26638 E COVE DRIVE, TAVARES, FL, 32778
Active12 days on marketListed Jul 11, 2026MLS #G5114954
About this home
26638 E COVE DRIVE
Lakefront living begins here! Welcome to this beautifully maintained 2-bedroom, 2-bath waterfront home located in the desirable Lake Harris Shores community. Situated on 70 feet of freshwater canal frontage with direct access to Little Lake Harris and the renowned Harris Chain of Lakes, this property is a dream for boaters, anglers, and anyone who loves the Florida waterfront lifestyle. Step outside to your covered dock complete with electric and boat lift, making it easy to spend your days exploring miles of interconnected lakes, waterfront restaurants, parks, and world-class fishing. The private community boat ramp provides added convenience for launching additional watercraft. Inside you'll find a spacious floor plan featuring a welcoming living area with a fireplace, Florida room, split-bedroom layout, walk-in closets, and an attached two-car garage. Major improvements provide peace of mind, including a brand-new roof (2026), new A/C (2026), hotwater heater (2026), septic system replaced approximately three years ago, a replaced seawall, and shoreline stabilization with land pinning. The home is also known for its surprisingly low electric bills, making waterfront living even more enjoyable. Whether you're searching for a year-round residence, weekend retreat, or boating paradise, this home offers the perfect combination of comfort, updates, and direct access to one of Central Florida's most sought-after chain-of-lakes communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,410
Sqft
0.16 ac
Lot size
2
Garage
1991
Year built
One
Levels
$294
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,012 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,012/mo
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.
Where it sits
Inside Tavares
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tavares. See the full Tavares guide →
TAVARES 32778 — neighborhood snapshot
Population
25,099
Median age
53.8
Median income
$61,815
Median home value
$241,500
Avg household
2.16
Households w/ children
2,209
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tavares market
$324K → $345K
Tavares median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Tavares, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the TAVARES 32778 median. See the full Tavares market guide →
Paper trail
This home's history
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.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 26638 E COVE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 26638 E COVE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
26638 E COVE DRIVE FAQs
What would the monthly payment be for 26638 E COVE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,012/mo — principal and interest, the actual property-tax bill, the $58/mo association fee 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.
How much are the HOA fees at 26638 E COVE DRIVE?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 26638 E COVE DRIVE?+
The most recent tax bill on record (2025) was $2,012. 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 26638 E COVE 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 Tavares?+
At $414,900, this home is listed about 26% above the Tavares median of $329,999. The market section on this page shows how the area is trending.
Which schools are assigned to 26638 E COVE DRIVE?+
Tavares High School (high), Tavares Elementary School (elementary), Tavares Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of ARROWSMITH REALTY, INC · Natalie Arrowsmith. MLS #G5114954.
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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