lake County is $1,756/yr (3,500 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 1997. An original roof would be about 29 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.

Estimated carrying cost at the asking price, before the mortgage: about $819/month (tax $673, insurance $146). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

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.

CDD assessment
Not reported

The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.

Insurance (illustrative range)
$2k–$4k/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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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
~111 ft

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

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

FEMA National Risk Index for Lake County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingVery Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Internet & broadband — how to check availability for this address
Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Howey Largo Vista Manor Howey In The Hills

Pricing & the Howey Largo Vista Manor Howey In The Hills market

How this home is priced against recent nearby sales, and where Howey Largo Vista Manor Howey In The Hills has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales9247 SAN JOSE BOULEVARD9247 SAN JOSE BOULEVARD: $142/sq ft$142523 BELLISSIMO PLACE523 BELLISSIMO PLACE: $168/sq ft$168203 MESSINA PLACE203 MESSINA PLACE: $177/sq ft$177715 CALABRIA WAY715 CALABRIA WAY: $180/sq ft$180This homeThis home: $214/sq ft$21412917 FLORIDA AVENUE12917 FLORIDA AVENUE: $222/sq ft$222480 AVILA PLACE480 AVILA PLACE: $257/sq ft$257Community median $178
Property timeline

This home’s history

  • 1997BuiltPer public record
  • About Nov 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Nov 9, 2026)
  • Nov 12, 2026First seen on our siteObserved at $535,000
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $535,000ST. CLAIR REALTY GROUP, LLC · listed Nov 9, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

43/100
Strongest on: Flood safety (95), Insurance cost (67)
0 limited50100 exceptional

43/100 is below average 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 area0
This home $214/sq ft vs the community 12-month median $178/sq ft.
Affordability17
List price $535,000 vs the community median $447,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~111 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1997 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).

Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 4 days on market for this home, against a 94-day area median.Days on market:this home 4Area median:  94 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID. As of November 6, 2026.

🟡 Asking $214 per square foot, about 20% above the community’s $178 median. Howey Largo Vista Manor Howey In The Hills’s 12-month median sold price per square foot is $178. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: one of only 1 active listings in Howey Largo Vista Manor Howey In The Hills, no CDD assessment.

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

Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by ST. CLAIR REALTY GROUP, LLC · MLS # G5120028

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Keep looking

Similar homes for sale near HOWEY LARGO VISTA MANOR

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.

Newest listings in HOWEY IN THE HILLS

  • 54 Camino Real Boulevard #504, HOWEY IN THE HILLS · $305,000 · 3 bd / 3.0 ba · listed November 8, 2026 (courtesy of ST. CLAIR REALTY GROUP, LLC)
  • 27321 African Fish Court, HOWEY IN THE HILLS · $314,990 · 4 bd / 2.5 ba · listed November 7, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
  • 24008 Mortimer Way, HOWEY IN THE HILLS · $279,990 · 3 bd / 2.0 ba · listed November 7, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
  • 24012 Mortimer Way, HOWEY IN THE HILLS · $338,990 · 4 bd / 2.5 ba · listed November 7, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
  • 24549 Hodges Reserve Avenue, HOWEY IN THE HILLS · $374,990 · 4 bd / 3.0 ba · listed November 7, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
  • 661 Florida Fern Avenue, HOWEY IN THE HILLS · $451,930 · 4 bd / 3.0 ba · listed November 6, 2026 (courtesy of MERITAGE HOMES OF FL REALTY)

Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings

In the area

Recent Howey Largo Vista Manor news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Parks Amenities

Groveland takes ownership of historic downtown train depot

The city now owns its 101-year-old downtown depot after nearly 20 years of effort and has budgeted $500,000 for a first restoration phase starting in 2027. Long-term plans include an event space, a brick plaza, a downtown gateway and links to nearby trails.

Why it matters: A restored depot and plaza would add a public gathering space and trail connection to downtown Groveland. The project is about 14 miles southwest of Howey Largo Vista Manor, elsewhere in Lake County.

ClickOrlando (WKMG)

Oct 2026 · Civic

Eustis weighs land-use change for waterfront Community Center as second redevelopment offer arrives

The city proposes changing the 601 Northshore Drive Community Center parcel from Public Institution to Commercial Business District, with first-reading hearings set for Nov. 5. A roughly $70 million Aquilo Waterfront District concept with a boutique hotel, residences and restaurants is under review, and the city confirmed a second proposal. No sale or developer selection has been approved.

Why it matters: A commercial designation on the Lake Eustis waterfront could open the door to hotel, dining and housing uses downtown, while any change to Community Center access remains undecided. The project is about 10 miles north of Howey Largo Vista Manor, elsewhere in Lake County.

ClickOrlando (WKMG)

Oct 2026 · Retail Dining

Pinsa Fire plans Roman-style pinsa restaurant on West Main Street in Leesburg

State permit records show Pinsa Fire planning a restaurant at 404 W. Main St., with the owner targeting a spring 2027 opening. It would be the concept's second location, after Clermont, and its first in Lake County's Leesburg.

Why it matters: A new independent restaurant would add a dining option in downtown Leesburg by spring 2027. The project is about 13 miles northwest of Howey Largo Vista Manor, elsewhere in Lake County.

What Now Orlando

Sep 2026 · Development

Lake County approves 2,241-acre Panther Run rezoning for up to 2,624 homes near Clermont

The Lake County Commission voted 3-1 on Sept. 1 to rezone about 2,241 acres in the Wellness Way area, north of Sawgrass Bay Boulevard, for GT Homes. The planned unit development allows up to 2,624 residential units and more than 1 million square feet of non-residential space, with sites reserved for a future public high school and public safety facilities. Plans include extending County Road 455 and about 11 miles of public trails.

Why it matters: The plan adds long-term housing supply, employment space and new connector roads in south Lake County, with infrastructure planned ahead of residential growth. The project is about 20 miles south of Howey Largo Vista Manor, elsewhere in Lake County.

Clermont Sun

Go deeper

More on HOWEY LARGO VISTA MANOR

Go deeper on HOWEY LARGO VISTA MANOR

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 Lake 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.

GRADEB
Astatula ElemAssigned elementary school · Lake County School District · Grade B (Florida DOE 2025-26)
GRADEB
Tavares MiddleAssigned middle school · Lake County School District · Grade B (Florida DOE 2025-26)
GRADEB
Tavares HighAssigned high school · Lake County School District · Grade B (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 121 E Cedar Street, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1997 (29 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • 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 Lake County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
  • Listed living area is 2,504 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 $8,075/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,500 more per year than the current owner’s estimated bill (+23%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordStellar MLS, checked against the MLS hourly (last: November 13, 2026)
Comparable salesStellar MLS closed sales within about 3 miles, last 18 months, as of November 6, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 121 E Cedar Street and when was it built?

Per the listing record, 121 E Cedar Street was built in 1997 and has 2,504 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 121 E Cedar Street in?

121 E Cedar Street is in Howey Largo Vista Manor in Howey In The Hills, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 121 E Cedar Street have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 121 E Cedar Street differ from the current owner's?

The estimate on this page (about $8,075 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,500 more per year than the current owner’s estimated bill (+23%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 121 E Cedar Street 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.

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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.

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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

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.