5 Oak St, photo 1
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Overview

2 bd2 ba1,472 sqft1 car garageSingle Family
TypeSingle Family
HOA$1,100/yr
Built1972
Lot9,681 sqft
Living area1,472 sqft
Price / sqft$189
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenWalk-in Closet(s)Rain GuttersStorageClubhouseGolf Carts OKPool

5 Oak St is a 1972-built home in Spgs Bath & Yacht Club Unit 01, Yalaha. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,472 square feet of living space. Listed at $278,800 (about $189/sqft), 208 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,100 annually.

From the listing

LENDER INTEREST RATE BUY DOWN WITH ACCEPTABLE OFFER! PRICE IMPROVEMENT! Looking for an affordable home with lake access and a true Florida lifestyle? This one checks the boxes. Tucked inside the community of The Springs, this move-in ready 2 bedroom, 2 bath home offers a bright, open layout with thoughtful updates throughout. Fresh interior and exterior paint, new luxury vinyl plank flooring, and new carpet create a clean, neutral feel that’s easy to make your own. Natural light fills the home thanks to an abundance of windows, giving every room a light and welcoming atmosphere. The spacious living area is ideal for everyday living or entertaining, while the flexible bonus room in the back works perfectly as a home office, hobby space, or additional lounge area. Enjoy Florida living year round with both a screened front porch and a large enclosed rear lanai perfect for relaxing, entertaining, or simply enjoying the sunshine. What really sets this home apart is the lifestyle. Residents enjoy private access to Lake Harris, including a boat ramp, fishing pier, and canal access. The community also features a unique spring-fed pool (kept at a refreshing 72 degrees year round), plus a beach area, park, and recreational amenities. The HOA is affordable and even includes up to 15,000 gallons of spring water, helping keep monthly costs down. Conveniently located near Mount Dora, The Villages, and Orlando, you get the benefit of a peaceful lakefront community without sacrificing access to shopping, dining, and entertainment. If you’ve been waiting for an affordable way to enjoy lake life, this is a great opportunity - come and see today!

The essentials

Built
1972
Price / sqft
$189
On market
208 days
Annual tax
$3,859
HOA
$1,100/yr
Flood zone
X · Low risk
Lot
9,681 sqft
Type
Single Family Residence

At a glance

Single family
Built 1972
Community pool
Shared amenity
1 car garage
9,681 sqft lot
Lot size
1,472 sqft
Living area

Payment

Est. monthly payment
$2,007/mo
Down payment (20%)
$55,760
Property taxes
$322/mo
HOA
$1,100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1972
Lot
9,681 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
208
Ceiling Fans(s)
Eat-in Kitchen
Walk-in Closet(s)
Rain Gutters
Storage
Clubhouse
Golf Carts OK
Pool
Dishwasher
Electric Water Heater
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$3,859
Parcel #
17-20-25-0300-000-05200

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Spgs Bath & Yacht Club Unit 01
County
Lake
MLS Area
34797 - Yalaha
Lot Size
9,681 sqft
HOA
$1,100/yr
The Springs

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #G5109927
$278,800-3.5%
$189/sqft
-
Price change
Source: Stellar MLS #G5109927
$288,880-3.3%
$196/sqft
3/22/2026
Listed for sale
Source: Stellar MLS #G5109927
$298,880
$203/sqft

Neighborhood

5 Oak St
Yalaha, FL, 34797 · 34797 - Yalaha

Market insights

Offer Insights

Choose an offer strength

List price: $278,800
$270,000 – $278,800
96.6% – 100% of listTops out right at the list price
80% of listList price
8 of the last 14 home closings in 34797 landed at this number or higher (57%). The median one sat 89 days before it went under contract, and this one is on day 208 after a $20,080 cut.

Sample: 14 closed home sales in 34797 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,007/mo
Principal & interest$1,454
Property taxes$322
Insurance$139
HOA$92
Down payment20% · $55,760
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$278,800

$189 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,472 sq ft

Time on market

208 days

Year built

1972

Monthly payment

About $2,007/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,859 annual tax bill, insurance, and the $1,100/yr HOA fee.

HOA fee

$1,100/yr

Managed by The Springs.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byERA GRIZZARD REAL ESTATEListing agent: Christina GrantListing data from Stellar MLS, MLS# G5109927.

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