Linda Johnson
$1,150,0004 bd3.5 ba3,436 sqft$335 /sqft$7,428 /mo all-in ↓

13525 PALM DRIVE, ASTATULA, FL, 34705

Active1 days on marketListed Jul 29, 2026MLS #O6426091

WaterfrontSingle Family ResidenceLAKE HARRIS SHORES

About this home

13525 PALM DRIVE

Virtually Staged. RARE OPPORTUNITY! Welcome to an exceptional 18.5-acre estate featuring approximately 500 feet of canal frontage with direct access to Little Lake Harris and The Harris Chain of Lakes. The canal is approximately 80 feet wide and 13 feet deep, providing excellent access for boating, fishing, and waterfront living. Impressive 2,400-square-foot steel OUTBUILDING built in 2021, featuring a concrete slab, spray foam insulated walls and ceiling, three insulated steel garage doors, three mini-split A/C systems, and an oversized concrete drive pad. Perfect for car enthusiasts, RV or boat storage, workshop, home business, equipment storage, hobby space or to keep it as the elite training facility used by Olympic medalists. This custom 3,436-square-foot home offers 4 bedrooms, 4 bathrooms, 2 private offices, and spacious living areas designed for comfort and functionality. The luxurious primary suite features a private patio entrance, dual walk-in showers, and an expansive layout. Recent updates and improvements include: New HVAC (2023) Upstairs mini-split A/C (2021) Roof replaced (2017) New septic drain field (2020) Whole-home Generac generator with 500-gallon propane tank (2021; approximately 60% full) $7,000 whole-house water filtration system housed in a new shed (2021) Hurricane-impact windows Transferable Massey termite bond The home also features soaring ceilings, granite kitchen countertops, breakfast bar, newer appliances, two garbage disposals, a spacious laundry room with abundant cabinetry, and an upstairs bonus room complete with a walk-in closet and additional attic storage. One of the private offices, located just off the garage, was completely renovated in 2025 with new flooring, lighting, window, and a private bathroom—making it ideal for a home office, guest suite, business, or multigenerational living. Two secondary bedrooms feature new luxury vinyl flooring and share a beautifully remodeled Jack-and-Jill bathroom. The guest bathroom was also renovated in 2025. Outdoor features continue with a fenced backyard (2014), hurricane-rated chicken coop, and a private spring-fed stocked pond featuring approximately 90 tilapia (2025) along with largemouth bass, creating your own private fishing retreat. Whether you're seeking a family estate, hobby farm, equestrian property, home business, or simply room to spread out while enjoying direct access to one of Central Florida's premier chain of lakes, this one-of-a-kind property offers a lifestyle that is nearly impossible to duplicate. Call Listing Agent for a Private Tour!!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,436

Sqft

18.5 ac

Lot size

2

Garage

2005

Year built

Two

Levels

$335

Per sqft

WaterfrontFireplaceTrees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Electric Water Heater · Range · Refrigerator · Water Filtration System · Water Purifier
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s) · Zoned
HeatingCentral · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Brick
FoundationSlab
ViewTrees/Woods
FacesWest
ParkingBoat · Garage Door Opener · Garage Faces Rear · Oversized · RV Parking
ExteriorFrench Doors · Garden · Private Entrance · Private Mailbox · Private Yard · Storage

Community & fees

Taxes (2025)$7,575/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,428 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property tax — 2025 actual bill$631
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $115,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $115,000
Interest rate6.00%
Loan term

Estimated payment

$7,428/mo

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property taxes (actual bill)$631
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Astatula

Map of 13525 PALM DRIVE

Drive times from this address

Downtown Orlando49 min
Universal Orlando52 min
Walt Disney World59 min
Orlando Int’l Airport (MCO)64 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Astatula. See the full Astatula guide →

ASTATULA 34705 — neighborhood snapshot

Population

3,212

Median age

40

Median income

$64,899

Median home value

$241,500

Avg household

2.88

Households w/ children

347

For the school run

Lake County School District

MiddleTavares Middle School★★★★★
HighTavares High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Astatula market

Seller’s marketLeans buyer7.3 months of inventoryBuyer’s market

$243K$324K

Astatula median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

Median sold price, Astatula, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 215% above the ASTATULA 34705 median. See the full Astatula market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $1,150,000 · 1 days on market since
2005Built · LAKE HARRIS SHORES

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Linda Johnson

Your agent

Linda Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 13525 PALM DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13525 PALM DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Linda's phone and CRM.

Goes straight to Linda’s phone and CRM.

Straight answers

13525 PALM DRIVE FAQs

What would the monthly payment be for 13525 PALM DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,428/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 13525 PALM DRIVE?+

The most recent tax bill on record (2025) was $7,575. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 13525 PALM DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Astatula?+

At $1,150,000, this home is listed about 232% above the Astatula median of $346,900. The market section on this page shows how the area is trending.

Which schools are assigned to 13525 PALM DRIVE?+

Tavares Middle School (middle), Tavares High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,150,000 runs 215% above the ASTATULA 34705 median — but at 3,436 sqft it's also nearly twice the size of the typical Astatula listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Astatula market that averages 57 — if it fits, move quickly.

Listing courtesy of TEAMCONNECT REALTY LLC · Robert Schott. MLS #O6426091.

IDX 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 accurate by Stellar MLS.

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