3725 Holly Grove Lane, Mount Dora, FL 32757
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
3725 Holly Grove Lane in Holly Estates, Mount Dora is listed at $435,000 (2,820 sq ft, about $154 per sq ft). That is 142% above Holly Estates's median closed sale of $180,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $137/sq ft by about 12%. It came to market within the past week. Listing facts: built in 2019, HOA dues of $103/mo. 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 2019 · 7 yrs
- 2,820 sq ft of living area
- 2-car garage
- Listed at $435,000 — recent neighborhood median sale price ~$180,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA $103/mo (per listing)
About this home
Welcome home to Holly Estates in charming Mount Dora! Warm, beautifully decorated interiors and a thoughtfully designed layout make this move-in-ready 5-bedroom, 3.5-bathroom home an inviting place to settle in. A welcoming foyer opens to a separate living room, offering the flexibility to create a home office, den, or study to suit your needs.
At the heart of the home, the kitchen, family room, and dinette flow together, creating a comfortable gathering space for everyday living and entertaining. Whether preparing dinner, hosting friends, or enjoying a quiet evening, this connected layout keeps everyone together. Tucked away on the first floor, the spacious primary suite offers privacy and convenience, complete with a walk-in closet and an en-suite bathroom featuring a separate shower.
Upstairs, a generous loft provides additional space for a media room, play area, or second lounge. Four additional bedrooms, two full bathrooms, and conveniently located laundry facilities complete the second floor. Outside, the fenced backyard offers room to relax, entertain, and enjoy the Florida sunshine.
Solar panels add to the home’s features, while its welcoming style and versatile spaces make it easy to envision your next chapter here. Holly Estates is a short drive from historic downtown Mount Dora, where boutique shops, local restaurants, and popular festivals offer plenty to explore. Nearby Renninger’s Antique Center and shopping along US-441 add everyday convenience, while access to SR-429 connects you to Orlando and surrounding Central Florida destinations.
Discover the space, comfort, and charm this lovely home has to offer!
Description provided by EXP REALTY LLC 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 $2,391/mo 79%
- Taxes $381/mo 13%
- Insurance $136/mo 5%
- HOA $103/mo 3%
$3,010/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 3725 Holly Grove Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| HOA dues | $103/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Orange County is $1,409/yr (4,204 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2019. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
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 Orange County, FL: overall Relatively High. 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 Orange County market
How this home is priced against recent nearby sales, and where Orange County 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.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $154/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
This home’s history
- 2019BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-23" data-fmt="dom">listed Oct 23, 2026</span>)
- Oct 24, 2026First seen on movewithmomentum.comObserved at $435,000
- 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: $180,000 ($137/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $435,000 ($154/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 16% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $103/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Oct 23, 2026 on market vs. a 156-day community median
- 1464 active listings competing, 404 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (2 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 26, 2026.
Momentum Property Score
52/100 is below average 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: 6 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 $154 per square foot, about 12% above the community’s $137 median. Orange County’s 12-month median sold price per square foot is $137. Median sold price per square foot is down 24.4% year over year. Confidence: Low · 5 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
67% of homes in Orange County are owner-occupied. An estimated 33% are non-owner-occupied, including 9% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1761 homes matched. Community-level context.
Recent Orange County sales closed near 70.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1109 active listings in Orange County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # O6451667
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Orange 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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 3725 Holly Grove Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $103/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 Orange County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,820 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 $4,568/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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, checked against the MLS hourly (last: October 26, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; 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 3725 Holly Grove Lane and when was it built?
Per the listing record, 3725 Holly Grove Lane was built in 2019 and has 2,820 sq ft of living area, 5 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3725 Holly Grove Lane in?
3725 Holly Grove Lane is in Holly Estates in Mount Dora, Orange County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3725 Holly Grove Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $103 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3725 Holly Grove Lane differ from the current owner's?
The estimate on this page (about $4,568 per year) assumes reassessment at the list price less the homestead exemption. 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 3725 Holly Grove Lane 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.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.