Lot K4 BLUE HERON CIRCLE, DEER ISLAND, FL, 32778
Active486 days on marketListed Apr 9, 2025MLS #TB8371366
About this home
Lot K4 BLUE HERON CIRCLE
RARE WATERFRONT LOT OVERLOOKING MT. DORA, ONE OF THE LAST AVAILABLE WATER LOTS IN DEER ISLAND Welcome to Lot K4, one of the last premier lakefront lots available in the exclusive, gated community of Deer Island—a 400-acre natural paradise surrounded by Lake Dora and Lake Beauclaire, part of the renowned Harris Chain of Lakes. The property is staked, it's high, dry and ready to go. It's fully graded and trenched with a survey ready and transferrable to the new owner. Located on beautiful Lake Dora with full views of downtown Mt. Dora. You can build the home of your dreams and add a boat dock, 100' of frontage on Lake Dora. Enjoy incredible privacy, native wildlife, and stunning sunsets over the lake, all from your own backyard. Golf cart-friendly roads, scenic walking trails, and peaceful surroundings make this a truly unique place to live. Located less than 5 minutes by boat to historic downtown Mount Dora, you’ll enjoy year-round festivals, dining, and boutique shopping. Only 45 minutes to Orlando and The Villages, Deer Island combines tranquil island living with unbeatable access to Central Florida’s best destinations. There is a survey available and is transferable to the new buyer. The property is cleared, staked, it's high, dry and ready to go. It's fully graded and trenched. Located on beautiful Lake Dora with full views of downtown Mt. Dora. You can build the home of your dreams and add a boat dock, 100' of frontage on Lake Dora.
Facts & features
The home at a glance
1.28 ac
Lot size
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.
$5,166 /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
$5,166/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.
Where it sits
Inside Deer Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deer Island. See the full Deer Island guide →
DEER ISLAND 32778 — neighborhood snapshot
Population
25,099
Median age
53.8
Median income
$61,815
Median home value
$241,500
Avg household
2.16
Households w/ children
2,209
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deer Island market
$440K → $390K
Deer Island median sold, yr/yr
90.3%
Sale-to-list ratio (12 mo)
Median sold price, Deer Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 146% above the DEER ISLAND 32778 median. See the full Deer Island market guide →
Paper trail
This home's history
Reality check
What actually sold near Lot K4 BLUE HERON CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,700,000
17585 DEER ISLE CIRCLE · same community
5 bd · 4 ba · 3,258 sqft · $522/sqft · 0 DOM
Sold · Aug ’25$1,850,000
260 DEER ISLE DRIVE · same community
5 bd · 4.5 ba · 4,714 sqft · $392/sqft · 702 DOM
Sold · Apr ’26$2,775,000
17737 DEER ISLE CIRCLE · same community
5 bd · 4 ba · 4,886 sqft · $568/sqft · 32 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 Lot K4 BLUE HERON CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot K4 BLUE HERON CIRCLE — 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
Lot K4 BLUE HERON CIRCLE FAQs
What would the monthly payment be for Lot K4 BLUE HERON CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,166/mo — principal and interest, the actual property-tax bill, the $105/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 Lot K4 BLUE HERON CIRCLE?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on Lot K4 BLUE HERON CIRCLE?+
The most recent tax bill on record (2024) was $3,412. 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 Lot K4 BLUE HERON CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 Deer Island?+
At $799,999, this home is listed about 48% above the Deer Island median of $539,000. The market section on this page shows how the area is trending.
Which schools are assigned to Lot K4 BLUE HERON CIRCLE?+
Tavares High School (high), Tavares Elementary School (elementary), Tavares Middle School (middle) — 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
$799,999 runs 146% above the DEER ISLAND 32778 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
486 days on market against a Deer Island median of 147 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KEYS TO THE BAY REAL ESTATE · Michelle Wall. MLS #TB8371366.
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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