17531 County Road 455, Montverde, FL 34756
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 17531 County Road 455 in Martelle Shores, Montverde is listed at $2,299,000 (4,229 sq ft, about $544 per sq ft). It has been 82 days on market. Listing facts: built in 1976, waterfront, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1976 · 50 yrs
- 4,229 sq ft of living area
- 2-car garage
- Listed at $2,299,000 — recent neighborhood median sale price ~$1,518,500 (nearby sales; deemed reliable, not an appraisal)
- 82 days on market
- No HOA reported by the listing (confirm)
About this home
MONTVERDE hacienda offers ONE lakefront home, ONE commercial office & ONE lakefront buildable lot on LAKE FLORENCE! All parcel combined total 9.07 acres however only 1.33 acres are dry. The Lake house sits on .52 of an acre, the additional buildable lakefront lot is .29 of an acre and the commercial office sits on .52 of an acre with the remaining of the property in the lake.
FIRST is the three bedroom~two bath LAKEFRONT HOME with 2337 heated SF & offers AMAZING VIEWS with LARGE picturesque windows to show off the lake and offer a panoramic high elevation view. The custom kitchen has solid wood cabinets (with plenty of storage with roll out shelves), quartz counter tops and stainless steel built in commercial KITCHEN AIDE appliances, including a separate drawer refrigerator AND an ice maker, for lake living! The living room is oversized with beamed cathedral ceilings and once again amazing views of the lake.
Enjoy the wood burning stacked tile fireplace on those few Florida cold nights. The master bedroom measures a nice size, once again offers great lake views along with a nice sized walk in closet with custom adjustable shelving. The master bath has a walk in oversized shower with multiple shower heads, dual sinks & plenty of storage.
The two remaining bedrooms are good size as well and one bedroom even has a barn door to offer a little privacy of that bedroom and the guest bath. The laundry room is OVERSIZED and could easily double as a craft room. Wood looking plank tile, crown molding and 5 1/4" base throughout.
EXTENDED two car garage plus a garage door off the back to offer a great lake cross breeze ventilation while tinkering in the garage. Plenty of additional storage under the living room with exterior access. Enjoy the brick fire pit and lake views under the LARGE OAK TREES after a long day.
The property is complete with a covered boat dock including hoist with power and water. METAL roof and AC was installed in 2018. NEXT is the buildable LAKEFRONT lot that measures .29 of an acre and you can't but notice the granddaddy OAK TREES.
This parcel does offer a private boat ramp and you can BRING ANY BUILDER & NO TIME LIMIT to build. This parcel has a barn that measure approximately 1104 square feet and has two oversized stalls, two storage rooms additional covered space. LASTLY is the commercial office space which is zoned ORC, Office Residential Commercial.
The property can be used as commercial OR residential! The building is 1892 SF heated & is currently being used as as office space however there are many options on the permitted use list. It currently has a reception area, three large office rooms, conference room, full size kitchen (complete with kitchen appliances) & an upstairs BONUS room currently being subleased.
The bonus room has a kitchenette area, complete with a kitchen sink and drawer fridge. The bonus room space has a separate exterior entrance as well as an interior entrance and can be locked off. This building has two full bathrooms and one half bath.
The building can also be used as a residence and would be a three bedroom ~ two full bath and one half bath and is pre plumbed/wired for a shower and stackable laundry in the handicap bathroom. Office completely remodeled in 2015. PLENTY of parking as well as an additional three bay carport.
Entire property is fully irrigated by a 5 horse power pump from the lake plus multiple lamp post throughout to offer a nice evening ambiance. A MUST SEE!
All 53 photos
Description provided by ARELLANO REALTY & INVESTMENTS and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $12,584/mo 74%
- Taxes $3,121/mo 18%
- Insurance $1,247/mo 7%
$16,952/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Lake County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the MARTELLE SHORES market
How this home is priced against recent nearby sales, and where MARTELLE SHORES has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1976BuiltPer public record
- Jul 2, 2026First seen on movewithmomentum.comObserved at $2,299,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $1,518,500 ($345/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $2,299,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 194% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1976 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 1 active listing competing
For reference, this home is listed at $2,299,000 ($544/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 4,229 sq ft × $192–$564/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Property Score
37/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $544 per square foot, about 58% above the community’s $345 median. MARTELLE SHORES’s 12-month median sold price per square foot is $345. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in MARTELLE SHORES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ARELLANO REALTY & INVESTMENTS · MLS # G5111182
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More on MARTELLE SHORES
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Assigned schools
Schools currently assigned to this address in Lake County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the MARTELLE SHORES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 17531 County Road 455, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1976 (50 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Lake County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 4,229 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $37,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $34,250 more per year than the current owner’s estimated bill (+1070%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 3, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of August 23, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 17531 County Road 455 and when was it built?
Per the listing record, 17531 County Road 455 was built in 1976 and has 4,229 sq ft of living area, 6 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 17531 County Road 455 in?
17531 County Road 455 is in Martelle Shores in Montverde, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 17531 County Road 455 have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 17531 County Road 455 differ from the current owner's?
The estimate on this page (about $37,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $34,250 more per year than the current owner’s estimated bill (+1070%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 17531 County Road 455 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.