3 bedroom Single Family Residence at 8732 Spring Court, Silver Lake Spgs, Leesburg — photo 1
21 days on market (MLS) Single Family Residence
$489,000
3-Bedroom Home in SILVER LAKE SPGS

8732 Spring Court, Leesburg, FL 34788

Single Family Residence in SILVER LAKE SPGS, LEESBURG · No CDD on record
SILVER LAKE SPGS · Leesburg, FL 34788 · Lake County
Listing data updated October 7, 2026 at 6:10 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
2,414Sq Ft
1991Year Built
$203Per Sq Ft
3-car garageNo CDD on record
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.
30% above
$/sq ft vs community
$203 here vs $156 median sold (12 mo)
Buyer leverage
Buyer advantage
21 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $489k tops 11 of the last 12 closed sales

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

Highlights

As of October 7, 2026, 8732 Spring Court in Silver Lake Spgs, Leesburg is listed at $489,000 (2,414 sq ft, about $203 per sq ft). That is 32% above Silver Lake Spgs's median closed sale of $371,650 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $156/sq ft by about 30%. It has been 21 days on market. Listing facts: built in 1991, HOA dues of $8/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1991 · 35 yrs
  • 2,414 sq ft of living area
  • 3-car garage
  • Listed at $489,000 — recent neighborhood median sale price ~$371,650 (nearby sales; deemed reliable, not an appraisal)
  • 21 days on market
  • HOA $8/mo (per listing)
Listing description

About this home

$10,000 TOWARD BUYER CLOSING COSTS OR RATE BUYDOWN! 3-CAR GARAGE, BRAND-NEW WATER HEATER, 2021 ROOF & ½+ ACRE CUL-DE-SAC LOT! From the moment you pull into the extended semi-circle driveway, there’s just something about this home that feels good.

Maybe it’s the beautiful curb appeal, mature landscaping, quiet cul-de-sac setting, or simply the feeling of having room to breathe on just over half an acre. Whatever it is, this is the kind of home that feels welcoming before you even step inside. Add a 3-CAR GARAGE, BRAND-NEW WATER HEATER, 2021 roof, LOW HOA, private community access to Silver Lake, plus WELL WATER—NO WATER BILL—with a NEW WELL PUMP installed in 2023, WATER SOFTENER, and WHOLE-HOUSE WATER FILTRATION SYSTEM, and there’s even more to love!

Step through the front door and warm wood flooring draws you into a home that feels comfortable, cozy, and ready for making memories, with HIGH CEILINGS and CROWN MOLDING adding character throughout. The family room is truly the heart of the home, featuring a wood-burning fireplace, built-in cabinetry, and French doors opening to the screened lanai. Imagine a crackling fire on a cool Florida evening, family gathered around, or simply relaxing at the end of the day.

Across the way, the formal dining room and living room each feature beautiful bay windows that bring in natural light and add to the home’s charm. Love to cook? Put this kitchen on the menu!

There’s plenty of space to spread out with granite countertops, abundant oak cabinetry, stainless steel appliances, a center island, walk-in pantry, and generous prep space for everything from quiet dinners to holiday gatherings. The kitchen overlooks the dinette, where French doors invite you outside to the patio. When it’s time to unwind, retreat to the private primary suite featuring high ceilings, backyard access, walk-in closets, and an ensuite bath with separate vanities, a walk-in shower, and Jacuzzi tub.

The split-bedroom layout gives everyone their own space, with Bedroom 2 offering a walk-in closet and Bedroom 3 featuring its own WALK-IN CLOSET plus direct access to the screened lanai. A guest bath with a tub/shower combination and patio access, along with a convenient half bath, complete the layout. A dedicated interior utility room adds everyday convenience with plenty of space for laundry and additional storage.

And then there’s the outdoor living—one of those spaces that makes you want to slow down and stay awhile. The screened lanai stretches nearly the length of the home, creating the perfect place for morning coffee, an afternoon book, or relaxing with friends as the day winds down. Step onto the open patio and fire up the grill, enjoy the peaceful oversized yard, or take an evening stroll along the community’s private road leading to Silver Lake.

Head down to the lake, cast a line, and enjoy a little fishing or simply take in the peaceful surroundings. Close to shopping, restaurants, and everyday conveniences, yet tucked away where you can come home and exhale. Charming, cozy, spacious, and filled with those “this just feels like home” vibes—you may not want to leave once you arrive.

Description provided by MORRIS REALTY AND INVESTMENTS and reproduced from the MLS; not independently verified.

Listing courtesy of MORRIS REALTY AND INVESTMENTS · Listing agent: Kim Ducharme-Levensohn · 352-435-4663Provided 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$489,000
Bed / bath3 / 2.5
Living area2,414 sq ft
Year built1991
Property typeSingle Family Residence
Garage3-car
MLS #G5117837
Listing status21 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~79 ft
CountyLake
Area listings2 active · 0 under contract
Estimated first-year tax~$7,300/yr
CDD assessmentNone on record
HOA$8/mo

Calculated estimates

Price per sq ft$203
Estimated monthly payment$3,541
Insurance (illustrative)$2k–$4k/yr
Messtimate range$364,514 – $468,316
Comparable-sales median$371,650

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$3,541/mo
  • Principal & interest $2,677/mo 76%
  • Taxes $608/mo 17%
  • Insurance $248/mo 7%
  • HOA $8/mo 0%

$3,541/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$7,300/yr
≈ $608/mo·effective rate ~1.49%
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 $4,725/yr ($394/mo) — taxable value $284,458 × 16.65 mills
$2,575 more each year
(+54%)

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
$50,722
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.
$335,180
Market value
$335,180
Assessed
$284,458
Taxable

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

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

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

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–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood 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
$8/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

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
~79 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 · Silver Lake Spgs

Pricing & the Silver Lake Spgs market

How this home is priced against recent nearby sales, and where Silver Lake Spgs has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

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

Price per sq ft · this home vs. recent nearby sales9782 CARSON WAY9782 CARSON WAY: $150/sq ft$15033214 COVENTRY DRIVE33214 COVENTRY DRIVE: $151/sq ft$15133316 IRONGATE DR33316 IRONGATE DR: $153/sq ft$15310616 POE STREET10616 POE STREET: $160/sq ft$16033025 LAKE BEND CIRCLE33025 LAKE BEND CIRCLE: $194/sq ft$194This homeThis home: $203/sq ft$2037136 N SHORE DRIVE7136 N SHORE DRIVE: $207/sq ft$207Community median $156
Property timeline

This home’s history

  • 1991BuiltPer public record
  • About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 7, 2026
  • Sep 16, 2026First seen on movewithmomentum.comObserved at $489,000
  • 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 $489,000Momentum Realty · on market 21 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.

Median of these 6 sales: $371,650 ($156/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.

$364,514the mess$468,316

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: $489,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1991 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 — this home carries HOA dues of $8/mo; 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:

  • 2 active listings competing, 1 under contract
  • ≈24.0 months of supply
  • 1 closed here in the last 12 months

For reference, this home is listed at $489,000 ($203/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.

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

Methodology: 2,414 sq ft × $151–$194/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 7, 2026.

Momentum Scores

Momentum Property Score

12/100
Strongest on: Market liquidity (35), Price vs area (0)
0 limited50100 exceptional

12/100 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 area0
This home $203/sq ft vs the community 12-month median $156/sq ft.
Affordability0
List price $489,000 vs the community median $371,650. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~24.0 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. 24.0 months of supply in the surrounding market and 21 days on market for this home, against a 30-day area median.Days on market:this home 21Area median:  30 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 2016 through 2026. As of September 20, 2026.

🟡 Asking $203 per square foot, about 30% above the community’s $156 median. Silver Lake Spgs’s 12-month median sold price per square foot is $156. 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.

93% of homes in Silver Lake Spgs are owner-occupied. An estimated 7% are non-owner-occupied, including 20% 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 2 active listings in Silver Lake Spgs, no CDD assessment.

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

Updated October 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by MORRIS REALTY AND INVESTMENTS · MLS # G5117837

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Go deeper

More on SILVER LAKE SPGS

Go deeper on SILVER LAKE SPGS

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Lake County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

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.
Nearby & guides

City, county & community guides

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

Before you decide

Buyer research checklist

Items worth confirming for 8732 Spring Court, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1991 (35 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $8/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • 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.
  • Listed living area is 2,414 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 $7,300/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,575 more per year than the current owner’s estimated bill (+54%). 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 recordStellar MLS, checked against the MLS hourly (last: October 7, 2026)
Comparable salesStellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 8732 Spring Court and when was it built?

Per the listing record, 8732 Spring Court was built in 1991 and has 2,414 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 8732 Spring Court in?

8732 Spring Court is in Silver Lake Spgs in Leesburg, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 8732 Spring Court have an HOA, and how much are the dues?

The listing reports HOA dues of $8 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 8732 Spring Court differ from the current owner's?

The estimate on this page (about $7,300 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,575 more per year than the current owner’s estimated bill (+54%). 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 8732 Spring Court 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.

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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 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.