535 DOWLING CIRCLE, LADY LAKE, FL, 32159
Active82 days on marketListed May 3, 2026MLS #W7885433
About this home
535 DOWLING CIRCLE
3 Bed 2 1/2 Bath Located in Lady Lake, this gated no age restriction quiet community is about 5 minutes to Spanish Springs Square in the Villages, Home Depot, Best Buy, Target, Walmart, medical centers, restaurants and entertainment! This beautifully designed residence features three bedrooms, and two and a half baths and offers you elegance and functionality. As you enter through the foyer, you'll find a gallery that opens to an incredible open-concept floor plan. The high ceilings grace the great room, which opens to a large porch. The kitchen boasts gorgeous quartz countertops, stainless steel appliances, and a walk-in pantry. The primary suite has a tray ceiling, walk-in closet, large vanity area and sizable walk-in shower. The home also features a large lanai, offering a comfortable outdoor space to enjoy the Florida sunshine. Huge 764 sq. ft. 3 car garage and the property has plenty of room for a pool!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,850
Sqft
0.36 ac
Lot size
3
Garage
2024
Year built
One
Levels
$216
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.
$3,242 /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
$3,242/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.
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.
vs edgeAI estimate
+4.7%
$/sqft vs Lady Lake actives
$216 vs $195
Days on market
82 vs 50 typical
Where $216/sqft sits among the 205 Lady Lake actives
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lady Lake market
$306K → $305K
Lady Lake median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
97 of 205
Lady Lake actives have cut their price
Median sold price, Lady Lake, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the LADY LAKE 32159 median. See the full Lady Lake market guide →
Paper trail
This home's history
Reality check
What actually sold near 535 DOWLING CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$420,000
1410 MEADOW VIEW WAY · same community
3 bd · 3 ba · 1,900 sqft · $221/sqft · 7 DOM
Sold · Jun ’26$428,000
1412 MEADOW VIEW WAY · same community
3 bd · 2 ba · 2,074 sqft · $206/sqft · 108 DOM
Sold · Nov ’25$370,000
502 CANOPY LANE · same community
3 bd · 2 ba · 2,269 sqft · $163/sqft · 150 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.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 535 DOWLING CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 535 DOWLING CIRCLE — 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
535 DOWLING CIRCLE FAQs
What would the monthly payment be for 535 DOWLING CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,242/mo — principal and interest, the actual property-tax bill, the $100/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 535 DOWLING CIRCLE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 535 DOWLING CIRCLE?+
The most recent tax bill on record (2026) was $5,400. 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 535 DOWLING CIRCLE?+
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 $400,000, this home is listed about 23% above the Lady Lake median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 535 DOWLING CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$400,000 runs 28% above the LADY LAKE 32159 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $410,000, now $400,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LISTWITHFREEDOM.COM · Ralph Harvey. MLS #W7885433.
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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