Is there a 4-bedroom home in Mount Dora with a private apartment and no HOA? Welcome to 5521 Oak Street, a fully renovated property offering rare flexibility with a separate 1-bedroom, 1-bath private apartment. With its own entrance, full kitchen, spacious living area, large custom closet, and beautifully designed bathroom, the apartment lives like an entirely independent home. This setup is ideal for multigenerational living, guests, rental income, or a private office or creative studio. The main residence features 3 bedrooms and 2 bathrooms, thoughtfully renovated to blend modern finishes with comfortable, functional living spaces. Updated interiors, natural light, and a practical layout create a home that feels both welcoming and move-in ready. Major system upgrades provide long-term peace of mind for the next owner. The property includes a new shingle roof installed in 2026, and an A/C system replaced in 2024. Additional infrastructure improvements include PVC and PEX plumbing, helping ensure reliability and efficiency. Additional highlights include: * Private 1-bedroom apartment with full kitchen and separate entrance * Updated vinyl double-pane windows for energy efficiency * Renovated interiors with modern finishes throughout * Spacious living areas designed for everyday comfort * 2-car garage with ample storage * No HOA and no CDD fees Location is another standout feature. This home sits just minutes from Downtown Mount Dora, one of Central Florida's most beloved historic lakefront towns. Residents enjoy easy access to Lake Dora sunsets, award-winning restaurants, local coffee shops, art galleries, boutique shopping, and nationally recognized festivals throughout the year. Whether you're looking for a 4-bedroom home in Mount Dora with income potential, space for extended family, or a flexible property that adapts to your lifestyle, 5521 Oak Street offers a rare opportunity. Fully renovated homes with a true private apartment in Mount Dora are hard to find, making this property a standout option for buyers seeking comfort, versatility, and long-term value in a prime location.