3654 HIDDEN RIVER LANE, TAVARES, FL 32778
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 11, 2026, 3654 Hidden River Lane in Hidden River Lakes, Tavares is listed at $2,199,000 (4,071 sq ft, about $540 per sq ft). That is 198% above Hidden River Lakes's median closed sale of $737,000 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $335/sq ft by about 61%. It has been 96 days on market. Listing facts: new construction, a private pool, waterfront, HOA dues of $106/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- New construction — built 2027
- 4,071 sq ft of living area
- 3-car garage
- 96 days on market
- HOA $106/mo (per listing)
This home’s history
- 2027BuiltPer public record
- Jul 2, 2026First trackedObserved at $2,199,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $11,363/mo 81%
- Taxes $1,924/mo 14%
- Insurance $562/mo 4%
- HOA $106/mo 1%
$13,955/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
47/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.0 months of supply in the surrounding market and 96 days on market for this home, against a 85-day area median.Days on market:this home 96Area median: 85 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 2023 through 2026. As of August 2, 2026.
🟡 Asking $540 per square foot, about 61% above the community’s $335 median. HIDDEN RIVER LAKES’s 12-month median sold price per square foot is $335. Median sold price per square foot is down 37.5% year over year. Confidence: Low · 4 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.
32% of homes in HIDDEN RIVER LAKES are owner-occupied. An estimated 68% are non-owner-occupied, including 20% held in a company or trust and 5% 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), 78 homes matched. Community-level context.
Recent HIDDEN RIVER LAKES sales closed near 94.2% of original asking. Cash paid for about 0% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in HIDDEN RIVER LAKES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
One or more photo(s) has been virtually staged. Under Construction. THIS IS HOME IS BE SOLD BUILT * SEE PROGRESS PHOTOS ALONGSIDE RENDERINGS * BUILD IS ON SCHEDULE!
Arrange your private viewing today! Nestled within this beautiful gated community the Beauclair Model by McCloskey Homes Inc. redefines waterfront luxury.
This exquisite custom residence offers 4,071 sqft of refined living space on 1.5 private acres with 150 feet of direct waterfront on a freshwater canal that opens to the renowned Harris Chain of Lakes. Here, every detail has been thoughtfully curated to create a modern yet warmly inviting sanctuary—perfect for those who seek both sophistication and soulful comfort. * Step through the steel front door and experience the foyers' soaring 16ft ceiling that create an immediate sense of grandeur.
Rich wood trim and beams add architectural warmth. The open floor-plan leads to a dramatic great room with inset modern fireplace; built-in features and stunning finishes. The thoughtfully designed layout includes ceiling heights of 10-15ft throughout, four generous bedrooms, four luxurious baths, a dedicated office, and a formal dining room—ideal for both grand entertaining and everyday living.
* The heart of the Beauclair is its seamless connection to the outdoors. The stunning recreation room features dramatic cathedral ceiling, a full bathroom, a bar with cabinetry, and corner-opening sliders that dissolve the boundaries between inside and out. Open them to transform the space into a breezy, light-filled extension of the travertine deck and sparkling salt-water pool.
Just beyond, an outdoor kitchen beckons for al fresco gatherings, complete with ice-maker, high-end grill and beverage centre. Whether hosting sunset soirées or quiet evenings under the stars, this is living that flows effortlessly between refined interiors and breathtaking natural surroundings. * The gourmet kitchen is a masterpiece of function and beauty, complete with a hidden pantry for seamless organization and storage.
Premium integrated appliances and high-end finishes make it a joy for both casual meals and culinary artistry * Boasting 150 feet of shoreline on a peaceful freshwater canal with direct access to the Harris Chain of Lakes, the Beauclair offers unparalleled boating, fishing, and waterfront enjoyment. The expansive 1.5-acre lot provides privacy and space rarely found in today’s market—room for a future dock, lush landscaping, or simply savoring the tranquility. *** Modern in its clean lines and open concept, yet homely in its warmth and liveability, the Beauclair by McCloskey Homes Inc is more than a residence—it is a lifestyle.
Built with uncompromising quality and attention to detail, this home is ready to welcome those who appreciate the finer things: privacy, luxury, and a deep connection to Florida’s natural beauty. Located just a few miles from Historic Mt Dora and under an hour from MCO International airport, Disney World and all the best that Central Florida has to offer. You can have it all.
Hidden River Lakes – A private, gated enclave known for its serene setting and discerning residents. Offered exclusively through McCloskey Homes Inc. Contact us today to schedule your private preview and make the Beauclair your own.
Description provided by OLYMPUS EXECUTIVE REALTY INC and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $2,199,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $106/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- 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:
- This home: 96 days on market vs. a 85-day community median
- 2 active listings competing
- ≈9.0 months of supply
- 4 closed here in the last 12 months
For reference, this home is listed at $2,199,000 ($540/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 4,071 sq ft × $295–$375/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 11, 2026.
Similar homes for sale near HIDDEN RIVER 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.
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by OLYMPUS EXECUTIVE REALTY INC · MLS # S5150154
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Recent sales activity in HIDDEN RIVER LAKES
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HIDDEN RIVER LAKES neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HIDDEN RIVER 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 3654 Hidden River Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- HOA dues are listed at $106/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 4,071 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 $23,090/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 11, 2026) |
| Community market stats | Stellar MLS closed sales, as of August 2, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 3654 Hidden River Lane and when was it built?
Per the listing record, 3654 Hidden River Lane was built in 2027 and has 4,071 sq ft of living area, 4 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3654 Hidden River Lane in?
3654 Hidden River Lane is in Hidden River Lakes in Tavares, Lake County. The community section on this page shows recent closed sales, days on market, and active inventory for Hidden River Lakes from the same MLS data.
Does 3654 Hidden River Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $106 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3654 Hidden River Lane differ from the current owner's?
The estimate on this page (about $23,090 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3654 Hidden River Lane 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 3654 HIDDEN RIVER LANE in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
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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.