5366 INDIAN OCEAN LOOP, Tavares, FL, 32778 | $374,900

Beautifully landscaped and lovingly maintained, this Royal Harbor home welcomes you from the moment you arrive. Set within a 55+ gated waterfront community on the Harris Chain of Lakes, this move-in-ready 3 Bedroom, 2 Bath home offers the look and feel of a model home, with thoughtful upgrades inside and out. Gorgeous gardens, Shark Coating on the driveway, walkway, and front porch, and true pride of ownership set the tone. Inside, you will appreciate 1, 844 sq ft of heated living space, LVP Flooring, Plantation Shutters throughout, including Plantation Slider Shutters, and tasteful updates chosen with care. Home cooks will appreciate the beautifully updated Kitchen with Quartz Countertops, stylish Backsplash, High-End Stainless Steel Appliances, including a Gas Range with Double Oven, and a substantial High-End Island with Slide-Out Extension for added prep and serving space. The Kitchen opens through French Doors to a Covered and Screened Front Courtyard Patio—perfect for grilling, morning coffee, or casual outdoor dining. The Great Room and Primary Suite both open to the spacious Screened Lanai with Sliding Vinyl Windows, creating a comfortable year-round Garden-View retreat. Though not included in the heated square footage, the Lanai lives like an extension of the home and adds wonderful usable space. The Primary Bath has been tastefully updated, including Quartz Countertop, Cabinetry, Fixtures, and Walk-In Shower. Major updates include HVAC in 2024, Roof and Gutters in 2020, Double-Pane Windows in 2021, Exterior Paint in 2023, updated Baths, and so much more. The 2-Car Garage includes a Workshop Area with space for the included Golf Cart. With most furnishings and the Golf Cart included, and only a few seller exclusions, this tastefully decorated home offers a wonderful move-right-in opportunity for seasonal or full-time living. Royal Harbor offers a Clubhouse, Social Hall, Jr. Olympic Heated Pool & Spa, Fitness Center, Craft & Game Room, Billiards, Pickleball, Tennis, Bocce, Shuffleboard, Community Dock, and included RV/Boat/Trailer Storage. Welcome Home!

Features

  • Amenities: Clubhouse, Fitness Center, Gated, Pickleball Court(s), Recreation Facilities, Spa/Hot Tub, Storage, Tennis Court(s)
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2002
  • Garage: 2-car Oversized, Workshop in Garage
  • Heating: Central, Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 1,844
  • Acreage: 0.2
  • Est. Taxes: $3,302
  • HOA Fee: $228 Monthly
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: G5114126
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/G5114126/5366indianoceanloop_tavares_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/26/2026 3:38:18 PM)

William Raveis Family of Services

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The Ferguson TeamSales Associate

843.301.4460

TheFergusonTeam@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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Our Insurance Division:

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5366 INDIAN OCEAN LOOP, Tavares, FL, 32778

$374,900

The Ferguson Team

Sales Associate

William Raveis Real Estate

Phone: 843.301.4460

TheFergusonTeam@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $299,920 $299,920 $299,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.512% 5.866%
Monthly Tax Payment $275 $275 $275
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,796 $1,871 $2,471
Total Monthly Payment $2,146 $2,221 $2,821

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.