David Ramirez
$349,900$395,0003 bd2.5 ba2,031 sqft$172 /sqft$2,620 /mo all-in ↓

3192 OAKS BEND, BOWLING GREEN, FL, 33834

Active400 days on marketListed Jun 21, 2025MLS #A4653853

Reduced $45KSingle Family ResidenceTORREY OAKS GOLF COURSE

About this home

3192 OAKS BEND

DRASTICALLY REDUCED!!! Check out this stunning 3BR/21/2 Ba w/office /study or 4th bedroom house sitting on a corner end lot overlooking a pond and the 3rd hole of Torrey Oaks Golf Course. This home located in a gated community has high vaulted ceilings and creative decorative shelving helping complete the open air feeling this home brings. The home offers a library/office /den OR can be used as a 4th bedroom for the larger family or guests. The recently remodeled kitchen flanks the beautiful solid surface counter tops and a breakfast bar for extra seating. Entertain in this open floor plan that flows from foyer to dining room, great room, kitchen and office areas. The roof was replaced in 2020 and AC replaced in 2019. The mature, beautifully, manicured landscaped yard offers curb appeal of "this is home." and is supported by an automatic zoned irrigation system helping protect the lawn in those hot dry summer months. The back screened in porch overlooks the 3rd hole golf course and provides entertainment whether you are a golfer or observer! The structurally sound and insulated concrete form (ICS) "poured cement" walls provide a more safe environment from the outside elements of bad weather. The back yard brags of many Florida fruit trees such as mature mango (3 varieties) avocados, loquats and surname cherry. This home has the quiet surroundings of a rural community located in Central Florida but is close to everything. An hour or Hour half from the airports and entertainment parks of Orlando/Tampa/St Pete/Sarasota/ Ft Myers while reserving the quiet gated community of everyday living and certainly the less busyness of the city life. This is truly a gem for its location in all ways and gives you the feel of the mature family home!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,031

Sqft

0.39 ac

Lot size

2

Garage

2001

Year built

One

Levels

$172

Per sqft

Inside

FlooringCeramic Tile · Laminate · Hardwood
AppliancesCooktop · Dishwasher · Disposal · Microwave · Refrigerator · Tankless Water Heater · Trash Compactor
InteriorEating Space In Kitchen · High Ceilings · Open Floorplan · Solid Surface Counters · Split Bedroom · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionICFs (Insulated Concrete Forms)
FoundationConcrete Perimeter
FacesWest
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$70/mo
Taxes (2024)$2,106/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$2,620 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2024 actual bill$176
HOA fee — from the listing$70
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,247Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,247
Interest rate6.00%
Loan term

Estimated payment

$2,620/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$176
HOA / condo fee$70
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Bowling Green actives

$172 vs $188

Days on market

400 vs 96 typical

Where $172/sqft sits among the 6 Bowling Green actives

2
1 · this home
2
0
0
1
$130–153$153–175$175–198$198–221$221–243$243+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Bowling Green

Map of 3192 OAKS BEND

Get to know Bowling Green. See the full Bowling Green guide →

BOWLING GREEN 33834 — neighborhood snapshot

Population

6,139

Median age

35.3

Median income

$58,364

Median home value

$104,200

Avg household

3.13

Households w/ children

615

The numbers that matter

The Bowling Green market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$270K$218K

Bowling Green median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

3 of 6

Bowling Green actives have cut their price

Median sold price, Bowling Green, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 40% above the BOWLING GREEN 33834 median. See the full Bowling Green market guide →

Paper trail

This home's history

CurrentPrice reduced to $349,900 $45K
Jun 21, 2025Listed at $395,000 · 400 days on market since
2001Built · TORREY OAKS GOLF COURSE

Reality check

What actually sold near 3192 OAKS BEND

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

392 OLD DIXIE HIGHWAYSold · Jul ’26

$247,500

392 OLD DIXIE HIGHWAY

3 bd · 1.5 ba · 1,107 sqft · $224/sqft · 8 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3192 OAKS BEND — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3192 OAKS BEND — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

3192 OAKS BEND FAQs

What would the monthly payment be for 3192 OAKS BEND?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,620/mo — principal and interest, the actual property-tax bill, the $70/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 3192 OAKS BEND?+

The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3192 OAKS BEND?+

The most recent tax bill on record (2024) was $2,106. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3192 OAKS BEND?+

The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Bowling Green?+

At $349,900, this home is listed about 1% above the Bowling Green median of $344,900. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$349,900 runs 40% above the BOWLING GREEN 33834 median.

02Time on market is leverage

400 days on market against a Bowling Green median of 96 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $395,000, now $349,900 — a $45K cut. The full history is in the market section below.

Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC · Sue Birge. MLS #A4653853.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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3192 OAKS BEND, BOWLING GREEN, FL — 3 Bed, 2.5 Bath — $349,900 | CENTURY 21 Edge