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List Price

$625,000

3512 Savanna Palms, Lakewood Ranch, FL 34211

67 days on market↓ $24K from original list price

Estimated Payment

$5,653/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms3 baLiving area2,231 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2017

Listed by

Shannon Dodge

WAGNER REALTY

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

Buy this home your way.

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  • Bring your agent
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Motivated Seller!! Experience a blend of privacy in this spaciously designed home with scenic beauty. This is a meticulously maintained Tivoli model in Savanna at Lakewood Ranch. Four bedrooms, three bathrooms, a private home office, screened in lanai with a three-car garage. Built in 2017 and positioned on a premium homesite with a preserve across the street and a tranquil lake behind. No neighbors directly in front or behind create a peaceful setting for this home. Decorative landscape with curbed gardens, paver driveway/entryway combined with a terracotta tile roof create stunning/distinctive drive up/walk by appeal. Enjoy the relaxing water view with beautiful evening sunsets from the screened in lanai. This open-concept floor plan is designed for easy everyday living and entertaining. The ensuite guest bedroom at the front of the home is separated from two secondary bedrooms that share a dual sink bathroom towards the back of the home providing privacy for family and guests. On the other side of the living room is the luxurious primary suite including a custom walk-in closet with adjustable built-ins, and soft-close features. The 18” tiled ensuite has dual sinks, walk-in shower, and a soaking tub with attractive finishes. A wonderfully convenient 6-by-9-foot office located just off the kitchen provides a work-from-home space close to the hub of the home. The stunning kitchen features include granite countertops, a 4-chair breakfast bar, a large kitchen sink, and a nearby generously sized dining room to accommodate a large gathering! Additional highlights include high ceilings, recessed lighting, and crown molding. Throughout the home is attractive 18” diagonal ceramic tile flooring. This home is filled with natural light via multiple large windows. Additional highlights include a built-out laundry room, w/ample storage, overhead dimmer lighting in the entertaining space and a tankless water heater. A pre-listing inspection has been completed; minor identified items have been addressed.

3512 Savanna Palms, Lakewood Ranch, FL 34211 in Lakewood Ranch, FL 34211 is listed for $625,000. The home has 4 bedrooms, 3 bathrooms, and 2,231 square feet, and was built in 2017. Listed 67 days ago. The price was reduced from $649,300. The listing is held by WAGNER REALTY.

34211 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$5,112 (tax year 2025)
HOA fee$310 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 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$5,653/moest.

0% down -- about $1,059 more per month than 20% down conventional.

  • Principal & Interest 75%
  • Property Taxes 8%
  • Insurance 9%
  • HOA 5%
  • USDA Fee 3%
Principal & Interest
$4,212
Property Taxesfrom listing
$426
Insurance
$521
HOA
$310
USDA Annual Fee
$184

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$6,250

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

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

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: 0% 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. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $5,653, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $5,112 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 28, 2026 6:02 AM ET through Sep 29, 2026 6:02 AM ET. MLS# MFR800482877. HomeJam is not the listing broker.

List Price

$625,000

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