520 LAKE MILLS ROAD, Chuluota, FL, 32766 | $1,995,000

Welcome to this 2 acre 4 bedroom, 3 and half bath with office LAKEFRONT ESTATE located on the spring fed, SKIABLE, Lake Mills in Seminole County!! You will be WOWED as you enter the NEW, ANDERSON front doors. GORGEOUS refinished engineered hardwood HICKORY WOOD flooring throughout. The GOURMET kitchen is a chef's dream with QUARTZITE countertops, TILE backsplash, GAS range and NEW Thermador refrigerator, BAR area with BUILT IN ice maker, making cooking a dream as you admire the lake from your ISLAND or BREAKFAST bar. The family room and dining room have beautiful SHIPLAP ceilings. FRENCH doors surround the SCREENED POOL LANAI to your backyard OASIS! The primary bedroom is DOWNSTAIRS for easy pool and lake visits. Upstairs you will find two LARGE bedrooms with ENSUITE bathrooms. These rooms have amazing lake views! The fourth bedroom is HUGE and can be used as a bonus room, workout area or the perfect flex room for your needs. PLANTATION SHUTTERS throughout. METAL ROOF in 2021, HVAC units 2023. The two car garage has plenty of storage, WORKSHOP area and a possible IN-LAW SUITE could easily be designed as there is already a FULL BATHROOM! RV and BOAT parking area and there is NO HOA! Take a walk to the backyard to your PRIVATE BOAT DOCK and RAMP with your own BOAT LIFT. You will enjoy the serene views, beautiful skies and true Florida living at its best! Fabulous Seminole schools, 10 minutes to shopping, 15 minutes to UCF and Seminole State College. 45 minutes to Kennedy Space Center and the beaches. Bring your boat, golf cart, and ALL your toys! Schedule your appointment today!!

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Inside
  • Year Built: 2003
  • Garage: 2-car Oversized, Workshop in Garage
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,664
  • Acreage: 1.98
  • Est. Taxes: $14,588
  • View: Water
  • Elem. School: Walker Elementary
  • Middle School: Chiles Middle
  • High School: Hagerty High
  • Pool: In Ground, Screen Enclosure
  • Appliances: Cooktop, Dishwasher, Dryer, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
  • MLS#: O6363535
  • Days on Market: 130 days
  • Website: https://www.raveis.com
    /eprop/O6363535/520lakemillsroad_chuluota_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/1/2026 8:32:08 AM)
Listing courtesy of Keller Williams Advantage Real   Phone: 407-977-7600

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

520 LAKE MILLS ROAD, Chuluota, FL, 32766

$1,995,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,596,000 $1,596,000 $1,596,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.259% 6.183%
Monthly Tax Payment $1,216 $1,216 $1,216
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $9,441 $9,697 $13,468
Total Monthly Payment $10,782 $11,038 $14,809

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.