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5521 OAK STREET, Mount Dora, FL, 32757 | $599,990
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.
Features
- Rooms: 5
- Bedrooms: 4
- Baths: 3 full
- Laundry: Other
- Year Built: 1990
- Garage: 2-car
- Heating: Central, Electric
- Cooling: Central Air
- Approx Sq. Feet: 2,939
- Acreage: 0.33
- Est. Taxes: $4,375
- Lot Desc: In County
- Elem. School: Zellwood Elem
- Middle School: Wolf Lake Middle
- High School: Apopka High
- Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
- MLS#: S5145286
- Days on Market: 67 days
- Website: https://www.raveis.com
/prop/S5145286/5521oakstreet_mountdora_fl?source=qrflyer
Listing courtesy of EXP REALTY LLC Phone: 888-883-8509
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
5521 OAK STREET, Mount Dora, FL, 32757
$599,990
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $479,992 | $479,992 | $479,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.866% |
| Monthly Tax Payment | $365 | $365 | $365 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,878 | $2,995 | $3,954 |
| Total Monthly Payment | $3,335 | $3,452 | $4,411 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388