David Ramirez
$949,000$1,035,0004 bd2 ba3,237 sqft$293 /sqft$6,384 /mo all-in ↓

3226 S OSCEOLA AVENUE, ORLANDO, FL, 32806

Active163 days on marketListed Feb 28, 2026MLS #O6386545

Reduced $86KPrivate poolSingle Family ResidenceLAKE JEWEL HILLS

About this home

3226 S OSCEOLA AVENUE

In an area often defined by its flat horizon and palm-fringed subdivisions, Lake Jewel Hills emerges as a refreshing architectural anomaly. Here, the landscape takes a dramatic turn—literally. Designed to evoke the rolling terrain of the Northeast, this storied enclave features man-made hills and winding elevations that provide a sense of architectural character rarely found in Central Florida. At 3226 S Osceola Ave, this "Northern" spirit is captured perfectly within a multi-level residence that doesn't just sit on the land—it lives with it. Originally built in 1972 and recently reimagined through a comprehensive, high-profile renovation (famously featured on a national TV network), this home is a masterclass in vertical storytelling. The journey begins at the front entry, where a welcoming foyer serves as the central axis for the home’s distinct living zones. On this main level, the flow is effortless: a sophisticated dining room and a chef-inspired kitchen with high-end finishes await your morning coffee and evening soirées. Tucked away on this same floor are three spacious bedrooms and a full bath, offering a traditional footprint with a modern, open-air feel. But the true character of this home lies in its elevation. From the foyer, ascend to the third level—a dedicated sanctuary for the primary suite. This upper-level retreat, complete with a versatile bonus room and views of the surrounding greenery, feels miles away from the world below. Conversely, a few steps down from the main level leads you into the heart of the home: a magnificent family room. Anchored by a floor-to-ceiling stacked stone wood-burning fireplace and soaring exposed beam ceilings, this space mirrors the "hillside" aesthetic of the neighborhood. It is cozy, grand, and perfectly connected to the large laundry suite and the two-car garage, ensuring that daily logistics never interrupt the home's aesthetic peace. The lifestyle extends beyond the threshold into a backyard oasis designed for the Florida sun, featuring a screened-in pool with a flowing river water feature and elegant European pavers. (Note for fans of the home’s TV episode: The dramatic alligator scene was a staged dramatization using a Gatorland guest—rest assured, no gator has ever actually taken residence in this pool!) Living in Lake Jewel Hills means embracing architectural diversity; in this neighborhood, no two homes are alike, creating a vibrant streetscape of unique characters and "hills" that invite evening strolls. Location is the ultimate amenity here. Nestled in the heart of the SODO District, you are minutes from the pulse of Downtown Orlando, yet wrapped in the quietude of a "Silent Zone." You’re within the prestigious Boone-Blankner school district (with Blankner K-8 boasting a stellar 9/10 rating), making this an ideal haven for growing families. Whether you’re grabbing a craft brew at a local SODO haunt, commuting via the nearby I-4/408 interchange, or enjoying the proximity to Orlando Health, everything you need is within a five-minute radius. 3226 S Osceola Ave is more than a renovation; it is a piece of Orlando history elevated for the modern dreamer. If you’ve been searching for a home that offers the soul of the North with the soul-warming sun of the South, your sanctuary has arrived.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

3,237

Sqft

0.31 ac

Lot size

2

Garage

1972

Year built

Multi/Split

Levels

$293

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Travertine · Hardwood
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesEast
ParkingGarage Door Opener · Garage Faces Side
ExteriorFrench Doors · Irrigation System

Community & fees

Taxes (2024)$8,972/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Phone Available · Sprinkler Well
WaterNone

The numbers

What it really costs

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

$6,384 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,121
PMI (est., until 20% equity)$356
Property tax — 2024 actual bill$748
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,900Loan30-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% · $94,900
Interest rate6.00%
Loan term

Estimated payment

$6,384/mo

Principal & interest$5,121
PMI (est., until 20% equity)$356
Property taxes (actual bill)$748
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 $949K
$911KedgeAI estimate $1,101,634 · range $1.1M$1.2M$1.2M

vs edgeAI estimate

−13.9%

$/sqft vs Orlando actives

$293 vs $251

Days on market

163 vs 42 typical

Where $293/sqft sits among the 400 Orlando actives

117
126
83 · this home
33
10
31
$152–213$213–273$273–334$334–395$395–456$456+

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 Pineloch

Map of 3226 S OSCEOLA AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Orlando6 min
Universal Orlando17 min
Orlando Int’l Airport (MCO)20 min
Walt Disney World29 min

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

Get to know Orlando. See the full Orlando guide →

Pineloch — neighborhood snapshot

Population

2,928

Median age

39

Median income

$100,959

Median home value

$400,476

Avg household

2

Households w/ children

330

For the school run

Orange County School District

ElementaryBlankner K-8★★★★
HighWilliam R Boone High★★★★★

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

The numbers that matter

The Orlando market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$400K$395K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

178 of 400

Orlando actives have cut their price

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

This home is listed 123% above the ORLANDO 32806 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $949,000 $86K
Feb 28, 2026Listed at $1,035,000 · 163 days on market since
1972Built · LAKE JEWEL HILLS

Reality check

What actually sold near 3226 S OSCEOLA AVENUE

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

1833 LAKE GROVE LANESold · Oct ’25

$952,000

1833 LAKE GROVE LANE

4 bd · 3 ba · 3,225 sqft · $295/sqft · 7 DOM

54 OVERLEAF LNSold · Nov ’25

$783,761

54 OVERLEAF LN

5 bd · 4 ba · 3,277 sqft · $239/sqft · 126 DOM

500 LINSON COURTSold · Oct ’25

$1,265,000

500 LINSON COURT

4 bd · 4 ba · 3,175 sqft · $398/sqft · 38 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 3226 S OSCEOLA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3226 S OSCEOLA AVENUE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3226 S OSCEOLA AVENUE FAQs

What would the monthly payment be for 3226 S OSCEOLA AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,384/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 3226 S OSCEOLA AVENUE?+

The most recent tax bill on record (2024) was $8,972. 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 Orlando?+

At $949,000, this home is listed about 142% above the Orlando median of $392,950. The market section on this page shows how the area is trending.

Which schools are assigned to 3226 S OSCEOLA AVENUE?+

Blankner K-8 (elementary), William R Boone High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$949,000 runs 123% above the ORLANDO 32806 median — but at 3,237 sqft it's also nearly twice the size of the typical Orlando listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

163 days on market against a Orlando median of 42 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Blankner K-8, William R Boone High — Blankner K-8 rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,035,000, now $949,000 — a $86K cut. The full history is in the market section below.

Listing courtesy of ONE OAK REALTY CORP · Michael Chiorando. MLS #O6386545.

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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