812 SWALLOW LANE, OSTEEN, FL, 32764
Active156 days on marketListed Feb 28, 2026MLS #O6374984
About this home
812 SWALLOW LANE
COMPLETELY RENOVATED!! MOVE IN READY!! Kove Estate, a 55+ Co-Op community, friendly active environment offering resort-style living in a Gated Golf community a premier 55+ community in Osteen Fl. There is NO lot rent, as a share in the community conveys with the sale. LOW monthly HOA FEE. Over 1400 sq ft unit home features 2 bedrooms, 2 bathrooms, lots of natural light. Remodeled Open Kitchen with updated Countertops, Newer appliances, Breakfast Bar. Large OPEN Family Room, Dining Room. Over 300 Sq Ft Florida Room perfect for entertaining. New Flooring throughout, Updated Bathrooms, Newer Windows, Plantation Shutters, Mini Splits for Heat and Air, Newer Roof, Newer Water Heater, Full House Generator, Paver Driveway, Indoor laundry, Newly Added Screen room, attached storage and additional storage unit. Very well maintained. This home has it all and more. As a resident of The Kove Estate, you will enjoy free 9-hole golf, two pools (one heated), tennis courts, pickleball, community events, Clubhouse, Library, and Gated security. The community is conveniently located off SR415, minutes to Sanford, Deltona, New Smyrna Beach, close to shopping, dining, medical facilities, and attractions such as the Daytona International Speedway, the Kennedy Space Center, and the Orlando theme parks. This is a must see for anyone looking for a peaceful and convenient lifestyle. Water, Sewer and trash pickup is included in the LOW HOA. Call today to view!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,492
Sqft
0.23 ac
Lot size
1982
Year built
One
Levels
$137
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.
$1,995 /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
$1,995/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
+1.3%
$/sqft vs KOVE ESTATES COOP
$137 vs $163
Days on market
156 vs 99 typical
Where $137/sqft sits among the 14 homes for sale in KOVE ESTATES COOP
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osteen market
$319K → $498K
Osteen median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
6 of 14
KOVE ESTATES COOP have cut their price
Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% below the OSTEEN 32764 median. See the full Osteen market guide →
Paper trail
This home's history
Reality check
What actually sold near 812 SWALLOW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$167,500
120 KOVE BOULEVARD · same community
3 bd · 2 ba · 1,460 sqft · $115/sqft · 399 DOM
Sold · Mar ’26$129,000
703 WHIPPOORWILL LANE · same community
2 bd · 2 ba · 1,456 sqft · $89/sqft · 89 DOM
Sold · Dec ’25$145,000
934 BLUE HERON BOULEVARD · same community
2 bd · 2 ba · 1,344 sqft · $108/sqft · 62 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 812 SWALLOW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 812 SWALLOW LANE — 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
812 SWALLOW LANE FAQs
What would the monthly payment be for 812 SWALLOW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,995/mo — principal and interest, the actual property-tax bill, the $310/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 812 SWALLOW LANE?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 812 SWALLOW LANE?+
The most recent tax bill on record (2025) was $2,732. 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 812 SWALLOW LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 Osteen?+
At $205,000, this home is listed about 41% below the Osteen median of $347,500. The market section on this page shows how the area is trending.
Which schools are assigned to 812 SWALLOW LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Michelle Ingrassia. MLS #O6374984.
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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