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List Price

$289,900

317 Water Landing, Oak Hill, FL 32759

158 days on market↓ $10K from original list price

Estimated Payment

$2,024/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,416 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2007

Listed by

Hayley Vezza

LOCAL LIVING REALTY GROUP

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.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to Lighthouse Cove, one of East Central Florida's most desirable waterfront 55+ communities where you own your land, enjoy gated security, and embrace the laid-back coastal lifestyle you've worked hard for. What truly sets this property apart is the lifestyle outside your front door. Lighthouse Cove is an active waterfront community offering a heated pool, renovated clubhouse, pickleball courts, shuffleboard, riverfront picnic area, private water access, community boat ramp, optional RV and boat storage, and a full calendar of social activities. Golf carts are welcomed and commonly used throughout the neighborhood, creating a friendly atmosphere where neighbors quickly become friends. For boating, fishing, kayaking, and nature enthusiasts, you're just minutes from the incredible waters of the Indian River Lagoon, Canaveral National Seashore, and Merritt Island National Wildlife Refuge. Located just steps from the Indian River Lagoon, this beautifully updated 3-bedroom, 2-bath home offers the perfect combination of comfort, convenience, and community. Whether you're looking to downsize, retire, or simply enjoy a more active Florida lifestyle, this move-in-ready home checks all the boxes. Inside, you'll find an open-concept floor plan with luxury vinyl plank flooring throughout the main living areas, fresh interior paint, updated lighting, new ceiling fans, and a beautifully renovated kitchen featuring soft-close cabinetry, updated countertops, tile backsplash, modern appliances, and an upgraded sink and faucet. The spacious primary suite offers new carpeting and an updated en-suite bath with a modern shower enclosure and fixtures. Major updates have already been completed, including a new HVAC system in 2025 and a roof replacement in 2017, allowing you to focus on enjoying your new home rather than worrying about future expenses. The screened porch provides the perfect place to enjoy your morning coffee, while the rear privacy fencing creates a comfortable outdoor space for relaxing or entertaining.

317 Water Landing, Oak Hill, FL 32759 in Oak Hill, FL 32759 is listed for $289,900. The home has 3 bedrooms, 2 bathrooms, and 1,416 square feet, and was built in 2007. Listed 158 days ago. The price was reduced from $299,999. The listing is held by LOCAL LIVING REALTY GROUP.

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$1,348 (tax year 2025)
HOA fee$122 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): $57,980

$

$2,024/moest.

  • Principal & Interest 76%
  • Property Taxes 6%
  • Insurance 12%
  • HOA 6%
Principal & Interest
$1,548
Property Taxesfrom listing
$112
Insurance
$242
HOA
$122

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 $2,024, 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 $1,348 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# MFR788189005. HomeJam is not the listing broker.

List Price

$289,900

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