David Ramirez
$5,990,0007 bd5.5 ba7,879 sqft$760 /sqft$36,288 /mo all-in ↓

680 LAKE MILLS ROAD, OVIEDO, FL, 32766

Active53 days on marketListed Jun 16, 2026MLS #NS1088510

WaterfrontPrivate poolSingle Family ResidenceNONE

About this home

680 LAKE MILLS ROAD

One or more images have been virtually staged. Experience luxury lakefront living on the crystal-clear, spring-fed waters of private Lake Mills, one of Central Florida's most sought-after ski lakes. Boasting 200 feet of shoreline, this custom-built Beau Einheight estate offers a rare combination of waterfront recreation, equestrian potential, privacy, and convenience in Seminole County's top-rated school district. Built in 2009 with exceptional craftsmanship, the home features fully insulated concrete block construction for outstanding energy efficiency, durability, and sound insulation. Designed for both everyday comfort and large-scale entertaining, the thoughtfully designed floor plan includes a first-floor primary suite, private office, elevator, wine cellar, and butler's pantry. The chef's kitchen serves as the heart of the home, featuring Thermador appliances, a gas range, custom Busby cabinetry, an oversized center island, and a hidden door leading to an expansive walk-in pantry. Throughout the residence, unique architectural details and hidden spaces add character and functionality, including a secure safe room concealed behind the office and an additional 800-square-foot hidden bonus area upstairs. Outdoor living is nothing short of spectacular. The vanishing-edge pool and spa overlook the lake and are surrounded by an expansive travertine deck and summer kitchen, creating the perfect setting for entertaining or relaxing while enjoying panoramic water views. Just beyond, the custom Hodgkins-built dock is equipped with both boat and jet ski lifts, providing immediate access to boating, skiing, wakeboarding, and fishing on Lake Mills. A spacious game room with a full bar opens directly to the pool area, seamlessly blending indoor and outdoor living. The property is equally appealing for equestrian enthusiasts, offering room for horses, no HOA restrictions, and the potential for agricultural tax benefits. Despite its private setting, the estate is conveniently located just minutes from UCF, Orlando International Airport, downtown Orlando, major employment centers, and Central Florida's renowned attractions, while remaining less than an hour from the coast. A truly rare opportunity to own one of Lake Mills' most impressive waterfront estates, where luxury, recreation, and privacy come together in an exceptional setting.

Facts & features

The home at a glance

7

Bedrooms

5.5

Bathrooms

7,879

Sqft

10.09 ac

Lot size

4

Garage

2009

Year built

Two

Levels

$760

Per sqft

Private poolWaterfrontFireplaceNegotiable

Inside

FlooringCarpet · Travertine
AppliancesDishwasher · Dryer · Ice Maker · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Elevator · High Ceilings · Kitchen/Family Room Combo · L Dining · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingPropane
FurnishedNegotiable

Outside & construction

RoofConcrete
ConstructionBlock · Concrete · Stone · Stucco · Wood Frame
FoundationSlab
FacesSouth
ParkingCircular Driveway
ExteriorLighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters

Community & fees

Taxes (2025)$18,716/yr

Utilities & systems

UtilitiesPublic
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$36,288 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$32,322
PMI (est., until 20% equity)$2,246
Property tax — 2025 actual bill$1,560
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $599,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $599,000
Interest rate6.00%
Loan term

Estimated payment

$36,288/mo

Principal & interest$32,322
PMI (est., until 20% equity)$2,246
Property taxes (actual bill)$1,560
Est. insurance$160

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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs NONE

$760 vs $341

Days on market

53 vs 33 typical

Where $760/sqft sits among the 273 homes for sale in NONE

148
61
19 · this home
17
11
17
$140–357$357–573$573–790$790–1006$1006–1223$1223+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Oviedo

Map of 680 LAKE MILLS ROAD

Drive times from this address

Downtown Orlando32 min
Orlando Int’l Airport (MCO)41 min
Universal Orlando45 min
Walt Disney World57 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Oviedo. See the full Oviedo guide →

OVIEDO 32766 — neighborhood snapshot

Population

15,966

Median age

42.2

Median income

$146,215

Median home value

$529,600

Avg household

3.18

Households w/ children

2,393

For the school run

Seminole County School District

ElementaryWalker Elementary School★★★★
MiddleChiles Middle School★★★★
HighHagerty High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Oviedo market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s market

$530K$540K

Oviedo median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

108 of 273

NONE have cut their price

Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 801% above the OVIEDO 32766 median. See the full Oviedo market guide →

Paper trail

This home's history

Jun 16, 2026Listed at $5,990,000 · 53 days on market since
2009Built · NONE

Reality check

What actually sold near 680 LAKE MILLS ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

15650 W HIGHWAY 318Sold · Dec ’25

$3,200,000

15650 W HIGHWAY 318 · same community

5 bd · 5.5 ba · 4,600 sqft · $696/sqft · 158 DOM

7320 MARLO ROADSold · Jul ’26

$311,760

7320 MARLO ROAD · same community

3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM

301 CLARK STREETSold · Jan ’26

$410,000

301 CLARK STREET · same community

4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 680 LAKE MILLS ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 680 LAKE MILLS ROAD — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

680 LAKE MILLS ROAD FAQs

What would the monthly payment be for 680 LAKE MILLS ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $36,288/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 680 LAKE MILLS ROAD?+

The most recent tax bill on record (2025) was $18,716. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Oviedo?+

At $5,990,000, this home is listed about 1063% above the Oviedo median of $514,900. The market section on this page shows how the area is trending.

Which schools are assigned to 680 LAKE MILLS ROAD?+

Walker Elementary School (elementary), Chiles Middle School (middle), Hagerty High School (high) — Seminole 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

$5,990,000 runs 801% above the OVIEDO 32766 median — but at 7,879 sqft it's also nearly 4 times the size of the typical Oviedo listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Walker Elementary School, Chiles Middle School, Hagerty High School — Walker Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLLADO REAL ESTATE · Chad Erickson. MLS #NS1088510.

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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