CENTURY 21 Edge
$425,0003 bd2.5 ba2,236 sqft$190 /sqft$2,884 /mo all-in ↓

521 E MIRROR LAKE DRIVE, FRUITLAND PARK, FL, 34731

Active1 days on marketListed Sep 21, 2026MLS #G5118106

Single Family ResidenceFRUITLAND PARK MIRROR LAKE ESTATES

About this home

521 E MIRROR LAKE DRIVE

LAKE VIEWS, FLEXIBLE LIVING SPACE & AMAZING OUTDOOR ACCESS! Welcome to this beautifully maintained 3-bedroom, 2.5-bath home in Fruitland Park, Florida, offering a unique and versatile layout with an incredible ground-floor bonus space and beautiful lake views. Conveniently located close to shopping, restaurants, and entertainment, this home offers plenty of space, flexibility, and character. The main living area is located on the second floor and features three bedrooms, a spacious living room, dining area, kitchen, utility room, and two bathrooms. One of the bedrooms does not have a built-in closet, but the owner is leaving a nice armoire for storage. The kitchen features granite countertops and newer appliances, along with a new washer and dryer. The ice maker is currently not working. Both bathrooms are handicap accessible, including a convenient walk-in tub. One of the home's most exciting features is the ground-floor bonus area, currently being enjoyed as an amazing man cave complete with a large bar. This versatile space includes a kitchen and half bath and could also serve as an in-law suite, guest area, entertainment space, game room, home office, or additional living area. A shower could be added to make the space even more functional. Please note that the ground-floor A/C and refrigerator are currently not working. Just beside the bonus area is an oversized garage with a workshop in the rear, providing excellent space for vehicles, hobbies, projects, and storage. The outdoor space is equally impressive. A large double gate provides easy access into the fenced backyard, allowing you to drive directly into the rear of the property at the same level as the main portion of the home—an especially convenient feature for moving items, accessing the yard, or avoiding the stairs. The fenced backyard includes a nice storage shed and is beautifully maintained. Upstairs, the entire front of the main living level features a large deck overlooking the lake. Three sets of sliding glass doors bring the beautiful lake views inside, providing gorgeous scenery from much of the home's living space and creating a wonderful connection between indoor and outdoor living. Recent improvements include an approximately 2-year-old A/C system for the main living area, approximately 3-year-old roof, and new double-pane windows. Beautifully maintained inside and out, this one-of-a-kind property offers lake views, flexible living space, an oversized garage and workshop, a fenced yard, and a ground-floor area with tremendous potential. Come see all the possibilities this Fruitland Park home has to offer! Owner is related to Realitor.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,236

Sqft

0.36 ac

Lot size

2

Garage

1984

Year built

Two

Levels

$190

Per sqft

Water viewNegotiable

Inside

FlooringCarpet · Luxury Vinyl · Tile · Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationBlock
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener · Workshop in Garage
ExteriorBalcony · Sliding Doors · Storage

Community & fees

Taxes (2025)$415/yr

Utilities & systems

UtilitiesElectricity Connected · Propane · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,884 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$35
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$2,884/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$35
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $425K
$241KedgeAI estimate $431,508 · range $251K$673K$700K

vs edgeAI estimate

−1.5%

Days on market

1 vs 48 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 Fruitland Park

Drive times from this address

Downtown Orlando59 min
Universal Orlando61 min
Walt Disney World69 min
Orlando Int’l Airport (MCO)73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Fruitland Park. See the full Fruitland Park guide →

FRUITLAND PARK 34731 — neighborhood snapshot

Population

12,239

Median age

48.7

Median income

$63,329

Median home value

$185,900

Avg household

2.4

Households w/ children

978

For the school run

Lake County School District

ElementaryBeverly Shores Elementary School★★★★
MiddleCarver Middle School★★★★
HighLeesburg High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Fruitland Park market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$345K$277K

Fruitland Park median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 49% above the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →

Paper trail

This home's history

Sep 21, 2026Listed at $425,000 · 1 days on market since
1984Built · FRUITLAND PARK MIRROR LAKE ESTATES

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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 521 E MIRROR LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 521 E MIRROR LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

521 E MIRROR LAKE DRIVE FAQs

What would the monthly payment be for 521 E MIRROR LAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,884/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 521 E MIRROR LAKE DRIVE?+

The most recent tax bill on record (2025) was $415. 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 Fruitland Park?+

At $425,000, this home is listed about 25% above the Fruitland Park median of $339,900. The market section on this page shows how the area is trending.

Which schools are assigned to 521 E MIRROR LAKE DRIVE?+

Beverly Shores Elementary School (elementary), Carver Middle School (middle), Leesburg High School (high) — 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

$425,000 runs 49% above the FRUITLAND PARK 34731 median — but at 2,236 sqft it's also 25% larger than the typical Fruitland Park listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 1 day on market in a Fruitland Park market that averages 48 — if it fits, move quickly.

Listing courtesy of MICKI BLACKBURN REALTY · Cindy Newman. MLS #G5118106.

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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