David Ramirez
$750,0004 bd3.5 ba2,654 sqft$283 /sqft$5,085 /mo all-in ↓

445 S STATE ROAD 415, OSTEEN, FL, 32764

Active188 days on marketListed Jan 18, 2026MLS #O6373233

Single Family ResidenceN/A

About this home

445 S STATE ROAD 415

Exceptional 5+ acre property located just off SR-415 with excellent access and strong potential for agricultural, residential, or business use. The ranch-style home features a downstairs primary suite, two stone fireplaces, laminate flooring, an open-concept living and kitchen area, an upstairs overlook to the dining space, a downstairs office, an oversized laundry room, and both front and back porches with peaceful pond views. Recent upgrades include a NEW A/C system and a NEW water heater, offering added efficiency and peace of mind. The property includes two barns: a 2,292 sq ft barn with insulated flooring, concrete slab, and walk-in cooler, plus a 950 sq ft barn ideal for storage or workspace. Additional features include 2 RV pads with their own septic system, well water, two A/C units, and a rear pond with trails leading into a wooded area. Excellent opportunity for a home-based business, agricultural use, or potential barn-style event venue, conveniently located near Orlando, Daytona, New Smyrna, and Jacksonville

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,654

Sqft

5.09 ac

Lot size

2

Garage

2001

Year built

Two

Levels

$283

Per sqft

FireplaceGarden & Trees/Woods view

Inside

FlooringLaminate · Tile · Hardwood
AppliancesDryer · Electric Water Heater · Microwave · Range · Refrigerator
InteriorPrimary Bedroom Main Floor · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationSlab
ViewGarden · Trees/Woods
FacesNortheast
ParkingBoat · RV Garage
ExteriorIrrigation System · Outdoor Shower · Rain Barrel/Cistern(s) · Rain Gutters · Sidewalk · Storage

Community & fees

Taxes (2025)$7,166/yr
CommunityStable(s) · Horses Allowed · Playground

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Water Available · Water Connected
WaterWell

The numbers

What it really costs

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

$5,085 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$597
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$5,085/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$597
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $750K
$402KedgeAI estimate $572,525 · range $419K$956K$994K

vs edgeAI estimate

+31%

$/sqft vs N/A

$283 vs $288

Days on market

188 vs 99 typical

Where $283/sqft sits among the 228 homes for sale in N/A

112 · this home
62
26
9
3
16
$131–287$287–444$444–600$600–757$757–913$913+

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 Osteen

Map of 445 S STATE ROAD 415

Drive times from this address

Downtown Orlando40 min
Orlando Int’l Airport (MCO)48 min
Universal Orlando53 min
Walt Disney World65 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Osteen. See the full Osteen guide →

OSTEEN 32764 — neighborhood snapshot

Population

2,744

Median age

54.9

Median income

$84,242

Median home value

$328,200

Avg household

2.33

Households w/ children

257

For the school run

Volusia County School District

ElementaryOsteen Elementary School★★★★★
HighPine Ridge High School★★★★★
MiddleHeritage Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Osteen market

Seller’s marketBalanced6.6 months of inventoryBuyer’s market

$319K$498K

Osteen median sold, yr/yr

94.8%

Sale-to-list ratio (12 mo)

111 of 228

N/A have cut their price

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

This home is listed 144% above the OSTEEN 32764 median. See the full Osteen market guide →

Paper trail

This home's history

Jan 18, 2026Listed at $750,000 · 188 days on market since
2001Built · N/A

Reality check

What actually sold near 445 S STATE ROAD 415

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

4933 ROUND LAKE ROADSold · Dec ’25

$530,000

4933 ROUND LAKE ROAD · same community

3 bd · 2.5 ba · 2,632 sqft · $201/sqft · 111 DOM

Carr 156 KM 12.1 INT BO. PALO HINCADOSold · Dec ’25

$254,000

Carr 156 KM 12.1 INT BO. PALO HINCADO · same community

5 bd · 2.5 ba · 2,510 sqft · $101/sqft · 79 DOM

16422 SPRING VALLEY ROADSold · Mar ’26

$1,275,000

16422 SPRING VALLEY ROAD · same community

4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 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 445 S STATE ROAD 415 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 445 S STATE ROAD 415 — 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

445 S STATE ROAD 415 FAQs

What would the monthly payment be for 445 S STATE ROAD 415?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,085/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 445 S STATE ROAD 415?+

The most recent tax bill on record (2025) was $7,166. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Osteen?+

At $750,000, this home is listed about 116% above the Osteen median of $347,500. The market section on this page shows how the area is trending.

Which schools are assigned to 445 S STATE ROAD 415?+

Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of DALTON WADE INC · Maximiliano Capuzzi. MLS #O6373233.

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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