Single Family Residence in LAKE SWATARA RESERVE, EUSTIS · No CDD on record
LAKE SWATARA RESERVE · Eustis, FL 32726 · Lake County
Listing data updated October 12, 2026 at 5:13 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,626Sq Ft
1990Year Built
$232Per Sq Ft
Private pool3-car garageNo CDD on record4 bedrooms
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.
15% above
$/sq ft vs community
$232 here vs $202 median sold (12 mo)
Buyer leverage
Strong buyer advantage
10 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 19020 Lake Swatara Road in Lake Swatara Reserve, Eustis is listed at $610,000 (2,626 sq ft, about $232 per sq ft). It has been 10 days on market. Listing facts: built in 1990, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1990 · 36 yrs
2,626 sq ft of living area
3-car garage
Listed at $610,000 — recent neighborhood median sale price ~$526,500 (nearby sales; deemed reliable, not an appraisal)
10 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Virtually Staged. One of the most coveted and established neighborhoods in the Lake County area, Lake Swatara Reserve offers tranquility and a sense of community. Centrally located and minutes away from shopping, hospitals and local dining, this well maintained pool home offers a pleasant and inviting space for entertaining as well as relaxing.
Surrounded by nature and manicured landscaping, this 4 bedroom, 3 bathroom home is located at the end of the street near the cul de sac. Inside of 2626 square feet of living space, there are multiple doors that transition to the screened in pool and lanai while the gas fireplace in the living room takes care of the few cold winter days experienced in Central Florida. This home features a split plan with a primary bedroom and bath tucked away from the remaining 3 bedrooms that allows for privacy for guests and/or family members.
The 3 car garage has space for storage, a work/tool area, a full bath, as well as a small dedicated office tucked away. With over an acrea of land, the backyard allows room for a garden and/or play area. With Orlando, Ocala, Disney and the beaches all within an hour's drive and downtown Eustis and Mount Dora nearby, this property is definitely one to see!
Description provided by BHHS FLORIDA REALTY and reproduced from the MLS; not independently verified.
Listing courtesy of BHHS FLORIDA REALTY · Listing agent: Kim Bakich · 352-729-7325Provided 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.
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$610,000
Bed / bath4 / 3
Living area2,626 sq ft
Year built1990
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #G5117693
Listing status10 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~149 ft
CountyLake
Area listings1 active · 0 under contract
Estimated first-year tax~$9,325/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$232
Estimated monthly payment$4,470
Insurance (illustrative)$2k–$6k/yr
Messtimate range$375,518 – $551,460
Comparable-sales median$526,500
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
$4,470/mo
Principal & interest $3,379/mo76%
Taxes $777/mo17%
Insurance $314/mo7%
$4,470/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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 $4,300/yr ($358/mo) — taxable value $258,088 × 16.65 mills
$5,025 more each year
(+117%)
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
$128,557
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.
$386,645
Market value
$308,810
Assessed
$258,088
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.
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.
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
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$6k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. 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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~149 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.
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.
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 · Lake Swatara Reserve
Pricing & the Lake Swatara Reserve market
How this home is priced against recent nearby sales, and where Lake Swatara Reserve 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.
Property timeline
This home’s history
1990BuiltPer public record
Sep 16, 2026First seen on movewithmomentum.comObserved at $610,000
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 $610,000Momentum Realty · on market 10 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Sold Jul 2026
$513,000
605 E LAKEVIEW AVENUE, EUSTIS
4 / 2.5 bd/ba · 2,625 sq ft · $195/sq ft
Courtesy of THE WILKINS WAY LLC · View details →
Sold Dec 2025
$375,000
1805 STRATHMORE CIRCLE, MOUNT DORA
4 / 2.5 bd/ba · 2,620 sq ft · $143/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY INC · View details →
Sold Feb 2026
$175,000
19 W PENDLETON AVENUE, EUSTIS
5 / 4 bd/ba · 2,592 sq ft · $68/sq ft
Courtesy of XCELLENCE REALTY INC. · View details →
Sold Apr 2026
$560,000
422 S CENTER STREET, EUSTIS
3 / 2 bd/ba · 2,668 sq ft · $210/sq ft
Courtesy of COLDWELL BANKER VANGUARD EDGE · View details →
Sold Aug 2026
$573,365
32476 SEA LOCH LOOP, MOUNT DORA
4 / 3.5 bd/ba · 2,582 sq ft · $222/sq ft
Courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · View details →
Sold Aug 2026
$540,000
32484 SEA LOCH LOOP, MOUNT DORA
4 / 3.5 bd/ba · 2,582 sq ft · $209/sq ft
Courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · View details →
Median of these 6 sales: $526,500 ($202/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
$375,518the mess$551,460
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $610,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 47% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1990 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈12.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $610,000 ($232/sq ft). The list price is the seller's asking price and is not derived from this range.
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.
Methodology: 2,626 sq ft × $143–$210/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
24/100
Strongest on: Market liquidity (35), Affordability (24)
0 limited50100 exceptional
24/100 is limited 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 area13
This home $232/sq ft vs the community 12-month median $202/sq ft.
Affordability24
List price $610,000 vs the community median $526,500. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Coverage: 3 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 10 days on market for this home, against a 10-day area median.Days on market:this home 10Area median: 10 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 for the period 2006 through 2026. As of September 20, 2026.
🟡 Asking $232 per square foot, about 15% above the community’s $202 median. Lake Swatara Reserve’s 12-month median sold price per square foot is $202. 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.
93% of homes in Lake Swatara Reserve are owner-occupied. An estimated 7% are non-owner-occupied, including 7% held in a company or trust and 7% 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), 15 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Lake Swatara Reserve, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BHHS FLORIDA REALTY · MLS # G5117693
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Keep looking
Similar homes for sale near LAKE SWATARA RESERVE
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Parks Amenities
Lake County approves buying 11 miles of CSX rail corridor for Wekiva Trail extension
Lake County commissioners voted to buy an 11-mile CSX rail corridor to extend the Wekiva Trail from Sorrento toward Mount Dora, Eustis and Leesburg. Property costs exceed $20 million, funded by the Lake Forever bond, an expected Florida Communities Trust grant and other sources. The final purchase agreement waits on the outcome of the November property tax amendment.
Why it matters: A continuous trail linking Sorrento, Mount Dora, Eustis and Leesburg would add recreation and non-car connections across north Lake County. The site is about 7 miles southeast of Lake Swatara Reserve.
Lake County approves rezoning for the Wolf Branch Innovation District near Mount Dora
Lake County approved a rezoning for the Wolf Branch Innovation District, a large mixed-use employment district planned near Mount Dora and State Road 46, clearing the way for a long-term jobs and commercial hub in east Lake County.
Why it matters: A large new employment and mixed-use district near Mount Dora points to long-term job growth in east Lake County, a structural demand driver for housing in the surrounding area. The site is about 5 miles southeast of Lake Swatara Reserve.
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.
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.
School zoningThis address is in the Lake 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.
Items worth confirming for 19020 Lake Swatara Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1990 (36 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.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 2,626 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 $9,325/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,025 more per year than the current owner’s estimated bill (+117%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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 19020 Lake Swatara Road and when was it built?
Per the listing record, 19020 Lake Swatara Road was built in 1990 and has 2,626 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 19020 Lake Swatara Road in?
19020 Lake Swatara Road is in Lake Swatara Reserve in Eustis, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 19020 Lake Swatara Road 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 19020 Lake Swatara Road differ from the current owner's?
The estimate on this page (about $9,325 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,025 more per year than the current owner’s estimated bill (+117%). 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 19020 Lake Swatara Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 19020 LAKE SWATARA ROAD 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.
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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
