See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

240 W 7TH STREET, Chuluota, FL, 32766

5beds
4baths
4,128sqft
$1,499,000
$363price/sqft
$10,472/moest. monthly cost
$418,880/yrincome needed

About This Home

Experience lakefront living on beautiful Horseshoe Lake in the heart of Chuluota, where you have the most beautiful sunsets imaginable. Nestled on a sprawling waterfront homesite with direct lake access, this custom residence combines timeless craftsmanship, thoughtful updates, and breathtaking views to create a truly special retreat. From the moment you step inside, you'll be captivated by the soaring 33-foot vaulted ceilings, dramatic wall of windows, and stunning views of the lake beyond. At the center of the main living space is a striking Rumford fireplace, serving as both a focal point and gathering place while adding warmth and character to the home. Natural light fills the expansive living and dining areas, creating an inviting atmosphere for everyday living and entertaining. The updated kitchen features modern finishes and appliances while maintaining a seamless connection to the home's main living spaces and spectacular waterfront backdrop. Downstairs, a flexible bonus space offers the perfect opportunity to create a private in-law suite, complete with the potential for separate access, making it ideal for multigenerational living, long-term guests, or a home office. A quaint bonus room overlooking the lake is tucked just off the primary suite. This charming space features a unique spiral staircase providing private access from the outdoor screened enclosure, creating a seamless indoor-outdoor connection. Ideal as a serene reading room, cozy lounge, home office, or creative sanctuary, all enhanced by peaceful water views Outside, the lifestyle opportunities are endless. Enjoy boating, fishing, paddleboarding, or simply relaxing by the water from your private dock and boathouse. The finished upper level of the boathouse provides additional space for entertaining, relaxing, or taking in panoramic views of Horseshoe Lake. A detached front shed/workshop offers even more flexibility for hobbies, storage, or creative projects. This home has been extensively improved and meticulously maintained, including: • Replumbed (2020) • Interior repainted and new railings installed (2020) • New water softener and purification system (2021) • Front shed/work studio added (2021) • New upstairs air handler (2022) • Screened porch enclosure added (2023) • New sprinkler system pump (2026) • Kitchen renovation and new appliances (2023) • Two bathroom renovations (2024) • Downstairs foyer, bedroom, and bathroom retiled (2024) • Custom woodwork improvements (2024) • New roof (2024) • New carpet (2024) • Finished upper level of boathouse (2024) Offering a rare combination of lakefront living, extensive recent upgrades, flexible living spaces, and direct access to one of Seminole County's most beautiful lakes, this is a property that must be experienced in person. Only 20 minutes from UCF and 30 minutes to the airport!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

9/10
Walker Elementary SchoolGrades PK-50.6 mi
9/10
Chiles Middle SchoolGrades 6-81.6 mi
8/10
Hagerty High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1991

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick,Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer,Water Filtration System,Water Purifier,Water Softener
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s),Crown Molding,Eating Space In Kitchen,High Ceilings,Open Floorplan,Other,PrimaryBedroom Upstairs,Solid Wood Cabinets,Stone Counters,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: French Doors,Outdoor Kitchen
  • Window features: Window Treatments
  • Flooring: Carpet,Other,Porcelain Tile,Hardwood
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,204
  • Total interior livable area: 4,128 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second

Property

Details

  • Parcel number: 2121325CF5300006A
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch,Screened
  • Exterior features: Irrigation System,Outdoor Kitchen,Private Mailbox,Rain Gutters
  • Has view: Yes
  • View description: Water,Lake
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Lake Privileges,Lift - Covered,Skiing Allowed
  • Waterbody name: HORSESHOE LAKE

Lot

  • Lot size: 1.15 Acres
  • Lot size dimensions: 85 x 305

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Hurricane
Inland Flooding
Lightning
Strong Wind
Wildfire

FEMA Declared Disasters in Seminole County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,579$90,948
Home Insurance *$793$9,516
Property Taxes $1,685$20,220
Electricity $415$4,985
Total$10,472$125,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$359,040/yr
40% on housing$314,160/yr
45% on housing$279,253/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$363This listing

vs Other Active Listings

Avg $/sqft

ZIP 32766$289
Seminole County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 32766$255
Seminole County$241

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-17Listed for sale$1,499,000
2020-11-24Sold$737,500
2020-10-01Pending sale$780,000
2020-06-18Price change$780,000
2020-01-04Price change$797,000
2019-10-14Listed for sale$820,000
2019-08-31Listing removed$840,000
2019-04-17Price change$840,000
2019-02-15Listed for sale$899,900
2018-11-19Listing removed$925,000
2018-10-02Price change$925,000
2018-08-01Price change$949,900
2018-05-29Listed for sale$999,900
2017-09-07Listing removed$139,900
2017-08-31Listed for sale$139,900

For Sale by Agent

AgentKen Pozek
BrokerageREAL BROKER, LLC

Similar Homes