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List Price

$359,990

1175 Cumberland Trail, Lake Hamilton, FL 33851

41 days on market

Estimated Payment

$2,349/mo

20% down and current market rates

Bedrooms4 bdBathrooms3 baLiving area2,077 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Stephen Cline

DR HORTON REALTY OF CENTRAL FLORIDA LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Close in one place

Under Construction. Welcome to the Lakeside, one of our one-story floorplans featured in our Hamilton Bluff community in Lake Hamilton, Florida. Inside this beautiful 4-bedroom, 3-bathroom Multi-Gen home, you'll find 2,077 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space perfect for everyday living and entertaining. The kitchen features modern cabinets, quartz countertops, and sleek stainless-steel appliances, which are sure to both turn heads and make meal prep easy. You'll never be too far from the action with the living and dining area right there. Find luxury vinyl plank flooring throughout a majority of the home including the family room, primary bedroom, kitchen, bathrooms, laundry and foyer. Bedrooms 2,3 and 4 will have carpeted floors and a closet in each room. Whether these rooms become bedrooms, office spaces, or other bonus rooms, there is sure to be comfort. The 2nd bedroom is a private suite with bedroom, full bathroom, and kitchenette The primary bedroom has its own attached bathroom that features a walk-in closet and all the space you need to get ready in the morning. Privacy is guaranteed with a separate door for the toilet and shower.

1175 Cumberland Trail, Lake Hamilton, FL 33851 in Lake Hamilton, FL 33851 is listed for $359,990. The home has 4 bedrooms, 3 bathrooms, and 2,077 square feet, and was built in 2026. Listed 41 days ago. The price was increased from $357,990. The listing is held by DR HORTON REALTY OF CENTRAL FLORIDA LLC.

33851 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$905 (tax year 2025)
HOA fee$52 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $71,998

$

$2,349/moest.

  • Principal & Interest 82%
  • Property Taxes 3%
  • Insurance 13%
  • HOA 2%
Principal & Interest
$1,922
Property Taxesfrom listing
$75
Insurance
$300
HOA
$52

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,349, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $905 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR803119927. HomeJam is not the listing broker.

List Price

$359,990

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