Mount Dora, FL · Updated Oct 2026

What a Mount Dora house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Mount Dora house

$13,396a year · $1,116 a month

Starts at the typical market value, $381,900; your assessed value is often lower. Typical use.

Property tax$6,370
1.879% of $381,900, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$239
City of Mount Dora fire services assessment $239
Electricity$1,726
1000 kWh a month $1,569 · City of Mount Dora 10% public service tax on electricity $157
Water and sewer$2,102
7,000 gallons a month on City of Mount Dora: water $37, sewer $114, residential stormwater fee $25 a month
Trash$308
Residential garbage service (weekly trash and yard waste pickup), $26 a month
Home insurance$2,650
Typical premium $2,650

A Mount Dora house at the typical market value ($381,900) pays about $13,400 a year: $6,610 property tax and charges, $2,100 water and sewer, $310 trash, $1,730 electricity, $2,650 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ with limited income: up to $50,000 off the assessed value for county taxes, up to $25,000 for Mount Dora'sUp to $50,000 off assessed value
Florida law provides an additional exemption for Senior Citizens over 65 with a homestead exemption and adjusted gross household income of no more than $38,686. Lake County authorizes it up to $50,000 and Mount Dora up to $25,000.
How: Apply to the Lake County Property Appraiser between January 2 and March 1; household income documents are due by May 1.
$5,000 exemptions for widows and widowers and for totally and permanently disabled owners$5,000 off assessed value
The widow/widower exemption and the disability exemption each reduce the assessed value of your property by $5,000.
How: Apply to the Lake County Property Appraiser by March 1; the widow/widower exemption needs a copy of the death certificate, the disability exemption Form DR-416 or a Social Security letter.
Veterans with a service-connected disability: $5,000 exemption$5,000 off assessed value
This exemption reduces the assessed value by $5,000 for a Florida resident honorably discharged veteran with a service-connected disability of 10 percent or more.
How: Apply by March 1 of the year you wish the exemption to begin, with a letter from the U.S. Government or the U.S. Department of Veterans Affairs as proof.
Pay your tax bill by November 30 for 4% off4% off the bill
The Lake County Tax Collector gives a 4% discount if paid in full by November 30, 3% by December 31, 2% by January 31 and 1% by February 28.
How: Pay the Lake County Tax Collector; for mailed payments, the postmark sets the discount.
Homesteaded owners with low household income: fire assessment hardship refund$189 refund in FY 2025-26
Under Mount Dora's Fire Assessment Fee Hardship Program, approved homestead owners whose household income is at or below 50% of HUD's 2023 income limits, adjusted for family size, pay only the first $50 of the fire assessment and are reimbursed the rest. Relief for fiscal year 2025-26 was $189.
How: Pay the property tax bill in full, then file the hardship reimbursement application with supporting documents with the City Manager's Office.
Water leak adjustment once every 24 monthsOne adjustment per 24 months
The City of Mount Dora provides one leak adjustment per 24-month period per address under its leak adjustment policy.
How: After repairing the leak, send the receipt and a completed leak adjustment application to Utility Customer Service.
Seniors 65+ living 25+ years in a home with just value under $250,000: county general tax exemptionExempts the Lake County general levy
Lake County has adopted the additional exemption for owners 65 or older who qualify for the limited income senior exemption, have lived in the home at least 25 years and whose home's just value is less than $250,000. It applies to the Lake County general millage only.
How: Apply to the Lake County Property Appraiser with the additional limited income senior exemption application.

Money dates

Nov 1in 9 daysLake County property tax collection begins November 1; paying in full by November 30 takes 4% off (3% by December 31, 2% by January 31, 1% by February 28).
Mar 1Deadline to apply for the homestead exemption with the Lake County Property Appraiser.
Mar 31The gross amount of the property tax bill must be paid by March 31.
Apr 1Unpaid taxes become delinquent on April 1, when 3% statutory interest is added.

Who serves this house

Water: City of Mount Dora; City of Mount Dora inside-city water rates effective October 1, 2026: a $14.48 monthly availability charge plus a per-gallon consumption charge in four usage blocks; water is subject to the utility tax.
Property tax: 1.88% of value; 2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00MD (Mount Dora)
Garbage: Waste Management; Weekly household trash and yard waste pickup inside city limits; $25.68 a month residential sanitation charge
Sewer: City of Mount Dora; $44.31 a month availability charge plus a consumption charge based on water usage
Electricity: City of Mount Dora Electric Utility; Municipal electric utility serving more than 6,144 customers
Schools: Lake County School Board; 6.0540 mills for 2026 (3.0560 state required local effort plus 2.9980 local)

Pay or manage your bills

Your water

Source: The City's water comes from five groundwater wells in the Floridan Aquifer, treated at two plants, East and West.
Violation: In 2025 the City did not send the required letters to customers with unidentified service line types; it was one missed set of public notification letters.
Copper: Copper in tap water samples (June 2023): 90th percentile 0.23 ppm, below the 1.3 ppm action level; no sites exceeded it.

Other FL cities

How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 18.7921 mills in total for Lake County taxing authority code 00MD (City of Mount Dora), 2026 final rates from the Lake County Property Appraiser: Lake County general fund 5.0254, voted debt service 0.0719, ambulance MSTU 0.4629, Lake County Water Authority 0.2940, Lake County School Board 6.0540 (3.0560 required local effort plus 2.9980 local), North Lake County Hospital District 0.4046, St. Johns River Water Management District 0.1793 and City of Mount Dora 6.3000. Mount Dora's CRA tax codes carry the same total. We add one flat yearly charge: the City of Mount Dora fire services assessment, $239 per dwelling unit for fiscal year 2026-27 (Resolution 2026-11, heard September 10, 2026; the staff report says the residential rate is unchanged from 2025-26; we did not find the signed minutes), which the Lake County Tax Collector bills as a non-ad valorem assessment. The Tax Collector also lists a City of Mount Dora assessment for Dogwood Mountain Reserve, which applies only there and is not included; homeowner association dues are not included.
Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes. The starting value is the Census median market value; the Save Our Homes cap keeps many homesteads' assessed value lower, so enter your assessed value.
Water, sewer, garbage and stormwater (City of Mount Dora rates effective October 1, 2026, inside city): water $14.48 a month plus $0.0027787, $0.0055574, $0.0083361 and $0.0111148 per gallon in blocks breaking at 8,977, 17,953 and 26,930 gallons, which we show per 1,000 gallons; we add the City's 10% public service tax on water (Florida Department of Revenue database) into the water prices. Sewer $44.31 a month plus $0.0103057 per gallon of water use, with no cap in our figures (the rate sheet shows the same rate above 8,977 gallons and a footnote for customers with separate irrigation meters); the public service tax is not applied to sewer. Garbage $25.68 a month; stormwater $25.00 a month (Resolution 2026-24, adopted August 18, 2026, raised it by $6.10).
Electricity: City of Mount Dora Electric Utility residential rate effective October 1, 2026, $12.36 a month plus $0.05568 per kWh energy charge and the $0.05948 per kWh Power Cost Charge, all increased by the 2.563% gross receipts tax the rate sheet lists, plus the City's 10% public service tax on electricity. Florida law keeps fuel adjustment charges out of the public service tax, so the tax on a real bill may be somewhat lower. Typical use, 1,000 kWh a month, is the City's typical residential customer. Parts of Mount Dora are served by Duke Energy Florida or SECO Energy (the City budget records utility tax from both), at different rates that are not modeled. Natural gas (TECO Peoples Gas in some areas) is not modeled.
Insurance: Florida OIR's Lake County average homeowners premium with wind coverage ($2,650, data as of March 31, 2026); flood insurance is a separate policy and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Mount Dora compares

A typical Mount Dora house against the 53 Florida cities we cover, using the same default numbers as the total above.

Per year	Mount Dora	Median	Where it falls
Property tax rate	1.88%	1.78%	higher than 34 of the other 52 Florida cities we cover
Water	$438	$515	lower than 38 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$1,664	$901	higher than 51 of the other 51 Florida cities we cover
Trash	$308	$364	lower than 39 of the other 51 Florida cities we cover
Electricity and gas	$1,726	$1,953	lower than 52 of the other 52 Florida cities we cover
Home insurance	$2,650	$3,733	lower than 47 of the other 51 Florida cities we cover
Total	$13,396	$12,935	higher than 29 of the other 52 Florida cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $1,664 a year, higher than 51 of the other 51 Florida cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $1,664 a year, higher than 51 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $308 a year for the standard cart, lower than 39 of the other 51 Florida cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $308 a year for the standard cart, lower than 39 of the other 51 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $1,726 a year, lower than 52 of the other 52 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $1,726 a year for a typical house, lower than 52 of the other 52 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Mount Dora house costs

What is the property tax rate in Mount Dora?

About 1.88% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00MD (Mount Dora)), plus flat charges on the same bill (City of Mount Dora fire services assessment $239).

How much is property tax on a $500,000 house in Mount Dora?

About $8,829 a year on $500,000 of the value before exemptions with the homestead exemption, including $239 of flat charges.

How much is the water bill in Mount Dora?

About $175 a month for water and sewer at typical use (7,000 gallons a month) on City of Mount Dora.

How much does trash pickup cost in Mount Dora?

$26 a month for a house.

Can seniors lower their property tax or bills in Mount Dora?

Yes. Seniors 65+ with limited income: up to $50,000 off the assessed value for county taxes, up to $25,000 for Mount Dora's: Florida law provides an additional exemption for Senior Citizens over 65 with a homestead exemption and adjusted gross household income of no more than $38,686. Lake County authorizes it up to $50,000 and Mount Dora up to $25,000.

Where can I get help paying utility bills in Mount Dora?

Homesteaded owners with low household income: fire assessment hardship refund: Under Mount Dora's Fire Assessment Fee Hardship Program, approved homestead owners whose household income is at or below 50% of HUD's 2023 income limits, adjusted for family size, pay only the first $50 of the fire assessment and are reimbursed the rest. Relief for fiscal year 2025-26 was $189. Pay the property tax bill in full, then file the hardship reimbursement application with supporting documents with the City Manager's Office.

How much does a house in Mount Dora cost to run each year?

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