240 W 7TH STREET, CHULUOTA, FL, 32766
Active52 days on marketListed Jun 17, 2026MLS #O6406820
About this home
240 W 7TH STREET
Experience lakefront living on beautiful Horseshoe Lake in the heart of Chuluota, where you have the most beautiful sunsets imaginable. Nestled on a sprawling waterfront homesite with direct lake access, this custom residence combines timeless craftsmanship, thoughtful updates, and breathtaking views to create a truly special retreat. From the moment you step inside, you'll be captivated by the soaring 33-foot vaulted ceilings, dramatic wall of windows, and stunning views of the lake beyond. At the center of the main living space is a striking Rumford fireplace, serving as both a focal point and gathering place while adding warmth and character to the home. Natural light fills the expansive living and dining areas, creating an inviting atmosphere for everyday living and entertaining. The updated kitchen features modern finishes and appliances while maintaining a seamless connection to the home's main living spaces and spectacular waterfront backdrop. Downstairs, a flexible bonus space offers the perfect opportunity to create a private in-law suite, complete with the potential for separate access, making it ideal for multigenerational living, long-term guests, or a home office. A quaint bonus room overlooking the lake is tucked just off the primary suite. This charming space features a unique spiral staircase providing private access from the outdoor screened enclosure, creating a seamless indoor-outdoor connection. Ideal as a serene reading room, cozy lounge, home office, or creative sanctuary, all enhanced by peaceful water views Outside, the lifestyle opportunities are endless. Enjoy boating, fishing, paddleboarding, or simply relaxing by the water from your private dock and boathouse. The finished upper level of the boathouse provides additional space for entertaining, relaxing, or taking in panoramic views of Horseshoe Lake. A detached front shed/workshop offers even more flexibility for hobbies, storage, or creative projects. This home has been extensively improved and meticulously maintained, including: • Replumbed (2020) • Interior repainted and new railings installed (2020) • New water softener and purification system (2021) • Front shed/work studio added (2021) • New upstairs air handler (2022) • Screened porch enclosure added (2023) • New sprinkler system pump (2026) • Kitchen renovation and new appliances (2023) • Two bathroom renovations (2024) • Downstairs foyer, bedroom, and bathroom retiled (2024) • Custom woodwork improvements (2024) • New roof (2024) • New carpet (2024) • Finished upper level of boathouse (2024) Offering a rare combination of lakefront living, extensive recent upgrades, flexible living spaces, and direct access to one of Seminole County's most beautiful lakes, this is a property that must be experienced in person. Only 20 minutes from UCF and 30 minutes to the airport!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
4,128
Sqft
1.15 ac
Lot size
3
Garage
1991
Year built
Two
Levels
$363
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.
$9,337 /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
$9,337/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.
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 Chuluota actives
$363 vs $299
Days on market
52 vs 56 typical
Where $363/sqft sits among the 20 Chuluota actives
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 Chuluota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Chuluota. See the full Chuluota guide →
CHULUOTA 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Chuluota market
$584K → $735K
Chuluota median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
12 of 20
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 125% above the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 240 W 7TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$424,900
270 W 2ND STREET · same community
3 bd · 2 ba · 1,892 sqft · $225/sqft · 4 DOM
Sold · Apr ’26$371,500
560 E 2ND STREET · same community
4 bd · 2 ba · 1,739 sqft · $214/sqft · 9 DOM
Sold · Jan ’26$310,000
541 E 3RD STREET · same community
3 bd · 2 ba · 1,702 sqft · $182/sqft · 69 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 240 W 7TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 240 W 7TH STREET — 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
240 W 7TH STREET FAQs
What would the monthly payment be for 240 W 7TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,337/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 240 W 7TH STREET?+
The most recent tax bill on record (2024) was $6,318. 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 240 W 7TH STREET?+
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 Chuluota?+
At $1,499,000, this home is listed about 52% above the Chuluota median of $985,000. The market section on this page shows how the area is trending.
Which schools are assigned to 240 W 7TH STREET?+
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
$1,499,000 runs 125% above the CHULUOTA 32766 median — but at 4,128 sqft it's also 33% larger than the typical Chuluota 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.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6406820.
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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