56633 OTTER ROAD, ASTOR, FL, 32102
Active196 days on marketListed Jan 8, 2026MLS #J996493
About this home
56633 OTTER ROAD
Enjoy Florida waterfront living with direct waterway access to Lake George, part of the St. Johns River system. This waterfront property features three covered power boat lifts, making boating, fishing, and cruising effortless, with access to nearby natural springs including Silver Glen Springs. Inside, the home offers a spacious primary bedroom with a fireplace and access to a private balcony overlooking the water, perfect for relaxing and enjoying river views. An apartment with separate access above the garage provides excellent flexibility for guests, extended family, or rental income. Located in the quiet waterfront community, this property is ideal as a full-time residence, weekend retreat, or investment opportunity.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,144
Sqft
0.5 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$573
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$11,300 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,300/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Astor
Get to know Astor. See the full Astor guide →
ASTOR 32102 — neighborhood snapshot
Population
2,401
Median age
59
Median income
$56,598
Median home value
$142,500
Avg household
1.94
Households w/ children
97%
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Astor market
$235K → $250K
Astor median sold, yr/yr
89.9%
Sale-to-list ratio (12 mo)
Median sold price, Astor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 650% above the ASTOR 32102 median. See the full Astor market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 56633 OTTER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 56633 OTTER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
56633 OTTER ROAD FAQs
What would the monthly payment be for 56633 OTTER ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,300/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 56633 OTTER ROAD?+
The most recent tax bill on record (2025) was $9,030. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 56633 OTTER ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Astor?+
At $1,800,000, this home is listed about 621% above the Astor median of $249,500. The market section on this page shows how the area is trending.
Which schools are assigned to 56633 OTTER ROAD?+
Spring Creek Charter School (elementary), Umatilla Middle School (middle), Umatilla High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,800,000 runs 650% above the ASTOR 32102 median — but at 3,144 sqft it's also nearly 3 times the size of the typical Astor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
196 days on market against a Astor median of 32 — sellers in this position are usually ready to negotiate.
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J996493.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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