4325 WATER OAK LANE UNIT 54, ZELLWOOD, FL, 32798
Pending638 days on marketListed Nov 18, 2024MLS #O6258240
About this home
4325 WATER OAK LANE UNIT 54
Discover the ideal lifestyle in the sought-after 55+ golf community of Zellwood Station. This exquisitely furnished property on owned land covers 2010 square feet, offering generous space. The home has undergone renovations including new drywall, a fresh layer of paint, and laminate flooring throughout. The kitchen is equipped with modern appliances, while the master bedroom boasts a walk-in closet with convenient direct access to the laundry room. All bathrooms have been modernized with new fixtures. Moreover, there is an expansive, screened patio perfect for enjoying morning coffee or evening beverages. The entryway is adorned with a storm-resistant stained front door. Zellwood Station provides the pinnacle of active retirement living, with a modest HOA fee covering lawn care, internet, and 24-hour gated security, along with amenities like four pools, pickleball courts, shuffleboard, and the WhistleStop Restaurant for enjoyable meals. An additional fee grants access to the well-kept golf course. The community's location off the 429 Expressway allows for effortless travel to downtown Orlando, hospitals, airports, and various attractions. Just a 20-minute drive away is the historic Mt. Dora, celebrated for its dining, shopping, and year-long festivals. This beautifully renovated furnished home in Zellwood Station is a must-visit. This property is priced below Property Tax Market Value. Contact us today to arrange your viewing and take the first step to make it your own.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,010
Sqft
0.14 ac
Lot size
1976
Year built
One
Levels
$94
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 and the real association fee — not generic estimates.
$1,750 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,750/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 ZELLWOOD STATION
$94 vs $103
Days on market
638 vs 84 typical
Where $94/sqft sits among the 8 homes for sale in ZELLWOOD STATION
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 Zellwood Station
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zellwood. See the full Zellwood guide →
Zellwood Station — neighborhood snapshot
Population
1,476
Median age
68
Median income
$46,225
Median home value
$149,505
Avg household
2
Households w/ children
16%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zellwood market
$280K → $152K
Zellwood median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
5 of 8
ZELLWOOD STATION have cut their price
Median sold price, Zellwood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the ZELLWOOD 32798 median. See the full Zellwood market guide →
Paper trail
This home's history
Reality check
What actually sold near 4325 WATER OAK LANE UNIT 54
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$120,000
2673 CAYMAN CIRCLE UNIT R-38 · same community
2 bd · 2 ba · 1,818 sqft · $66/sqft · 476 DOM
Sold · Nov ’25$160,000
2150 CANOPY CIRCLE E UNIT 156 · same community
2 bd · 2 ba · 1,610 sqft · $99/sqft · 116 DOM
Sold · Jul ’26$127,000
3302 EVERGREEN ROAD UNIT 1715 · same community
2 bd · 2 ba · 1,608 sqft · $79/sqft · 125 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4325 WATER OAK LANE UNIT 54 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4325 WATER OAK LANE UNIT 54 — 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
4325 WATER OAK LANE UNIT 54 FAQs
What would the monthly payment be for 4325 WATER OAK LANE UNIT 54?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,750/mo — principal and interest, the actual property-tax bill, the $236/mo association fee 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.
How much are the HOA fees at 4325 WATER OAK LANE UNIT 54?+
The association fee works out to $236 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4325 WATER OAK LANE UNIT 54?+
The most recent tax bill on record (2023) was $1,969. 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 4325 WATER OAK LANE UNIT 54?+
The listing reports pets: Dogs OK. 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 Zellwood?+
At $188,000, this home is listed about 8% above the Zellwood median of $174,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4325 WATER OAK LANE UNIT 54?+
Wolf Lake Middle (middle), Zellwood Elementary (elementary), Apopka High (high) — Orange 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
$188,000 runs 34% above the ZELLWOOD 32798 median — but at 2,010 sqft it's also 40% larger than the typical Zellwood listing.
02Time on market is leverage
638 days on market against a Zellwood median of 84 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $210,000, now $188,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ZELLWOOD PROPERTIES LLC · Barbara Riddell. MLS #O6258240.
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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