Manufactured Home in HILLTOP SUB 3, LEESBURG · No CDD on record
HILLTOP SUB 3 · Leesburg, FL 34788 · Lake County
Listing data updated October 12, 2026 at 5:09 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
938Sq Ft
1984Year Built
$213Per Sq Ft
No CDD on recordFEMA 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.
103% above
$/sq ft vs community
$213 here vs $105 median sold (12 mo)
Buyer leverage
Balanced market
60 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~72 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 33514 Luana Court in Hilltop Sub 3, Leesburg is listed at $199,990 (938 sq ft, about $213 per sq ft). That is 105% above Hilltop Sub 3's median closed sale of $97,500 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $105/sq ft by about 103%. It has been 60 days on market. Listing facts: built in 1984, 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.
No CDD assessment on record
Built 1984 · 42 yrs
938 sq ft of living area
Listed at $199,990 — recent neighborhood median sale price ~$97,500 (nearby sales; deemed reliable, not an appraisal)
60 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. Welcome to Leesburg, Florida! This remodeled 3-bedroom, 2-bath manufactured home offers an affordable path to homeownership with NO HOA and NO LOT RENT — you own both the home and the land.
This Home recently Appraised for $200,000 with an FHA appraiser. Buyers will gain a nice home with equity! Buyers will find that this is the lowest priced move-in ready home in the area.
Seller welcomes homebuyers with FHA loans, Veterans Loans, and Conventional loans! Inside, you’ll find a spacious open floor plan with a living room/dining room combination, new vinyl flooring, fresh interior paint, new window treatments, and new stainless steel appliances. The laundry closet includes a NEW washer and dryer, and major updates include 2 NEW mini-split AC units and a NEW water heater.
The home sits on well water and septic and features a fenced backyard with extra outdoor space—perfect for a garden, playground, chicken coop, or your own creative use. The metal roof and surrounding dirt road give the property a charming country feel while still being just about 6 minutes from Lake Square Mall, movie theaters, grocery stores, shopping, and restaurants. Zoned for Treadway Elementary, Tavares Middle, and Tavares High School.
Affordable, updated, and move-in ready—call today!
All 6 photos
Description provided by REALTY HUB and reproduced from the MLS; not independently verified.
Listing courtesy of REALTY HUB · Listing agent: James Sparkman · 407-900-1001Provided 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$199,990
Bed / bath3 / 2
Living area938 sq ft
Year built1984
Property typeManufactured Home
MLS #O6406564
Listing status60 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~72 ft
CountyLake
Area listings1 active · 1 under contract
Estimated first-year tax~$2,500/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$213
Estimated monthly payment$1,425
Insurance (illustrative)$1k–$2k/yr
Messtimate range$86,296 – $126,630
Comparable-sales median$97,500
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
$1,425/mo
Principal & interest $1,108/mo78%
Taxes $208/mo15%
Insurance $108/mo8%
$1,425/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 $900/yr ($75/mo) — taxable value $53,818 × 16.65 mills
$1,600 more each year
(+178%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$53,818
Market value
$53,818
Assessed
$53,818
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)
$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
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
~72 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 · Hilltop Sub 3
Pricing & the Hilltop Sub 3 market
How this home is priced against recent nearby sales, and where Hilltop Sub 3 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 vs. size in Hilltop Sub 3
Each dot is a closed sale since 2014 (48 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2016–2025. This home lists at $213/sq ft.
Median sale price by year
12-month median closed price, 2016–2025.
Property timeline
This home’s history
1984BuiltPer public record
Jul 10, 2026First seen on movewithmomentum.comObserved at $164,900
Aug 4, 2026Price increase$189,990 (+$25,090, +15.2%)
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 $199,990Momentum Realty · on market 60 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
$89,000
170 PARADISE NORTH, LEESBURG
2 / 2 bd/ba · 935 sq ft · $95/sq ft
Courtesy of WEICHERT, REALTORS-HALLMARK PR · View details →
Sold Jul 2026
$70,000
278 KELOU COURT, LEESBURG
2 / 2 bd/ba · 920 sq ft · $76/sq ft
Courtesy of BHHS FLORIDA REALTY · View details →
Sold Oct 2025
$123,500
11905 LINDA AVENUE, TAVARES
2 / 2 bd/ba · 916 sq ft · $135/sq ft
Courtesy of CARLINO REAL ESTATE GROUP INC · View details →
Sold Feb 2026
$175,000
2910 WEKIVA ROAD, TAVARES
2 / 2 bd/ba · 960 sq ft · $182/sq ft
Courtesy of HOUWZER INC · View details →
Sold May 2026
$105,000
1123 FOREST LANE, TAVARES
2 / 2 bd/ba · 912 sq ft · $115/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Apr 2026
$90,000
12315 US HIGHWAY 441 #LOT 11, TAVARES
2 / 1 bd/ba · 973 sq ft · $92/sq ft
Courtesy of LPT REALTY, LLC · View details →
Median of these 6 sales: $97,500 ($105/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.
$86,296the mess$126,630
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: $199,990 — 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 1984 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.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 1 under contract
≈3.0 months of supply
3 closed here in the last 12 months
For reference, this home is listed at $199,990 ($213/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: 938 sq ft × $92–$135/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
43/100
Strongest on: Flood safety (95), Market liquidity (62)
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 $213/sq ft vs the community 12-month median $105/sq ft.
Affordability0
List price $199,990 vs the community median $97,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~72 ft elevation. Verify the parcel with FEMA.
Insurance cost58
From FEMA Zone X and a 1984 build. Obtain a property-specific quote.
Market liquidity62
Community inventory, ~3.0 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
🟡 Balanced conditions around this listing. 3.0 months of supply in the surrounding market and 60 days on market for this home, against a 67-day area median.Days on market:this home 60Area median: 67 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 2014 through 2026. As of September 20, 2026.
🟡 Asking $213 per square foot, about 103% above the community’s $105 median. Hilltop Sub 3’s 12-month median sold price per square foot is $105. Confidence: Low · 1 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.
41% of homes in Hilltop Sub 3 are owner-occupied. An estimated 59% are non-owner-occupied, including 6% held in a company or trust and 12% 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), 16 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Hilltop Sub 3, 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 REALTY HUB · MLS # O6406564
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Keep looking
Similar homes for sale near HILLTOP SUB 3
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.
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 27 miles south of Hilltop Sub 3, elsewhere in Lake County.
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 project is about 12 miles east of Hilltop Sub 3, elsewhere in Lake County.
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 9 miles east of Hilltop Sub 3.
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 33514 Luana Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1984 (42 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.
Listed living area is 938 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 $2,500/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,600 more per year than the current owner’s estimated bill (+178%). 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
FEMA flood maps + USGS elevation (Zone X shown above)
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 33514 Luana Court and when was it built?
Per the listing record, 33514 Luana Court was built in 1984 and has 938 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 33514 Luana Court in?
33514 Luana Court is in Hilltop Sub 3 in Leesburg, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 33514 Luana Court 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 33514 Luana Court differ from the current owner's?
The estimate on this page (about $2,500 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,600 more per year than the current owner’s estimated bill (+178%). 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 33514 Luana Court 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 33514 LUANA COURT 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.
