539 GRANITE CIRCLE, CHULUOTA, FL, 32766
Active225 days on marketListed Dec 11, 2025MLS #O6364372
Come see it
Upcoming open house
Sun, Jul 26
12:30 PM – 4:30 PM
About this home
539 GRANITE CIRCLE
Virtually Staged. Meticulously maintained 4-bedroom, 2-bath home in move-in ready condition! This popular Austin Model by Maronda Homes offers an ideal layout for both everyday living and entertaining, featuring a desirable split-bedroom floor plan with the primary suite privately located off the great room. The spacious kitchen is the heart of the home, complete with a center island with additional sink, abundant counter space, and ample cabinetry—perfect for gatherings and meal prep. The primary suite includes dual walk-in closets and a well-appointed bath with private water closet, separate shower and tub, and convenient access to the outdoors. Enjoy generously sized rooms throughout and relax on the large screened-in lanai overlooking a beautifully landscaped backyard—ideal for entertaining family and friends. A nearby tot lot adds extra appeal for households of all sizes. Located in sought-after Oviedo, known for its top-rated schools, shopping, and dining. Seller is willing to consider all offers, including reasonable concessions toward buyer’s closing costs and seller is offering an AHS home warranty up to $800. Schedule your private tour today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,256
Sqft
0.22 ac
Lot size
2
Garage
2005
Year built
One
Levels
$230
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,935 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,935/mo
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.
vs edgeAI estimate
−19%
$/sqft vs Chuluota actives
$230 vs $297
Days on market
225 vs 34 typical
Where $230/sqft sits among the 15 Chuluota actives
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 Chuluota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Chuluota. See the full Chuluota guide →
CHULUOTA 32766 — neighborhood snapshot
Population
15,966
Median age
42.2
Median income
$146,215
Median home value
$529,600
Avg household
3.18
Households w/ children
2,393
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Chuluota market
$648K → $788K
Chuluota median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
9 of 15
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 539 GRANITE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$475,000
274 KNOT HOLE CIRCLE
4 bd · 2 ba · 2,256 sqft · $211/sqft · 155 DOM
Sold · Mar ’26$875,000
331 LAKE LENELLE DRIVE
4 bd · 3 ba · 2,193 sqft · $399/sqft · 42 DOM
Sold · Dec ’25$475,000
541 YELLOW TAIL PLACE
4 bd · 2.5 ba · 2,356 sqft · $202/sqft · 27 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 539 GRANITE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 539 GRANITE CIRCLE — 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.
Straight answers
539 GRANITE CIRCLE FAQs
What would the monthly payment be for 539 GRANITE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,935/mo — principal and interest, the actual property-tax bill, the $39/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 539 GRANITE CIRCLE?+
The association fee works out to $39 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 539 GRANITE CIRCLE?+
The most recent tax bill on record (2024) was $5,415. 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 539 GRANITE CIRCLE?+
The listing reports pets: Yes. 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 Chuluota?+
At $519,000, this home is listed about 40% below the Chuluota median of $862,500. The market section on this page shows how the area is trending.
Which schools are assigned to 539 GRANITE CIRCLE?+
Walker Elementary School (elementary), Chiles Middle School (middle), Hagerty High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the CHULUOTA 32766 market on paper
$519,000 is 23% below the CHULUOTA 32766 median of $674,000, and at $230/sqft it sits under the Chuluota average of $332.
02Time on market is leverage
225 days on market against a Chuluota median of 34 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Walker Elementary School, Chiles Middle School, Hagerty High School — Walker Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $560,000, now $519,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GLOBAL PROPERTIES SALES & MGMT · Irene Hayden, Pa. MLS #O6364372.
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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