4538 OAK STREET, FRUITLAND PARK, FL, 34731
Active77 days on marketListed May 28, 2026MLS #G5112990
About this home
4538 OAK STREET
PRICED BELOW RECENT APPRAISAL IN JULY! Looking for freedom, privacy, and value without HOA fees or deed restrictions? This well-maintained 3-bedroom, 2-bath home offers a rare opportunity to enjoy true Florida living with room for your boat, RV, work trailer, pets, hobbies, and more. Fully fenced in the front, side, and back yards, this property provides security, flexibility, and peaceful surroundings that are becoming harder to find. One of the property’s best features is the incredible backyard setting backing up to hundreds of acres of privately owned land, creating beautiful open pasture views and added privacy with no close rear neighbors. Enjoy relaxing mornings or evening sunsets from the large backyard deck overlooking the neighboring countryside. Inside, the split-bedroom floor plan offers comfortable living with a spacious living room, dining area, volume ceilings, ceiling fans, and an inside laundry room. The primary suite includes a walk-in closet and private bath, while the light-filled enclosed front porch with ceiling fan and two exit doors adds flexible living space perfect for relaxing or entertaining. The property also includes outstanding storage and utility features with two separate sheds. The front shed houses the irrigation well, separate house well, and water softener system. The rear workshop/storage shed includes electric, window A/C, very dry storage space, and a durable metal roof. Mature landscaping, oak trees, and fruit trees complete the property, while nearby lake access and boat ramps make this an ideal location for outdoor enthusiasts. A rare combination of privacy, usable land, storage, and freedom with no HOA restrictions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,356
Sqft
0.24 ac
Lot size
1987
Year built
One
Levels
$107
Per sqft
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 — not generic estimates.
$1,144 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,144/mo
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.
vs edgeAI estimate
−28.5%
$/sqft vs Fruitland Park actives
$107 vs $190
Days on market
77 vs 44 typical
Where $107/sqft sits among the 72 Fruitland Park actives
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fruitland Park market
$345K → $265K
Fruitland Park median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
33 of 72
Fruitland Park actives have cut their price
Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 4538 OAK STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$195,000
4538 PINE STREET · same community
3 bd · 2 ba · 1,264 sqft · $154/sqft · 296 DOM
Sold · Jul ’26$241,450
4601 OAK STREET · same community
3 bd · 2 ba · 1,248 sqft · $193/sqft · 84 DOM
Sold · Mar ’26$219,900
4720 OAK STREET · same community
3 bd · 2 ba · 1,478 sqft · $149/sqft · 234 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4538 OAK STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4538 OAK STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4538 OAK STREET FAQs
What would the monthly payment be for 4538 OAK STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,144/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 4538 OAK STREET?+
The most recent tax bill on record (2025) was $806. 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 $144,900, this home is listed about 57% below the Fruitland Park median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4538 OAK STREET?+
Fruitland Park 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.
Keep looking
Similar homes nearby
Listing courtesy of BLACK TIE REALTY, INC. · Mark Dyer. MLS #G5112990.
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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