Market Snapshot at a Glance

October delivered a clear signal: Lady Lake’s housing market is settling into a healthier, more balanced rhythm after years of extremes. Closed sales rose modestly month-over-month, inventory continued its gradual climb, and pricing held remarkably steady despite lower mortgage rates tempting more buyers off the sidelines. For the first time in nearly three years, we are operating in a true 5–6 month supply environment — neither a screaming seller’s market nor a fire-sale buyer’s market.

Key October highlights:

• Median closed price: $360,000 (−1.1% vs. September 2025, +0.6% vs. October 2024)
• Homes sold/pending: 48 (up 4.3% from September, up 12% year-over-year)
• Active listings at month-end: 330 (up 18% year-over-year)
• Months of supply: 5.4 (up from 4.2 one year ago)
• Average days on market: 62 (up 10 days from October 2024)
• Sale-to-list price ratio: 96.8%

Sales Volume & Pace

Lady Lake recorded 48 closed or pending transactions in October, continuing a three-month upward trend. Single-family detached homes accounted for 35 of those sales (73%), while attached villas and townhomes made up the remaining 13. Year-to-date sales now stand at 512 — 7% ahead of the same period in 2024.

The most noticeable shift was in market time. Average days on market stretched to 62, giving buyers more breathing room to schedule inspections, compare properties, and negotiate repairs or concessions. Roughly 29% of October listings took at least one price reduction before going under contract, and only 9% closed above asking price — both signs of returning equilibrium.

Pricing Trends

The median sale price in October was $360,000, essentially flat year-over-year and down just $4,000 from September. Price per square foot, however, climbed to $199 — a healthy 13.7% increase from October 2024 — reflecting continued buyer preference for updated, move-in-ready homes rather than large fixer-uppers.

By price band:

• Under $300,000: 18 sales, median $275,000
• $300,000 – $400,000: 19 sales, median $349,900
• $400,000 – $500,000: 8 sales, median $462,500
• Over $500,000: 3 sales, median $578,000 (mostly lakefront or premier golf-front)

The strongest appreciation remains in the attached-villa segment inside or immediately adjacent to The Villages, where medians rose 8.1% year-over-year to approximately $335,000–$340,000.

Inventory & New Listings

Active inventory finished October at 330 homes, the highest level since early 2022. New listings totaled 55 — solid but not overwhelming — keeping the market in that sweet spot of 5.4 months of supply. Three-bedroom homes continue to dominate both supply (52%) and demand, followed closely by two-bedroom villas ideal for retirees.

Notable bright spots for buyers:

• 92 two-bedroom options now on market (28% of total inventory)
• 115 attached properties (villas, townhomes, condos) — the deepest selection in years
• Growing number of 2024–2025 renovated homes with new roofs, HVAC, and windows entering the pipeline

Neighborhood Highlights

The Villages (Lady Lake portion)
Southern Villages neighborhoods (Orange Blossom Hills South, La Reynala, etc.) posted 25 transactions with a median of $428,000. Designer-series homes and golf-front courtyard villas remain the fastest-moving product here, often under contract in 30–45 days when priced at or below recent comparables.

Cierra Oaks & Harbor Hills
Non-age-restricted but retiree-friendly communities saw brisk activity, closing 12 homes at a median of $335,200. Buyers here continue to prioritize low or no CDD fees and larger lots.

Waterfront & Acreage Properties
Lake Griffin and Lake Hermosa listings moved slower (average 88 DOM) but still achieved 94–97% of asking price when marketed with updated docks and seawalls.

Green Key Village & Carlton Village
Younger families and remote workers scooped up 10 homes in these pockets, many under $325,000 with no HOA fees — a rarity in Central Florida.

What’s Driving the Market

Lower rates (30-year fixed averaged 6.3% by late October) unlocked sidelined buyers, particularly move-down retirees and snowbirds committing early for 2026 occupancy. At the same time, equity-rich homeowners who locked in 2021–2023 prices are now comfortable listing, gradually rebuilding inventory without flooding the market.

Lingering headwinds include homeowners insurance (still up 15–20% year-over-year) and moderate flood risk on certain lakefront parcels. Properties with recent four-point inspections and elevated construction continue to command premiums.

Looking Ahead to November & December

Seasonal momentum typically builds through the holidays as northern buyers arrive. Expect:

• Slight uptick in closed sales volume (55–65 range)
• Modest upward pressure on pricing in the $300k–$450k sweet spot
• Continued inventory growth, likely pushing months of supply closer to 6.0 by year-end

For sellers: Freshen curb appeal, highlight any 2024–2025 upgrades, and price within 2–3% of the most recent comparable sales to capture early-season traffic.

For buyers: The current window of choice and negotiability may be the best we see until spring 2026. Pre-approvals, proof of funds, and flexibility on closing dates remain powerful tools in multiple-offer situations that still pop up on turnkey Villas properties.

Lady Lake closes out 2025 in solid shape — balanced, active, and still one of Central Florida’s most affordable retirement and family-friendly markets.

Data compiled from Stellar MLS, Florida Realtors® October 2025 reports, and local broker transaction records.