Lady Lake, FL - September 2025 Residential Market Update

Market Snapshot at a Glance

September presented a stabilizing picture for Lady Lake's residential market, with sales edging higher in sync with statewide momentum while inventory levels expanded, nudging the area into a more buyer-oriented phase. Mortgage rates averaged 6.5% ahead of impending Fed cuts, drawing in selective retirees and families attracted to lakeside affordability and The Villages proximity. At 4.8 months of supply, Lady Lake hovered near balance, delivering greater options than the lean inventories of yesteryear.

Key September highlights:

• Median closed price: $355,000 (+1.4% vs. September 2024, −0.8% vs. August 2025)
• Homes sold/pending: 46 (up 10% from September 2024, up 2% month-over-month)
• Active listings at month-end: 310 (up 16% year-over-year)
• Months of supply: 4.8 (up from 4.0 one year ago)
• Average days on market: 58 (up 3 days from September 2024)
• Sale-to-list price ratio: 96.0%

Sales Volume & Pace

Lady Lake tallied 46 closed or pending transactions in September, echoing Florida's 13.6% statewide surge in single-family sales to 21,271 and tapping into early autumn energy. Single-family detached homes paced with 34 sales (74%), joined by 12 attached villas favored by 55+ buyers near golf enclaves. Year-to-date sales hit 464—up 6% from 2024—underscoring Lady Lake's role as a serene entry to Central Florida's retirement corridor.

Pace lengthened to 58 days on market, granting time for thorough evaluations of older ranches and flood zones. Roughly 28% of listings revised prices before going pending, with 8% closing over ask—hallmarks of measured engagement. Statewide pending sales climbed for the second month running, a pattern Lady Lake mirrored through early commitments from out-of-state migrants.

Pricing Trends

Median sale prices landed at $355,000, a 1.4% annual uptick tracking Lake County's 3.7% rise to $379,000, yet tempered from August on back-to-school concessions. Price per square foot measured $195, down 1.5% year-over-year as roomier properties surfaced, positioning Lady Lake's medians 13% below Florida's $410,000 statewide single-family benchmark and enticing value seekers.

By price band:

• Under $300,000: 17 sales, median $268,000
• $300,000 – $400,000: 20 sales, median $352,000
• $400,000 – $500,000: 7 sales, median $448,000
• Over $500,000: 2 sales, median $562,000 (mainly premium lakefronts)

Courtyard villas adjacent to The Villages notched 6.5% yearly advances to $330,000, lifted by hassle-free living and amenity access.

Inventory & New Listings

Active inventory rose to 310 by September's close—the highest in nearly three years—with 32 new arrivals fortifying a 4.8-month supply. Three-bedroom homes prevailed at 53% (164 units), aligning with family and retiree tastes, followed by two-bedrooms at 29% (90 units) for effortless transitions.

Buyer bonuses:

• 95 selections under $300,000 (31% of total)
• 65 attached options with gated perks and modest CDDs
• Swelling pool of 2024-renovated gems boasting new roofs and impact glass, essential for perimeter lots

Absorption averaged 12% monthly, with swifter moves in central hubs off US 27/441.

Neighborhood Highlights

The Villages (Lady Lake Portion)
Southern extensions like Orange Blossom Hills tallied 20 closings at $425,000 medians, up 3.8% yearly. Golf-cart-friendly villas with lanai extensions cleared in 40-50 days, especially under $450,000 tags.

Cierra Oaks & Orange Blossom Gardens
Age-optional retreats sealed 13 deals averaging $332,000, as larger-lot ranches drew downsizers. HOA-light setups propelled 2.7% YoY growth.

Lake Hermosa & Griffin Shores
Water-edge niches posted 7 sales at $305,000 medians, at 65 DOM but securing 95% of list via dock enhancements. Storm-ready features added premiums.

Green Key Village & Central Pockets
Value-driven zones clocked 6 transactions near $240,000, luring starters with no-fee ranches and trails—up 4.5% annually.

What’s Driving the Market

Rates at 6.5% anchored a deliberate flow, yet Florida's 13.6% sales rebound hinted at restrained enthusiasm. Lady Lake rides Lake County's retiree influx and Villages expansions (600+ units added), with 10% in-migration YoY from northern climes. Insurance spikes (14-18% annually) and lake flood exposures demand checks, but inland shelter tempers hurricane fallout—post-2024 elevated builds earned 1-2% edges.

Expanding supply softens rivalries, emphasizing buyer diligence on septics and easements in outskirts.

Looking Ahead to October & November

Foresee a sales bump to 48-52 with emerging rate relief, inventory steadying at 5.0 months by Q4's wrap. Medians could hold or lift 0.5-1% in $300k-$375k cores as snowbirds scout, though concessions persist for dated stock.

For sellers: Highlight lake/golf draws and 2024 resilience upgrades; list at 95-96% of comps for brisk pendings. For buyers: Seize the assortment—secure approvals and pursue sub-$350k before seasonal swells. Investors: Target fringe foreclosures for 7-9% opportunities.

Lady Lake closes Q3 2025 on even ground—charming, cost-effective, and set for Florida's poised progression.

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