Ah, that config sounds familiar, and usually working around here with an ONT on the outside wall, or with fiber to an ISP router.
You’ll likely want all that APs and not Wi-Fi routers and “zones”, too.
I’m wondering here about whether the issue is with IP network routing, and that can provide different results depending on the path, and a new login can also provide different IP path defaults. Subnetting is usually necessary when there are multiple network paths, when there’s a DMZ (outside the discussion here), and with cases where more than one router is involved.
If you’re wired all the way to the ISP router or ONT (ignoring any unmanaged or not-hostilely--managed switches and with exactly one ISP router or ONT in the path), then that should all be one subnet, which would put this into your network settings.
Shut off Wi-Fi on the Mac and see if you get mail connectivity established, if wired through to the fiber and with exactly one router in the path between your Mac and the fiber; with just the ISP router or ONT box.
PS: Cat 5 is kinda sketchy for gigabit, though (officially) workable.