CENTURY 21 Edge
$1,275,0003 bd3 ba3,887 sqft$328 /sqft$8,252 /mo all-in ↓

81 MILLHOLLAND STREET, OAKLAND, FL, 34760

Active3 days on marketListed Sep 17, 2026MLS #O6442710

WaterfrontSingle Family ResidenceSOUTHERN OAKS AT OAKLAND SHORES

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Upcoming open house

Sun, Sep 20

1:00 PM – 4:00 PM

About this home

81 MILLHOLLAND STREET

Virtually Staged. Some homes are defined by finishes. Others are defined by a setting that simply cannot be recreated. Tucked along the shoreline of Lake Apopka in historic Oakland, this 3,887 square-foot custom residence offers something increasingly difficult to find in Central Florida: substantial living space, privacy, mature surroundings and expansive lake views, all just minutes from Winter Garden. The experience begins on the approach. Crest the hill toward Millholland Street and Lake Apopka comes into view before the home settles into its private setting below. Step through the front door and your attention returns immediately to the water. A dramatic two-story living space, sweeping wood staircase and expansive windows fill the home with natural light and lake views from nearly every room. The spacious floor plan features three bedrooms, three full baths, a dedicated office and a spacious upstairs loft/bonus room. The first-floor primary suite offers privacy, custom closets and stunning lake views. A second bedroom and full bath are also downstairs, offering flexibility for guests or multigenerational living. At the center of the home, the kitchen opens to the surrounding living spaces with a panoramic view of the lake. Portions of the interior retain its original character, presenting an opportunity to update the kitchen and baths to your own style while preserving the architecture and generous proportions of the home. The enclosed main-floor patio creates a comfortable living space extension overlooking the water. Both the upstairs bedroom and the loft with wet bar lead to a large open-air deck with elevated views across Lake Apopka. Approximately 52 feet of natural shoreline provides privacy and a front-row seat to the area's native wildlife- ospreys, bald eagles, herons and other birdlife. Intentionally maintained as a natural shoreline rather than a recreational waterfront, creating a peaceful buffer between the home and the lake. The oversized three-car garage is equally impressive. Designed as a serious workshop, it features built-in cabinetry and pegboard, numerous electrical outlets, a pneumatic system with quick-connect ceiling hose reels, and additional storage and a garage-attic winch. A large private driveway provides plenty of parking and easy turnaround. The property has also benefited from numerous improvements, including an architectural-shingle roof, replacement double-pane windows, French doors and sliding glass doors, an enlarged upper deck, newer water heater, cooktop, microwave and carpet, HVAC servicing, duct cleaning, electrical evaluation and corrective work, septic servicing, irrigation improvements, restored drainage swale and additional landscaping. The fireplace and chimney have also been serviced, along with extensive pest-exclusion work. Beyond the property, Oakland offers the oak-lined streets and small-town character that make this corner of Central Florida so distinctive. The West Orange Trail, Oakland Town Center, historic Downtown Winter Garden and Plant Street are all nearby, along with convenient access to shopping, dining and major roadways. Kitchens and bathrooms can be transformed. A private Lake Apopka setting, substantial custom architecture, two levels of outdoor living and views like these are much harder to replicate. Modernize what you want. Preserve what you love. The lake, the views and the setting are already here.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,887

Sqft

0.65 ac

Lot size

3

Garage

2001

Year built

Two

Levels

$328

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGarage Door Opener · Off Street · Open · Oversized · Workshop in Garage
ExteriorOther

Community & fees

HOA fee$77/mo
Taxes (2026)$7,890/yr
PetsYes
CommunityFishing · Deed Restrictions · Golf Carts OK · Sidewalks

Utilities & systems

UtilitiesPublic
WaterCanal/Lake For Irrigation · Public

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.

$8,252 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property tax — 2026 actual bill$658
HOA fee — from the listing$77
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $127,500
Interest rate6.00%
Loan term

Estimated payment

$8,252/mo

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property taxes (actual bill)$658
HOA / condo fee$77
Est. insurance$160

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.

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.

$/sqft vs Oakland actives

$328 vs $276

Days on market

3 vs 95 typical

Where $328/sqft sits among the 30 Oakland actives

13
4 · this home
2
3
0
8
$196–265$265–334$334–404$404–473$473–542$542+

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 Southern Oaks At Oakland Shores

Drive times from this address

Downtown Orlando22 min
Universal Orlando25 min
Walt Disney World32 min
Orlando Int’l Airport (MCO)36 min

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

Get to know Oakland. See the full Oakland guide →

Southern Oaks At Oakland Shores — neighborhood snapshot

Population

191

Median age

46

Median income

$127,917

Median home value

$571,500

Avg household

3

Households w/ children

24%

For the school run

Orange County School District

ElementaryTildenville Elementary★★★★
MiddleLakeview Middle★★★★★
HighWest Orange High★★★★

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

The numbers that matter

The Oakland market

Seller’s marketSeller’s market2.3 months of inventoryBuyer’s market

$605K$697K

Oakland median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

9 of 30

Oakland actives have cut their price

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

This home is listed 22% above the OAKLAND 34760 median. See the full Oakland market guide →

Paper trail

This home's history

Sep 17, 2026Listed at $1,275,000 · 3 days on market since
2001Built · SOUTHERN OAKS AT OAKLAND SHORES

Reality check

What actually sold near 81 MILLHOLLAND STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

100 DEMENS STREETSold · Sep ’25

$950,000

100 DEMENS STREET · same community

4 bd · 3 ba · 3,025 sqft · $314/sqft · 100 DOM

1204 WATER MAPLE DRIVESold · Jun ’26

$2,353,078

1204 WATER MAPLE DRIVE

4 bd · 5 ba · 3,902 sqft · $603/sqft · 0 DOM

1118 SARAH MATHEWS DRIVESold · Feb ’26

$2,300,000

1118 SARAH MATHEWS DRIVE

4 bd · 5 ba · 3,902 sqft · $589/sqft · 26 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 81 MILLHOLLAND STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 81 MILLHOLLAND STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

81 MILLHOLLAND STREET FAQs

What would the monthly payment be for 81 MILLHOLLAND STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,252/mo — principal and interest, the actual property-tax bill, the $77/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 81 MILLHOLLAND STREET?+

The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 81 MILLHOLLAND STREET?+

The most recent tax bill on record (2026) was $7,890. 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 81 MILLHOLLAND STREET?+

The listing reports pets: 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 Oakland?+

At $1,275,000, this home is listed about 19% above the Oakland median of $1,067,500. The market section on this page shows how the area is trending.

Which schools are assigned to 81 MILLHOLLAND STREET?+

Tildenville Elementary (elementary), Lakeview Middle (middle), West Orange High (high) — Orange 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

$1,275,000 runs 22% above the OAKLAND 34760 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 3 days on market in a Oakland market that averages 95 — if it fits, move quickly.

04Strong assigned schools

Tildenville Elementary, Lakeview Middle, West Orange High — Tildenville Elementary rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Bobby Baldor, PA. MLS #O6442710.

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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