23705 MILFORD DRIVE, EUSTIS, FL, 32736
Active4 days on marketListed Jul 15, 2026MLS #O6425151
About this home
23705 MILFORD DRIVE
Stunning 4-bedroom, 3-bath lakefront home on a private 1-acre lot located in the highly desirable Estates at Bear Reserve. This beautiful property offers breathtaking water views, spacious living areas, and a large lanai perfect for relaxing or entertaining while enjoying peaceful Florida sunsets. Nestled in one of Lake County's premier golf course communities, this home provides the perfect combination of privacy, natural beauty, and upscale living with rolling hills and custom estate homes throughout the neighborhood. Conveniently located near Mount Dora, Eustis, shopping, dining, and major highways, and less than an hour drive to Walt Disney World and Orlando attractions, this exceptional lakefront home the ideal balance of luxury and location. A true gem in one of Lake County's premier communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,023
Sqft
1.07 ac
Lot size
2
Garage
2007
Year built
One
Levels
$170
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.
$4,144 /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
$4,144/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.
vs edgeAI estimate
−23.5%
$/sqft vs Eustis actives
$170 vs $208
Days on market
4 vs 36 typical
Where $170/sqft sits among the 200 Eustis 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 Eustis
Drive times from this address
Get to know Eustis. See the full Eustis guide →
EUSTIS 32736 — neighborhood snapshot
Population
11,582
Median age
49.5
Median income
$83,727
Median home value
$352,100
Avg household
2.76
Households w/ children
929
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Eustis market
$336K → $355K
Eustis median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
98 of 200
Eustis actives have cut their price
Median sold price, Eustis, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the EUSTIS 32736 median. See the full Eustis market guide →
Paper trail
This home's history
Reality check
What actually sold near 23705 MILFORD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$498,000
36602 HONEY TREE COURT · same community
4 bd · 3 ba · 3,029 sqft · $164/sqft · 4 DOM
Sold · Nov ’25$475,000
23717 MILFORD DRIVE · same community
4 bd · 3 ba · 3,029 sqft · $157/sqft · 41 DOM
Sold · Sep ’25$615,000
36914 BEE MEADOW COURT · same community
5 bd · 4 ba · 3,493 sqft · $176/sqft · 35 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 23705 MILFORD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23705 MILFORD DRIVE — 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
23705 MILFORD DRIVE FAQs
What would the monthly payment be for 23705 MILFORD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,144/mo — principal and interest, the actual property-tax bill, the $125/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 23705 MILFORD DRIVE?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23705 MILFORD DRIVE?+
The most recent tax bill on record (2025) was $7,196. 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 23705 MILFORD DRIVE?+
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 Eustis?+
At $514,900, this home is listed about 35% above the Eustis median of $382,500. The market section on this page shows how the area is trending.
Which schools are assigned to 23705 MILFORD DRIVE?+
Eustis Middle School (middle), Eustis High School (high), Eustis Elementary School (elementary) — 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
$514,900 runs 11% above the EUSTIS 32736 median — but at 3,023 sqft it's also 58% larger than the typical Eustis listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Eustis market that averages 36 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 CARIOTI · Tatica Maxwell. MLS #O6425151.
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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