541 E OSCEOLA ROAD, GENEVA, FL, 32732
Active139 days on marketListed Mar 6, 2026MLS #O6388611
About this home
541 E OSCEOLA ROAD
Seller is offering owner financing!!! Rare opportunity to own a high and dry 5-acre homesite in the highly sought-after rural community of Geneva! Positioned entirely within Flood Zone X on a paved road, this pristine, untouched parcel offers fully usable land and total peace of mind. It is the ultimate blank canvas to design your ideal lifestyle, whether that means a custom luxury estate, a private homestead with room for animals, or a peaceful weekend retreat. The property features electric available right at the street and a septic system that was installed in 1980 but has never been used (well will be needed). Zoned for top-rated, A-ranked Seminole County schools, this location perfectly balances secluded country living with modern convenience. Enjoy easy access to nearby horse trails, hiking, boating, and fishing, while staying just a short drive from shopping and dining in Oviedo and Sanford, SR-417, and the Orlando-Sanford International Airport. Large, fully buildable acreage in this coveted area rarely comes to market. Bring your builder and your imagination to create the serene, room-to-roam lifestyle you have always envisioned!
Facts & features
The home at a glance
5 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.
$2,496 /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
$2,496/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 Lake Harney
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Geneva. See the full Geneva guide →
Lake Harney — neighborhood snapshot
Population
712
Median age
51
Median income
$85,078
Median home value
$347,303
Avg household
3
Households w/ children
38%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Geneva market
$465K → $686K
Geneva median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Geneva, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the GENEVA 32732 median. See the full Geneva market guide →
Paper trail
This home's history
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 541 E OSCEOLA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 541 E OSCEOLA ROAD — 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
541 E OSCEOLA ROAD FAQs
What would the monthly payment be for 541 E OSCEOLA ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,496/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 541 E OSCEOLA ROAD?+
The most recent tax bill on record (2024) was $1,459. 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 541 E OSCEOLA ROAD?+
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 Geneva?+
At $349,900, this home is listed about 59% below the Geneva median of $849,000. The market section on this page shows how the area is trending.
Which schools are assigned to 541 E OSCEOLA ROAD?+
Geneva Elementary School (elementary), Chiles Middle School (middle), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the GENEVA 32732 market on paper
$349,900 is 18% below the GENEVA 32732 median of $427,500.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
139 days on market against a Geneva median of 69 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $425,000, now $349,900 — a $75K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER REALTY · Tina Scott. MLS #O6388611.
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.
Never miss a listing
New Geneva homes, in your inbox
Like 541 E OSCEOLA ROAD but not quite? A daily digest of every new listing in Geneva — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →