SUMNER AVENUE, CHULUOTA, FL, 32766
Active228 days on marketListed Dec 8, 2025MLS #O6365350
About this home
SUMNER AVENUE
This property offers a highly desirable blend of prime location and freedom. Conveniently situated just outside Oviedo city limits, it provides easy access to all local amenities and highly-rated Seminole County Schools while maintaining enough separation to give privacy. The location is excellent for commuters, with quick access to UCF, HWY 50, and extensive nearby shopping options. With no HOA, you have the rare opportunity to design and build your own custom dream home exactly as you envision it. The parcel remains naturally wooded, allowing you to choose the perfect buffer thickness for your future home.
Facts & features
The home at a glance
0.11 ac
Lot size
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 — not generic estimates.
$486 /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
$486/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.
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)
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 93% below the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near SUMNER AVENUE
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$300,000
301 AVENUE E · same community
2 bd · 1 ba · 980 sqft · $306/sqft · 7 DOM
Sold · Sep ’25$270,000
131 E 3RD COURT · same community
3 bd · 1 ba · 1,028 sqft · $263/sqft · 35 DOM
Sold · Oct ’25$281,000
260 W 3RD STREET · same community
2 bd · 2 ba · 1,044 sqft · $269/sqft · 1 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 SUMNER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SUMNER AVENUE — 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
SUMNER AVENUE FAQs
What would the monthly payment be for SUMNER AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $486/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on SUMNER AVENUE?+
The most recent tax bill on record (2024) was $117. 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 SUMNER AVENUE?+
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 $50,000, this home is listed about 94% below the Chuluota median of $862,500. The market section on this page shows how the area is trending.
Which schools are assigned to SUMNER AVENUE?+
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
Three things that matter here
01Under the CHULUOTA 32766 market on paper
$50,000 is 93% below the CHULUOTA 32766 median of $674,000.
02Time on market is leverage
228 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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Daniel Teston. MLS #O6365350.
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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