5521 OAK STREET, MOUNT DORA, FL, 32757
Active139 days on marketListed Mar 6, 2026MLS #S5145286
About this home
5521 OAK STREET
Is there a 4-bedroom home in Mount Dora with a private apartment and no HOA? Welcome to 5521 Oak Street, a fully renovated property offering rare flexibility with a separate 1-bedroom, 1-bath private apartment. With its own entrance, full kitchen, spacious living area, large custom closet, and beautifully designed bathroom, the apartment lives like an entirely independent home. This setup is ideal for multigenerational living, guests, rental income, or a private office or creative studio. The main residence features 3 bedrooms and 2 bathrooms, thoughtfully renovated to blend modern finishes with comfortable, functional living spaces. Updated interiors, natural light, and a practical layout create a home that feels both welcoming and move-in ready. Major system upgrades provide long-term peace of mind for the next owner. The property includes a new shingle roof installed in 2026, and an A/C system replaced in 2024. Additional infrastructure improvements include PVC and PEX plumbing, helping ensure reliability and efficiency. Additional highlights include: * Private 1-bedroom apartment with full kitchen and separate entrance * Updated vinyl double-pane windows for energy efficiency * Renovated interiors with modern finishes throughout * Spacious living areas designed for everyday comfort * 2-car garage with ample storage * No HOA and no CDD fees Location is another standout feature. This home sits just minutes from Downtown Mount Dora, one of Central Florida’s most beloved historic lakefront towns. Residents enjoy easy access to Lake Dora sunsets, award-winning restaurants, local coffee shops, art galleries, boutique shopping, and nationally recognized festivals throughout the year. Whether you’re looking for a 4-bedroom home in Mount Dora with income potential, space for extended family, or a flexible property that adapts to your lifestyle, 5521 Oak Street offers a rare opportunity. Fully renovated homes with a true private apartment in Mount Dora are hard to find, making this property a standout option for buyers seeking comfort, versatility, and long-term value in a prime location.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,939
Sqft
0.33 ac
Lot size
2
Garage
1990
Year built
One
Levels
$199
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.
$3,901 /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
$3,901/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.
vs edgeAI estimate
+10.6%
Days on market
139 vs 50 typical
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 Tangerine Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mount Dora. See the full Mount Dora guide →
Tangerine Village — neighborhood snapshot
Population
233
Median age
44
Median income
$104,632
Median home value
$484,300
Avg household
3
Households w/ children
23%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mount Dora market
$450K → $453K
Mount Dora median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
Median sold price, Mount Dora, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the MOUNT DORA 32757 median. See the full Mount Dora 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 5521 OAK STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5521 OAK 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
5521 OAK STREET FAQs
What would the monthly payment be for 5521 OAK STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,901/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 5521 OAK STREET?+
The most recent tax bill on record (2024) was $4,375. 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 Mount Dora?+
At $584,990, this home is listed about 24% above the Mount Dora median of $469,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5521 OAK STREET?+
Zellwood Elementary (elementary), Wolf Lake Middle (middle), 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
$584,990 runs 33% above the MOUNT DORA 32757 median — but at 2,939 sqft it's also 38% larger than the typical Mount Dora listing.
02Time on market is leverage
139 days on market against a Mount Dora median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $614,990, now $584,990 — a $30K cut. The full history is in the market section below.
Listing courtesy of EXP REALTY LLC · Ceila Morales. MLS #S5145286.
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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