1046 N McDonald St, photo 1
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Overview

4 bd4 ba2,564 sqftSingle Family
TypeSingle Family
HOANone listed
Built1920
Lot18,759 sqft
Living area2,564 sqft
Price / sqft$386

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About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenPrimary Bedroom Main FloorWalk-in Closet(s)Window TreatmentsOutdoor Shower

1046 N McDonald St is a 1920-built home in Mount Dora Mrs S D Shorts, Mount Dora. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,564 square feet of living space. Listed at $989,500 (about $386/sqft), 77 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Located on one of Mount Dora's most cherished historic streets, this beautifully restored circa-1920s residence reflects the timeless charm and craftsmanship of Old Florida architecture. Nestled among the character-filled walkable neighborhoods that define Mount Dora's Historic District, this exceptional property offers a rare opportunity to own a piece of the city's early history while enjoying all the comforts of modern living. The main residence offers approximately 2,188 square feet with 3 bedrooms and 2 beautifully renovated bathrooms. Rich original hardwood floors, elegant crown molding, custom built-ins, and abundant natural light create a timeless interior filled with warmth and character. Gracious living spaces include a welcoming living room with wood burning fireplace, a formal dining room perfect for entertaining, and a charming Florida room that invites you to slow down and enjoy the home's peaceful surroundings. The thoughtfully renovated kitchen features custom cabinetry, corian countertops, modern appliances, and a delightful eat-in dining area, blending historic character with modern convenience. A spacious screened rear porch provides the perfect place to relax and enjoy Florida living year-round. Adding incredible versatility is a detached guest cottage with vaulted ceilings, offers approximately 376 square feet with a kitchenette, 1 bedroom and 1 full bath—ideal for guests, extended family, a private home office, or potential rental income. Step outside to your own private backyard oasis. The gas-heated saltwater pool (2019) is surrounded by classic brick decking, lush landscaping, and multiple areas to relax or entertain. An outdoor shower makes rinsing off after a swim a breeze, while the pool cabana is equipped with a half bath (sink and toilet), additional washer and dryer, and a window air-conditioning unit—perfect for pool days without ever stepping inside the main home. Situated on a beautifully landscaped and fenced .43-acre lot, this property offers privacy, mature trees, and plenty of room to entertain while remaining just a few walkable blocks from downtown Mount Dora's charming shops, restaurants, waterfront, festivals, and parks. Historic charm, modern updates, a guest cottage, resort-style pool, and an unbeatable location—this is truly one of Mount Dora's most distinctive homes.

The essentials

Built
1920
Price / sqft
$386
On market
77 days
Annual tax
$7,516
Flood zone
X · Low risk
Lot
18,759 sqft
Type
Single Family Residence

At a glance

Single family
Built 1920
Private pool
Heated
0.43 acres
Lot size
2,564 sqft
Living area

Payment

Est. monthly payment
$6,282/mo
Down payment (20%)
$197,900
Property taxes
$626/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1920
Lot
18,759 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Open
Pool
Gunite, Heated, In Ground, Salt Water
Days on Market
77
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Outdoor Shower
Private Mailbox
Rain Gutters
Sidewalk
Storage
Dishwasher
Gas Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,516
Parcel #
30-19-27-0700-000-01700

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
Mount Dora Mrs S D Shorts
County
Lake
MLS Area
32757 - Mount Dora
Lot Size
18,759 sqft
Corner LotHistoric DistrictCity LimitsLandscapedSidewalkPaved

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #G5115566
$989,500-1.0%
$386/sqft
7/25/2026
Listed for sale
Source: Stellar MLS #G5115566
$999,500
$390/sqft

Neighborhood

1046 N McDonald St
Mount Dora, FL, 32757 · 32757 - Mount Dora

Market insights

Offer Insights

Choose an offer strength

List price: $989,500
$985,000 – $989,500
99.5% – 100% of listTops out right at the list price
80% of listList price
171 of the last 322 home closings in 32757 landed at this number or higher (53%). The median one sat 39 days before it went under contract, and this one is on day 77 after a $10,000 cut.

Sample: 322 closed home sales in 32757 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$6,282/mo
Principal & interest$5,161
Property taxes$626
Insurance$495
Down payment20% · $197,900
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%. 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

$989,500

$386 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,564 sq ft

Time on market

77 days

Year built

1920

Monthly payment

About $6,282/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,516 annual tax bill, insurance.

Flood zone

Zone X

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

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Brokered byDAVE LOWE REALTY, INC.Listing agent: Michele LoweListing data from Stellar MLS, MLS# G5115566.

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