Eric Chery
$340,000$350,0002 bd2 ba1,642 sqft$207 /sqft$2,724 /mo all-in ↓

820 CORTEZ AVENUE, LADY LAKE, FL, 32159

Active91 days on marketListed May 6, 2026MLS #G5111892

Reduced $10KSingle Family ResidenceTHE VILLAGES

About this home

820 CORTEZ AVENUE

Welcome to your tranquil retreat just minutes from the vibrant Spanish Springs Town Square in The Village of El Cortez. This spacious Monterey designer home, with its versatile design and charm, beckons you to explore its many facets. It's not just a home; it’s an invitation to enjoy a lifestyle abundant with comfort and convenience. Before we get to the interior, this home is just as impressive on the outside. The 2022 Roof provides up front savings & a big box checked on your list. A painted driveway and screened garage add convenience, while the epoxy-finished front porch offers a cozy spot to unwind. When it’s time to entertain, the rear epoxy slab provides the ideal backdrop for outdoor picnics and casual get-togethers. Simple landscaping pulls the overall look together with lovely brick facade. Coming into this home, you're greeted by an airy, formal entry flanked with elegant columns, setting the tone for what’s to come. The generous living spaces flow seamlessly, enhanced by vaulted ceilings that create a sense of openness and light throughout. This layout effortlessly caters to both intimate gatherings and larger get-togethers, with ample space for everyone. The heart of this home, the kitchen, is updated with a modern touch. Refined white cabinets and quartz countertops bring elegance and functionality, perfectly paired with stainless steel appliances. It's not about being a chef's dream, but rather a space where every meal is prepared with ease and style. Complementing this is the open dining space, perfect for enjoying meals with friends and family alike. At the back of the home, the Florida Room is designed for versatility, with its own climate control mini-split unit ensuring comfort throughout the year. Whether you use it as an office, a hobby space, additional bedroom, or a serene reading nook, it provides space & privacy whenever needed. Location is truly the centerpiece of this property. Heading down Avenida Central brings you to a wealth of conveniences - shopping centers, healthcare facilities, and a plethora of dining options. And with no bond or maintenance assessment, you can savor those extra financial savings in this highly sought-after area. Sustainability features like solar tubes ensure natural light brightens your days, while recent updates including the wood-look porcelain tile flooring, smart thermostat & 2023 HVAC enhance efficiency and peace of mind. Additionally, security enhancements like the RING doorbell and electronic lock integrate modern technology seamlessly into your daily routine. This home's community boasts vibrant social opportunities. Designed for those seeking an active retired lifestyle, the neighborhood offers easy access to golf courses, pool facilities, and various social clubs, inviting you to be as involved as you choose in this thriving locale. If you're considering a retirement retreat, an investment, or a part-time residence in a dynamic community, this home promises a fulfilling future. It's a property that harmonizes comfort, location, and opportunity, waiting for you to create your new story. Be sure to come by to take a look at this wonderfully well rounded home :-)

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,642

Sqft

0.14 ac

Lot size

2

Garage

1991

Year built

One

Levels

$207

Per sqft

55+ communityPets allowed

Inside

FlooringPorcelain Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorSolid Wood Cabinets · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationSlab
FacesNorth
ParkingGarage Door Opener
ExteriorIrrigation System

Community & fees

Taxes (2025)$4,951/yr
PetsYes
CommunityClubhouse · Community Mailbox · Deed Restrictions · Dog Park · Golf Carts OK · Golf · Park · Playground · Pool · Restaurant · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Underground Utilities · Water Available
WaterPublic

The numbers

What it really costs

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

$2,724 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$413
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $11,900
Interest rate6.00%
Loan term

Estimated payment

$2,724/mo

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$413
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $340K
$292KedgeAI estimate $308,380 · range $304K$324K$354K

vs edgeAI estimate

+10.3%

$/sqft vs THE VILLAGES

$207 vs $251

Days on market

91 vs 52 typical

Where $207/sqft sits among the 222 homes for sale in THE VILLAGES

61 · this home
71
45
15
12
18
$198–230$230–263$263–295$295–327$327–359$359+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Lady Lake

Map of 820 CORTEZ AVENUE

Drive times from this address

Downtown Orlando66 min
Universal Orlando69 min

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

Get to know Lady Lake. See the full Lady Lake guide →

LADY LAKE 32159 — neighborhood snapshot

Population

30,846

Median age

68.7

Median income

$57,536

Median home value

$272,100

Avg household

1.83

Households w/ children

1,240

For the school run

Lake County School District

ElementaryThe Villages Elementary Of Lady Lake School★★★★★
MiddleCarver Middle School★★★★
HighLeesburg High School★★★★

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

The numbers that matter

The Lady Lake market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$306K$320K

Lady Lake median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

125 of 222

THE VILLAGES have cut their price

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

This home is listed 7% above the LADY LAKE 32159 median. See the full Lady Lake market guide →

Paper trail

This home's history

CurrentPrice reduced to $340,000 $10K
May 6, 2026Listed at $350,000 · 91 days on market since
1991Built · THE VILLAGES

Reality check

What actually sold near 820 CORTEZ AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

17860 SE 89TH NATCHEZ AVENUESold · Apr ’26

$325,000

17860 SE 89TH NATCHEZ AVENUE · same community

3 bd · 2 ba · 1,625 sqft · $200/sqft · 276 DOM

1013 DEL RIO DRIVESold · Nov ’25

$366,000

1013 DEL RIO DRIVE · same community

2 bd · 2 ba · 1,578 sqft · $232/sqft · 3 DOM

3096 MAYWOOD COURTSold · Dec ’25

$350,000

3096 MAYWOOD COURT · same community

3 bd · 2 ba · 1,527 sqft · $229/sqft · 0 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 820 CORTEZ AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 820 CORTEZ AVENUE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

820 CORTEZ AVENUE FAQs

What would the monthly payment be for 820 CORTEZ AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,724/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 820 CORTEZ AVENUE?+

The most recent tax bill on record (2025) was $4,951. 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 820 CORTEZ AVENUE?+

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 Lady Lake?+

At $340,000, this home is priced right at the Lady Lake median.

Which schools are assigned to 820 CORTEZ AVENUE?+

The Villages Elementary Of Lady Lake School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REALTY EXECUTIVES IN THE VILLAGES · Frances Pierce Pa. MLS #G5111892.

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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