Cottages on in Mount Dora
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True comps, carrying-cost math, and listings before the portals.

Built fromLive Stellar MLS data2 years of closingsUpdated twice daily

As of September 2026, Cottages On 11Th in Mount Dora, FL has 3 homes for sale. 4 of 4 report an HOA (median $200/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 128 ft).

Live · Cottages on Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
36.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Lake: 25% (1,077 of 4,256)
3 · 0
For sale · pending
live counts, refreshed twice daily

Homes For Sale Right Now in Cottages on

Live MLS inventory for Cottages on. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Cottages on listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2025. Tap any home to ask about it.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Cottages On 11th is a single-phase build, and every home in it went up in 2024. That uniformity is the whole story on pricing: there is no older stock dragging the comp set down and no wide age spread to argue over, so condition and finish-level inside a narrow build window is what separates one listing from the next.

With only one active listing against 34 total homes and just over a year of supply on the board, this reads as a buyer-leaning market on paper, but in practice there is almost nothing to choose from. A buyer with real interest here needs to move on what is available rather than wait for a second option to surface, and a seller has very little competing inventory to price against.

Cottages on Housing Pulse · Momentum Research · as of September 12, 2026

Cottages on right now

🟢 Buyer-leaning market. 36.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Low (3 active and pending listings, 0 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 19, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

A small, entirely 2024-built cottage community in Mount Dora with 34 homes total and a median living area around 2,089 square feet; current MLS data shows no shared community amenities and a low homestead-filing share, suggesting a meaningful portion of these homes are held as non-primary residences.

Stellar MLS sales records identify 6 homes in Cottages On that have changed hands since 2024, built between 2023 and 2027 (median 2026), with a median living area of about 2,589 sq ft and a typical 3-bedroom, 3.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • A buyer who wants a newly built home and is not deterred by having few or no other listings to compare it against right now
  • An investor or secondary-home buyer comfortable with a market where most current owners are not filing homestead on these units
  • A buyer whose target size is close to the community's roughly 2,089-square-foot median and who values a low-maintenance cottage footprint

Probably not for

  • A buyer who wants to tour several active listings before deciding, given only one is currently on the market
  • Someone specifically shopping for community amenities, since none are identified from current MLS listings here
  • A buyer who wants a resale-heavy market with an established price history across multiple build years

The market around Cottages on

Cottages on is too small for its own price trend, so here is the market around it.

In ZIP 32757, 314 homes are on the market and 24% are under contract — a steady corner of Mount Dora.

Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).

In ZIP 32757 (MOUNT DORA), 622 homes closed in the last 12 months at a median of $470K ($206/sq ft), down 1.5% year over year, with a median 51 days on market. Right now 60 active and 18 pending listings put supply at about 2.6 months - a balanced market. See the live ZIP 32757 housing market and the Lake County market.

ZIP and county figures describe the wider market, not Cottages on specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in COTTAGES ON 11TH, MOUNT DORA

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 10 listings
Distress share trend - 0.0% now (2026-08-12 → 2026-09-11)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

Schools

In short
  • Lake County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Triangle Elem · Elementary
  • Mount Dora Middle · Middle
  • Mount Dora High · High

Zoned schools reflect the assignments reported on recent Cottages on listings and can change; always confirm with Lake County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Cottages on address.

If we were buying in Cottages on today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cottages on.

Best Buy
Buyers who want a newly built, low-maintenance cottage in Mount Dora and are comfortable with a very short list of options.
Biggest Risk
With only one active listing and 12 months of supply, there may be long stretches with nothing to buy or sell against.
Sweet Spot
A buyer targeting a single-family cottage near 2,089 square feet who is not relying on shared community amenities.
Avoid If
You want an established resale market with multiple comps to negotiate against or a community with organized shared amenities.

One Build Year, One Listing

Because the entire community was built in 2024, there is effectively no resale history to draw on yet. Buyers evaluating this neighborhood are really evaluating a single construction vintage and a single builder's specification, not a mix of eras and renovation levels the way you would in an older Mount Dora neighborhood.

The 5.9% homestead share is worth sitting with. It tells you that most owners here have not filed a Florida homestead exemption on these addresses, which typically points to investment ownership, secondary residences, or very recent purchases that haven't yet gone through the filing cycle. Combine that with a single active listing and 12 months of supply, and this is a community where inventory can sit idle for stretches and then move quickly when it does surface.

The location and the amenities are priced into every listing in Cottages on. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

A community this thin on active listings rewards someone who is already watching it before a home hits the market. We track Cottages On 11th alongside the rest of Mount Dora's new-construction pipeline, so when the next listing comes up you are not starting the research from zero on builder specs, HOA structure, or how the one comp on record actually priced out.

Cottages on in 15 seconds.

Best forBuyers who want a newly built, low-maintenance cottage in Mount Dora and are comfortable with a very short list of options.
Biggest advantageEvery home shares the same 2024 build year, which simplifies comparing condition and finishes.
Biggest riskWith only one active listing and 12 months of supply, there may be long stretches with nothing to buy or sell against.
Sweet spotA buyer targeting a single-family cottage near 2,089 square feet who is not relying on shared community amenities.
Avoid ifYou want an established resale market with multiple comps to negotiate against or a community with organized shared amenities.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Cottages on homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Cottages on.
In short
  • HOA dues reported around $200/month (about $2,400/yr) · median of 28 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $200 per month ($2,400 a year) - the median AssociationFee across 28 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cottages on sales matched to your home.

What is your Cottages on home worth?

Get a no-obligation home value based on real comparable sales in Cottages on, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Mount Dora →

Real comps, not an automated estimate.

Recently off market in Cottages On 11Th

Homes in Cottages On 11Th that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,222/mo
Lake County typical true cost to own
$146/mo
Lake County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

23% of homes for sale in ZIP 32757 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-19).

COTTAGES ON 11TH Market Scorecard

Strong buyer's market

COTTAGES ON 11TH is currently a strong buyer's market. About 36.0 months of supply, a median asking price of $1,435,200, and homes go under contract in about 11 days.

36.0
Months supply
$1,435,200
Median list
$1,179,250
Median sold
$481
Per sqft
11
Days on mkt
3/0/1
Active/Pend/Sold

Typical home value in the 32757 ZIP is $391,361, about 7.0% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Cottages on a buyer's or seller's market right now?
As of September 12, 2026, Cottages on leans toward buyers: 36.0 months of supply at the current sales pace (Stellar MLS live counts).
Who is the best real estate agent for Cottages on?
The best agent for Cottages on is one who actively works Mount Dora and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cottages on.
How do I find a top Mount Dora real estate agent who knows Cottages on?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cottages on and the wider Mount Dora area.
Can Momentum Realty connect me with an agent for Cottages on?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cottages on purchase or sale - no call center and no pressure.
Where is Cottages on, and what county is it in?
Cottages on is in MOUNT DORA, Lake County, FL, ZIP 32757.
A buyer who wants a newly built home and is not deterred by having few or no other listings to compare it against right nowExcellent fit
An investor or secondary-home buyer comfortable with a market where most current owners are not filing homestead on these unitsExcellent fit
A buyer whose target size is close to the community's roughly 2,089-square-foot median and who values a low-maintenance cottage footprintExcellent fit
A buyer who wants to tour several active listings before deciding, given only one is currently on the marketProbably not
Someone specifically shopping for community amenities, since none are identified from current MLS listings hereProbably not
A buyer who wants a resale-heavy market with an established price history across multiple build yearsProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: September 12, 2026)
Under-contract sharesStellar MLS records, as of 2026-09-08
Historical depthClosed-sale records back to 2024 (4 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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