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 Phil & Judy Kelley, Realtors Coldwell Banker Camelot 1898 N. Donnelly Street Mount Dora, FL 32757 800 260-2829
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About Florida Lakes | Florida Lake Investments | Florida Boat Dock Regulations | Florida Lake Wildlife |
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Flood Zones | Waterfront Property Pricing | Phil & Judy Kelley | Florida Lake List |
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The Harris Chain of Lakes | Central Florida Small Lakes | Florida Canal Homes & Lots |
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This property is the most desirable, the most costly and the hardest
to find. To be considered in this category the property must have
actual frontage on either the Harris or Clermont Chain of Lakes.
There are only a handful of vacant lots available at any one time
with prices currently starting around $350,000 per lot assuming you
can find one for sale. If you can find a home for sale on one of
the major chains, prices currently start at around $450,000. Many
older lakefront homes are being purchased and demolished to create
new home sites. 
These homes and lots are defined as having frontage directly on a
canal, river or small bay leading into one of our major lakes. The most
important factors when considering canal front property are the
depth of the canal and the idle distance from the lake. Many
canals are extremely shallow during times of drought. This is
normally not a problem for the owner of a small outboard boat where the motor can be trimmed
up, but inboard boat owners should use caution. Also, some canals
have long idling distances before you can enter the lake and get on
a plane. Currently, a few buildable canal lots are still available
starting around $130,000. Canal front mobile homes on the major
lake chains start around $150,000 and traditional canal front homes
start around $250,000. 
There are three factors that influence the value of smaller lake
properties; the size of the lake, the surroundings and the size of
the lot. It is very common in Lake County to find a lake near the
center of a town, an industrial park or a working farm. Many
people are surprised to find a multi-million dollar home sitting on
property directly adjacent to a lot with a 75 year old wooden
structure or a mobile home park. Desirable lots on our smaller
lakes without any serious negative factors can be bought for around
$200,000 with $250,000 and up being more common.
"Lake Access" is a term used by Realtors which means that the
property is not true lakefront. A lake access property is a
property that does not have real lake frontage, but has
deeded access to a common dock or boat ramp that is shared by the
home owners in that community. The most desirable lake access
property has a shared boat ramp allowing access onto a private lake
where public access is not available. This type of access could
easily add $75,000 in value to a property. A shared dock is
normally not an asset that greatly increases a property’s value
unless it also has a private shared boat ramp. The truth is,
there are so many public boat ramps in Lake County that almost any
home in our area could be considered to have "Lake Access". 
A lake view property is a property that
has a significant view of a lake from the property. A
nice lake view could easily add an additional $50,000 or more
to the value of the property depending upon the lake and the particular aspects of the view. Some
people consider this more desirable than actually living on the lake
as public boat ramps in our county are plentiful. For example,
Phil & Judy's own home sits on a high hill overlooking Lake Eustis.
From their living room they can see directly across one of the
largest lakes in our area. The public boat ramp is only 2 blocks
away giving them almost all the advantages of lakefront
property without the high cost. 