Royal Harbor
Homes for Sale in Tavares, FL
All 267 homes for sale in Tavares, FL · median $326,000 · 262 homes for sale in 32778 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Royal Harbor in Tavares, FL has 21 homes for sale and 3 pending, asking from $269,900 to $799,900 (median $329,000). Over the 12 months ending 2026-08-02, 22 recorded sales closed at a median of $342,500, $180 per square foot, a median 67 days on market, sellers accepting 94% of original asking (+0% versus the prior year). Homes listed or recently sold were built 2000 - 2007; 36 of 36 report an HOA (median $228/mo); none of the 35 geocoded homes sit in a FEMA special flood hazard zone (median elevation 101 ft). At the median price and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $5,700 ($5,030 with the full homestead exemption).
Last 30 days in Royal Harbor: 4 new listings (median asking $297,450), 3 under contract right now, 1 closed sale (median $385,000). As of October 24, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Royal Harbor
Live MLS inventory for Royal Harbor. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 163 daysTop listing
Active · 105 days
Active · 152 days
Active · 99 days
Active · 52 days
Active · 243 days
Active · 82 days
Active · 74 days
Active · 87 days
Active · 263 days
Active · 8 days
Active · 226 days
Active · 64 days
Active · 107 daysActive and pending Royal Harbor listings as of 2026-10-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.
Royal Harbor's pricing story is really an age-and-condition story. Homes here span construction from 1990 through 2022 with a median build year of 2006, so buyers are choosing between an older, more established section and newer construction within the same gates - that spread alone explains most of the variation you'll see listing to listing, independent of size or finish level.
At 6.7 months of supply, this reads as buyer-leaning: inventory is taking longer to clear than a balanced market would suggest. With only 14 active listings against 421 homes in the community, sellers should expect more negotiating room on terms and timeline, while buyers get the benefit of less competition per showing but also fewer choices at any given moment.
Figures in this note are as of July 21, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Royal Harbor right now
🟢 Buyer-leaning market. 6.2 months of supply and 13% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of August 2, 2026. Confidence: Very High (15 active and pending listings, 22 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($342K) is up 0.0% from the prior 12 months ($342K) and up 174% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: High (22 and 28 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Royal Harbor market snapshot (as of August 2, 2026): the median sale price is about $342K ($180 per sq ft over the trailing 12 months of closed sales), a median 67 days on market for closed sales, and 6.2 months of supply, a buyer-leaning market. The trailing-12-month median is up 0% from the prior 12 months and up 174% since 2012, computed from record-level Stellar MLS closed sales (22 closings in the current window).
In ZIP 32778 (Tavares), 713 homes closed in the last 12 months at a median of $330K ($183/sq ft), down 4.9% year over year, with a median 69 days on market. Right now 131 active and 35 pending listings put supply at about 4.4 months - a balanced market. See the live ZIP 32778 housing market and the Lake County market.
Flood zones in Royal Harbor: of 27 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Tavares.
Royal Harbor is a community of 421 homes in Tavares, Lake County, built between 1990 and 2022 (median 2006), with a median living area of about 1,870 square feet. 83% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Royal Harbor Tavares is a gated, deed-restricted community in Lake County built out in phases from 1990 to 2022, with a median home now running about 1,870 square feet under a roof built around 2006 - a mix that gives buyers a genuine choice between established and newer-built product inside the same association.
The setting & the homes.
Aerial and on-site photos of Royal Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Who Royal Harbor is best for.
Best for
- Buyers who want to actively use a full recreation package - pool, courts, clubhouse - rather than pay for amenities they won't touch.
- Buyers comfortable with a deed-restricted, buyer-approval HOA process as part of closing.
- Buyers who value a gated setting and are patient enough to wait out a limited, 14-listing active inventory for the right unit.
Probably not for
- Buyers who want to close fast with minimal HOA paperwork or approval steps.
- Buyers seeking only ground-up new construction, since this community's homes date back to 1990.
- Investors seeking a high-turnover rental pool, given the community's high owner-occupied (homestead) share.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($342K) IS the median in the snapshot above, and the move from 2025 ($342K) IS the +0.0% one-year change.
Windows contain 0 to 49 sales each (22 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Royal Harbor Market Scorecard
Royal Harbor is currently a buyer's market. About 7.6 months of supply, a median asking price of $329,000, and homes go under contract in about 101 days.
Typical home value in the 32778 ZIP is $307,655, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Royal Harbor on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Royal Harbor
- Fitness Center · reported on 27 of 28 listings
- Tennis Court(s) · reported on 27 of 28 listings
- Pool · reported on 27 of 28 listings
- Clubhouse · reported on 26 of 28 listings
- Gated Community - No Guard · reported on 26 of 28 listings
- Deed Restrictions · reported on 23 of 28 listings
- Buyer Approval Required · reported on 22 of 28 listings
- Community Mailbox · reported on 22 of 28 listings
- Pickleball Court(s) · reported on 20 of 28 listings
- Recreation Facilities · reported on 20 of 28 listings
- Gated · reported on 19 of 28 listings
- Golf Carts OK · reported on 19 of 28 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Astatula Elem · Elementary
- Tavares Middle · Middle
- Tavares High · High
Zoned schools reflect the assignments reported on recent Royal Harbor listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Royal Harbor address.
Shop the zone: Homes zoned for Tavares High High School
The Royal Harbor buying strategy.
If we were buying in Royal Harbor today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Royal Harbor.
A gated community built around amenities, not just square footage
The amenity list here is unusually deep for a community this size: fitness center, pool, clubhouse, tennis and pickleball courts, shuffleboard, and association-owned recreation facilities, all behind a gated (no guard) entry. Golf carts are permitted, which tends to matter more in a community like this where the recreation buildings and courts are meant to be used, not just viewed from the street.
Governance is active rather than passive - deed restrictions and a buyer approval process are both in place, which is worth building into any offer timeline. At roughly 83% homestead share, most homes in Royal Harbor are owner-occupied primary residences rather than investment or seasonal-use units, which tends to correlate with more consistent upkeep of individual lots and closer attention to HOA compliance.
The location and the amenities are priced into every listing in Royal Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Royal Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (6.9). Basis: Long-Term Appreciation +174% since 2012; Recent Direction +0.0% year-over-year; Liquidity & Demand 6.2 months of supply; Owner Commitment 83% owner-occupied; Pricing Power 94.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With only 14 active listings covering a 421-home community, pricing comparisons have to be built carefully rather than pulled from a wide pool - we track what's actually closed and pending here, not just what's listed, and we walk buyers through the HOA's buyer-approval requirements before an offer is written, not after.
Royal Harbor in 15 seconds.
Tools for a Royal Harbor buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Royal Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Royal Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Royal Harbor home worth?
Get a no-obligation home value based on real comparable sales in Royal Harbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Tavares →
Recently off market in ROYAL HARBOR
Homes in ROYAL HARBOR that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 7 on record.
- 3051 Keel Court · off market
- 3370 Saint Lucia Court · off market
- 3592 Tropical Seas Loop · off market
- 5370 Indian Ocean Loop Loop · off market
- 5486 Bounty Circle · off market
- 5636 Freeport Drive · off market
- 6210 Sailboat Avenue · off market
| Location | Tavares, Lake County, FL · ZIP 32778, 34757 |
|---|---|
| Homes in the community | 421 (FL DOR 2025 assessment roll) |
| Years built | 1990–2022 (median 2006) |
| Typical living area | 1,870 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Tennis Court(s), Clubhouse, Fitness Center, Gated Community - No Guard, Gated |
| Sale prices, last 12 months | $342,500 median across 22 closed sales · $180 per sq ft · +0.0% vs the prior 12 months |
| Days on market (closed sales) | 67 median |
| For sale right now | 13 active, 2 pending · median asking $337,000 · 6.2 months of supply |
| Owner-occupied (homestead) share | 83% |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Royal Harbor key facts,” movewithmomentum.com/neighborhoods/royal-harbor-tavares, data as of August 2, 2026.
Housing distress & ownership in ROYAL HARBOR, Tavares
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Royal Harbor
The newest homes for sale in Royal Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4900 Canoe Court $283,000 · 2 bd · 2 ba · 1,484 sq ft · listed Oct 23, 2026 Courtesy of ERA GRIZZARD REAL ESTATE
- 5604 Gulf Stream Street $295,000 · 3 bd · 2 ba · 1,535 sq ft · listed Oct 16, 2026 Courtesy of LPT REALTY, LLC
- 2852 Cape Horn Court $329,000 · 2 bd · 2.5 ba · 2,163 sq ft · listed Oct 14, 2026 Courtesy of HARRISON REAL PROPERTY GROUP
- 5171 Indian Ocean Loop $299,900 · 2 bd · 2 ba · 1,658 sq ft · listed Sep 30, 2026 Courtesy of BHHS FLORIDA REALTY
- 5370 Indian Ocean Loop $310,000 · 3 bd · 2 ba · 1,719 sq ft · listed Sep 5, 2026 Courtesy of HARRISON REAL PROPERTY GROUP
- 4958 Portsmouth Street $345,000 · 3 bd · 2 ba · 1,819 sq ft · listed Aug 31, 2026 Courtesy of ROUND TABLE REALTY
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Royal Harbor Tavares Right Now (23)
All 23 active and pending Royal Harbor Tavares listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5604 Gulf Stream Street · $295,000 · 3 bd / 2 ba · listed Oct 16, 2026 · listed by Lpt Realty, Llc
- 2852 Cape Horn Court · $329,000 · 2 bd / 2.5 ba · listed Oct 14, 2026 · listed by Harrison Real Property Group
- 5171 Indian Ocean Loop · $299,900 · 2 bd / 2 ba · listed Sep 30, 2026 · listed by Bhhs Florida Realty
- 5596 Freeport Drive · $280,000 · 3 bd / 2 ba · pending · listed Sep 26, 2026 · listed by Lpt Realty, Llc
- 5026 Rainbow Trout Road · $335,000 · 3 bd / 2 ba · pending · listed Sep 12, 2026 · listed by Bhhs Florida Realty
- 5111 Ironsides Court · $337,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Coldwell Banker Hubbard Hansen
- 5370 Indian Ocean Loop · $310,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Harrison Real Property Group
- 4958 Portsmouth Street · $345,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Round Table Realty
- 5964 Brittania Boulevard · $325,000 · 2 bd / 2.5 ba · listed Sep 7, 2026 · listed by Redfin Corporation
- 5475 Bounty Circle · $327,000 · 4 bd / 2 ba · pending · listed Aug 27, 2026 · listed by Weichert Realtors Hallmark Pro
- 3393 Baltic Sea Boulevard · $330,000 · 3 bd / 2 ba · listed Aug 26, 2026 · listed by Re/Max Advantage
- 5245 China Sea Drive · $326,000 · 3 bd / 2 ba · listed Aug 26, 2026 · listed by Bhhs Florida Realty
- 6170 Sailboat Avenue · $346,000 · 3 bd / 2 ba · listed Aug 22, 2026 · listed by Keller Williams Winter Park
- 3204 Antigua Bay Lane · $334,900 · 3 bd / 2 ba · listed Aug 19, 2026 · listed by Dave Lowe Realty, Inc.
- 6116 Armada Street · $324,900 · 3 bd / 2 ba · listed Aug 3, 2026 · listed by Lpt Realty, Llc
- 3354 Saint Lucia Court · $379,900 · 2 bd / 2 ba · listed Jul 28, 2026 · listed by Bhhs Florida Realty
- 5052 China Sea · $310,000 · 3 bd / 2 ba · listed by Era Grizzard Real Estate
- 3257 Baltic Sea Boulevard · $374,900 · 3 bd / 3 ba · listed by Bhhs Florida Realty
- 4962 Rainbow Trout Road · $269,900 · 3 bd / 2 ba · listed by Exit Realty Tri-County
- 6274 Sailboat Avenue · $799,900 · 4 bd / 3 ba · listed by Morris Realty And Investments
- 6105 Dory Way · $287,000 · 3 bd / 2 ba · listed by Coldwell Banker Vanguard Edge
- 5732 Freeport Drive · $339,000 · 3 bd / 2 ba · listed by Bhhs Florida Realty
- 5685 Gulf Stream Street · $329,999 · 3 bd / 2 ba · listed by Watson Realty Corp
Recently sold in Royal Harbor Tavares
- 3051 Keel Court · sold $385,000
- 6210 Sailboat Avenue · sold $285,000
- 5928 Brittania Boulevard · sold $267,000
- 4913 Rainbow Trout Road · sold $321,000
- 5636 Freeport Drive · sold $375,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Tavares home searches
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- Homes for sale in Lake County, FL
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- Tavares waterfront homes for sale
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- Homes under $300K in Tavares
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- Tavares home values: what is my house worth?
Tavares guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Lake County)
- Homestead exemption (Lake County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Tavares? Join Momentum in Tavares: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Sailboat Avenue (24 homes on record)
- Indian Ocean Loop (17 homes on record)
- Bounty Circle (16 homes on record)
- Sailboat Avenue (15 homes on record)
- Gulf Stream Street (12 homes on record)
- Baltic Sea Boulevard (12 homes on record)
- Portsmouth Street (11 homes on record)
- Portsmouth Street (9 homes on record)
- Gulf Stream Street (7 homes on record)
- Rainbow Trout Road (7 homes on record)
- Indian Ocean Loop (6 homes on record)
- Sailboat Avenue (6 homes on record)
What it really costs to own in Royal Harbor
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $228/month across 34 MLS listings (most billed monthly; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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 depend on roof age, wind mitigation and construction. Flood: of 27 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2005 across 34 listings. An original roof here would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Royal Harbor
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Royal Harbor
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Royal Harbor will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Royal Harbor?
How long do homes in Royal Harbor take to sell?
Is Royal Harbor a buyer's or seller's market right now?
How many homes are in Royal Harbor?
What share of Royal Harbor is owner-occupied?
When were the homes in Royal Harbor built?
Do cash buyers compete in Royal Harbor?
Have Royal Harbor home prices gone up?
Who is the best real estate agent for Royal Harbor?
How do I find a top Tavares real estate agent who knows Royal Harbor?
Can Momentum Realty connect me with an agent for Royal Harbor?
Where is Royal Harbor, and what county is it in?
Is Royal Harbor in a flood zone?
Is Royal Harbor a good place to live?
Should you buy in Royal Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 23, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2004 (421 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how ROYAL HARBOR fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Royal Harbor
- Home values · What homes in Royal Harbor actually sell for
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