1706 LIVE OAK DRIVE, DEER ISLAND, FL, 32778
Active373 days on marketListed Jul 26, 2025MLS #TB8411258
About this home
1706 LIVE OAK DRIVE
OVER 100 FEET OF DIRECT LAKE BEAUCLAIRE FRONTAGE – RARE WATERFRONT LOT IN DEER ISLAND Welcome to Lot 35, 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. This oversized lot offers 100+ feet of WATER frontage on Lake Beauclaire, panoramic water views, and sits on just under an acre of land with minimal clearing needed—making it ready for your custom dream home. Enjoy incredible privacy, native wildlife, and stunning sunsets over the lake, all from your own backyard. Deer Island offers residents access to top-tier amenities including an 18-hole championship golf course, private clubhouse with dining, tennis courts, resort-style pool, and a boat dock. 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. Build your lakefront lifestyle today. This is one of the last opportunities to own direct lake access in this one-of-a-kind community. Survey available.
Facts & features
The home at a glance
1 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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$3,300/mo median
Live Deer Island rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full 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 145% 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 1706 LIVE OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$390,000
18134 EAGLES WAY · same community
3 bd · 2 ba · 1,772 sqft · $220/sqft · 118 DOM
Sold · Mar ’26$357,000
30433 ISLAND CLUB DRIVE · same community
3 bd · 2 ba · 1,786 sqft · $200/sqft · 68 DOM
Sold · Nov ’25$420,000
18114 EAGLES WAY · same community
3 bd · 2 ba · 1,851 sqft · $227/sqft · 7 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 1706 LIVE OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1706 LIVE OAK 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
1706 LIVE OAK DRIVE FAQs
What would the monthly payment be for 1706 LIVE OAK DRIVE?+
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 1706 LIVE OAK DRIVE?+
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 1706 LIVE OAK DRIVE?+
The most recent tax bill on record (2024) was $3,410. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1706 LIVE OAK DRIVE be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1706 LIVE OAK DRIVE?+
The listing reports pets: Cats OK, 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 Deer Island?+
At $799,999, this home is listed about 24% above the Deer Island median of $643,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1706 LIVE OAK DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$799,999 runs 145% above the DEER ISLAND 32778 median.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Time on market is leverage
373 days on market against a Deer Island median of 85 — 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 #TB8411258.
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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