$159,900
20 Captains Point
Fruitland Park, FL 34731
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
CHARMING HOME IN WATERFRONT COMMUNITY, HARBOR OAKS! Price adjustment again!! Bring offers! Welcome to Harbor Oaks, an inviting 55+ waterfront community offering a relaxed and active Florida lifestyle. This lovely 2 bedroom, 2 bath doublewide home features luxury vinyl flooring throughout- NO CARPET! Enjoy peaceful waterviews from the spacious 10 x 20 Florida room, the perfect spot for morning coffee or evening sunsets. It features a split bedroom floorplan. The living room is spacious and flows into the Dining area and Kitchen, which offers ample countertop space and cabinetry. The home also includes a double carport, workshop, and a golf cart garage-with an electric golf cart included! Harbor Oaks residents enjoy an active atmosphere close to churches, restaurants and local conveniences. The LOW monthly HOA fee includes lawn mowing, water, trash and sewer, making it easy to enjoy carefree living! Don't miss this opportunity to own a charming home in one of the area's most desirable 55+ waterfront communities. The marina offers a boat ramp and boat slips (check for availability) for an additional monthly fee. There is also a storage are for RV's and trailers for an additional monthly fee.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history193 days on market
- Status: ActiveApr 12, 2026
- Listed$185,000Oct 11, 2025
- Price reduced$159,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Manufactured Home
- Status
- Active
- Days on market
- 193
- Subdivision
- Harbor Oaks Homeowners Cooperative Sub
- County
- Lake
- Year built
- 1979
- Living area
- 1,152 sq ft
- Price/sq ft
- $139
- Building area
- 1,922 sq ft (Public Records)
- Lot size
- 3,818 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Annual taxes
- $1,111 (2024)
- Parcel #
- 10-19-24-0225-000-17600
- Zoning
- RMRP
- MLS #
- G5103227
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl, Tile
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Open Floorplan, Split Bedroom
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Carport
- Yes
HOA & Financial
- HOA fee
- $125 / Monthly
- Monthly HOA
- $125/mo
- Total monthly fees
- $125/mo
- Total annual fees
- $1,500
- HOA name
- Rhonda
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Cash, Other
- Ownership
- Co-op
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Tenants must be approved
- Approval process
- Go to office for application and process
Exterior & Construction
- Construction materials
- Metal Siding, Frame
- Roof
- Metal, Roof Over
- Foundation
- Crawlspace
- Road surface
- Asphalt
Utilities
- Sewer
- Private Sewer
- Water source
- Private
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Water Connected
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 24x11.5 |
| Dining Room | First | 10x10.9 |
| Florida Room | First | 10x20 |
| Kitchen | First | 11x11 |
| Primary Bedroom | First | 11.4x14.9 |
| Bedroom 2 | First | 9.2x15.8 |
| Workshop | First | 11.4x12.2 |
Listing Details
- Listing date
- 2025-10-11
- On market date
- 2025-10-11
- Original list price
- $185,000
- Occupant type
- Vacant
- MLS area
- 34731 - Fruitland Park
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-04-12
- Tax legal description
- HARBOR OAKS HOMEOWNERS COOPERATIVE SUB UNIT 176 ORB 1342 PG 65 ORB 1548 PG 91 ORB 3413 PG 1370 ORB 4645 PG 144
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Hwy 441/27 to Picciola Rd, right into Harbor Oaks, Follow Harbor Oaks Dr to cul-de-sac. Park on cul-de-sac, walk to house.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of April 30, 2026 at 7:07 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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