1949 Heart Lake Drive, Groveland, FL 34736
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 17, 2026, 1949 Heart Lake Drive in Trinity Lakes, Groveland is listed at $294,900 (1,555 sq ft, about $190 per sq ft). It has been 86 days on market. Listing facts: built in 2023, HOA dues of $96/mo, a CDD assessment of about $1,532/yr. 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.
- CDD assessment ~$1,532/yr
- Built 2023 · 3 yrs
- 1,555 sq ft of living area
- 2-car garage
- Listed at $294,900 — recent neighborhood median sale price ~$339,970 (nearby sales; deemed reliable, not an appraisal)
- 86 days on market
- HOA $96/mo (per listing)
About this home
Virtually Staged. Short Sale. Ideal for Families, Active Adults First-Time Buyers, also perfect for downsizing.
The Dover Floor Plan with 3 bedrooms and 2 bathrooms. The open kitchen has a large pantry and overlooks the family room and dining area, making it easier to bring everyone together for meals or family time. The owner suite features an oversized walk in closet and his and her sinks.
A 2-car garage provides convenience as well as additional storage if needed. Beyond the community, outdoor enthusiasts will find no shortage of adventure, with the Green Mountain Scenic Byway and the South Lake Trail offering scenic cycling and walking routes through Central Florida's beautifully hilly landscape, while Lake David Park serves as a beloved local gathering spot offering fishing, picnic areas, playgrounds, and a splash pad, and golfers will appreciate easy proximity to Green Valley Country Club together creating a lifestyle rich in recreation and natural beauty. Within the community itself, residents enjoy an expansive zero-entry swimming pool with splash pad, a state-of-the-art clubhouse and fitness center, a lakeside park with dock and covered wildlife viewing platform, a sports and recreation field, walking trails, a shaded playground, and a dog park delivering a true resort-style living experience every single day.
All 26 photos
Description provided by COOPER HOMEFRONT REALTY and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,633/mo 74%
- Taxes $258/mo 12%
- Insurance $84/mo 4%
- HOA $96/mo 4%
- CDD $128/mo 6%
$2,199/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 1949 Heart Lake Drive
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.
| CDD / special assessments | This listing reports $1,532/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
|---|---|
| HOA dues | $96/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| 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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/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 age | Built in 2023. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
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
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Trinity Lakes Ph market
How this home is priced against recent nearby sales, and where Trinity Lakes Ph 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.
This home’s history
- 2023BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 86 cumulative days on market as of October 17, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $310,000
- Sep 4, 2026Price cut$305,000 (-$5,000, -1.6%)
- Sep 12, 2026Price cut$304,000 (-$1,000, -0.3%)
- Sep 27, 2026Price cut$299,000 (-$5,000, -1.6%)
- Sep 28, 2026Price cut$294,900 (-$4,100, -1.4%)
- NowUnder contractCurrently pending
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.
Price & listing history
Building permits
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: $339,970 ($218/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
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: $294,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 5% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $96/mo and a CDD assessment of about $1,532/yr; 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:
- 18 active listings competing, 5 under contract
- ≈2.9 months of supply
- 52 closed here in the last 12 months
For reference, this home is listed at $294,900 ($190/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,555 sq ft × $214–$225/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 17, 2026.
Momentum Property Score
78/100 is strong 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.
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.
The Momentum read
🟡 Balanced conditions around this listing. 2.9 months of supply in the surrounding market and 86 days on market for this home, against a 41-day area median.Days on market:this home 86Area median: 41 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 %s through %s. As of July 15, 2026.
🟡 Asking $190 per square foot, about 13% below the community’s $218 median. Trinity Lakes Ph’s 12-month median sold price per square foot is $218. 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.
13% of homes in Trinity Lakes Ph are owner-occupied. An estimated 87% are non-owner-occupied, including 59% held in a company or trust and 20% 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), 430 homes matched. Community-level context.
What’s unique here: one of only 14 active listings in Trinity Lakes Ph.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 1949 HEART LAKE 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 COOPER HOMEFRONT REALTY · MLS # G5112745
Request a showing
Similar homes for sale near TRINITY LAKES
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 TRINITY LAKES
- 6943 Wilson Pasture Avenue · $330,000 · 3 bd / 2.0 ba · listed October 14, 2026 (courtesy of CENTURY 21 ALTON CLARK)
- 7028 Rolling Gardens Loop · $655,990 · 5 bd / 3.5 ba · listed October 13, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
- 7252 Rolling Leaf Road · $502,990 · 5 bd / 3.0 ba · listed October 8, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
- 6824 Perch Hammock Loop · $449,990 · 4 bd / 2.5 ba · listed September 28, 2026 (courtesy of WRA BUSINESS & REAL ESTATE)
- 7260 Rolling Leaf Road · $493,990 · 4 bd / 2.5 ba · listed September 18, 2026 (courtesy of RISEWELL HOMES FLORIDA LLC)
Recently off market in TRINITY LAKES
- 7171 Rolling Leaf Road · last listed $449,706 · 2026-10-16
- 7126 Rolling Leaf Road · last listed $479,900 · 2026-10-06
- 1867 Lake Indigo Road · last listed $467,990 · 2026-10-03
- 1883 Church Lake Street · last listed $510,990 · 2026-09-29
- 1879 Church Lake Street · last listed $479,990 · 2026-09-29
- 6836 Perch Hammock Loop · last listed $325,000 · 2026-09-24
Every home on Heart Lake Drive: what is for sale, what sold and when, the homes and the communities along it.
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
More on TRINITY LAKES
Go deeper on TRINITY LAKES
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
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.
See schools in the TRINITY LAKES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 1949 Heart Lake Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $96/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $1,532/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- 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.
- Listed living area is 1,555 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 $3,096/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 17, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of July 15, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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.
Frequently asked questions
How big is 1949 Heart Lake Drive and when was it built?
Per the listing record, 1949 Heart Lake Drive was built in 2023 and has 1,555 sq ft of living area, 3 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 1949 Heart Lake Drive in?
1949 Heart Lake Drive is in Trinity Lakes in Groveland, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1949 Heart Lake Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $96 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $1,532 per year; confirm the exact figure with the county.
Why might property taxes on 1949 Heart Lake Drive differ from the current owner's?
The estimate on this page (about $3,096 per year) assumes reassessment at the list price less the homestead exemption. 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.
Are short-term rentals allowed at 1949 Heart Lake Drive?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 1949 Heart Lake 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.
See 1949 HEART LAKE 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.
Momentum Realty · licensed in FL & GA
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.
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.