David Ramirez
Short-Term Rental Eligible
$390,000$420,0003 bd2.5 ba2,158 sqft$181 /sqft$3,556 /mo all-in ↓

2583 CIRCOLO LANE, APOPKA, FL, 32712

Active116 days on marketListed Apr 9, 2026MLS #O6397786

Priced 17% below the APOPKA 32712 medianReduced $30KTownhouseSWEETWATER GOLF & COUNTRY CLUB

About this home

2583 CIRCOLO LANE

Welcome to EFFORTLESS LIVING in the highly sought-after Reserve at Sweetwater Country Club Golf Course community! This beautifully designed two-story townhome offers the perfect blend of comfort, style, and functionality. All exterior Maintenance Included in the HOA! No Yard maintenance ever again! Hop on your golf cart and go golfing right out your front door! PERFECT HOME for Avid Golfers and anyone seeking to live in a beautiful, gated community, with all your exterior home care taken care of! Featuring 3 spacious bedrooms and 2.5 baths, this home boasts an open-concept layout ideal for both everyday living and entertaining. The heart of the home is the stunning kitchen, complete with a large center island, abundant counter space, and a generous walk-in pantry—perfect for hosting or simply enjoying a quiet night in. UPSTAIRS, RETREAT to the expansive primary suite, which also features an additional OFFICE SPACE/sitting room, offering a true SANCTUARY with its oversized walk-in closet and a luxurious en-suite bath featuring a large newly updated with designer tile, walk-in shower. The additional bedrooms are well-sized, providing flexibility for family, guests, or a home office. Perfectly positioned directly across from WEKIWA STATE PARK, you’ll have immediate access to swimming, hiking, camping, and endless outdoor adventure right outside your door. Plus, you’re just minutes from shopping, dining, and everyday conveniences. Less than an hour to New Smyrna Beach, 20 minutes to downtown Orlando, Less than 45 minutes to Disney World! Located in the desirable Sweetwater Country Club, this home offers low-maintenance living in one of Central Florida’s most scenic and established communities. The front door overlooks the Golf Course, and dinner at the Country club is a golf cart ride away. (Golf membership is not included in the HOA fees). This is MORE THAN A HOME—it’s a LIFESTYLE. Don’t miss your opportunity to own it.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,158

Sqft

0.05 ac

Lot size

2

Garage

2020

Year built

Two

Levels

$181

Per sqft

NegotiablePets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorthwest
ParkingDriveway · Garage Door Opener
ExteriorLighting · Sidewalk

Community & fees

HOA fee$385/mo
Taxes (2025)$6,515/yr
PetsYes
CommunityClubhouse · Fitness Center · Gated Community - No Guard · Golf Carts OK · Golf

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Phone Available · Sewer Connected · Water Connected
WaterPublic

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.

$3,556 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,296
FHA mortgage insurance (est.)$172
Property tax — 2025 actual bill$543
HOA fee — from the listing$385
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,650Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,650
Interest rate6.00%
Loan term

Estimated payment

$3,556/mo

Principal & interest$2,296
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$543
HOA / condo fee$385
Est. insurance$160

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.

List $390K
$347KedgeAI estimate $392,117 · range $361K$430K$447K

vs edgeAI estimate

−0.5%

$/sqft vs Apopka actives

$181 vs $218

Days on market

116 vs 36 typical

Where $181/sqft sits among the 400 Apopka actives

55 · this home
108
113
75
22
27
$155–183$183–210$210–237$237–265$265–292$292+

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.

The investor lens

Two ways this home pays

This home sits inside Sweetwater Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunitySweetwater Club
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,300/mo median

MarketApopka
Annual gross at median$27,600
Gross yield on this price7.1%
Homes for rent right now97

Live Apopka rental listing data — this home’s rate depends on size, condition and furnishing.

The Florida short-term market

▼ Softening

49%

Occupancy

▼ 25% yr/yr

$198

Avg nightly rate

▲ 7% yr/yr

$24K/yr

Revenue per listing

$105

RevPAR

39 days

Booking lead time

5.2 nights

Avg stay

6

Typical min nights

93

Active rentals

▼ 4% supply

Seasonality — monthly occupancy

Peaks at 59% in Feb · bottoms at 37% in Sep

45%
59%
59%
51%
42%
40%
53%
44%
37%
42%
52%
53%
JanFebMarAprMayJunJulAugSepOctNovDec

Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.

Where it sits

Inside Sweetwater Country Club

Map of 2583 CIRCOLO LANE inside its neighborhood boundary

Drive times from this address

Downtown Orlando26 min
Universal Orlando38 min
Orlando Int’l Airport (MCO)45 min
Walt Disney World49 min

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

Sweetwater Club is a short-term-rental community. See the full guide →

Sweetwater Country Club — neighborhood snapshot

Population

1,816

Median age

58

Median income

$147,634

Median home value

$448,400

Avg household

2

Households w/ children

127

For the school run

Orange County School District

ElementaryClay Springs Elementary★★★★★
HighWekiva High★★★★
MiddlePiedmont Lakes Middle★★★★★

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

The numbers that matter

The Apopka market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$399K$418K

Apopka median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

176 of 400

Apopka actives have cut their price

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

This home is listed 17% below the APOPKA 32712 median. See the full Apopka market guide →

Paper trail

This home's history

CurrentPrice reduced to $390,000 $30K
Apr 9, 2026Listed at $420,000 · 116 days on market since
2020Built · SWEETWATER GOLF & COUNTRY CLUB

Reality check

What actually sold near 2583 CIRCOLO LANE

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

2983 RAPOLLO LANESold · Mar ’26

$545,000

2983 RAPOLLO LANE · same community

3 bd · 2 ba · 2,066 sqft · $264/sqft · 8 DOM

121 HARROGATE COURTSold · Nov ’25

$490,000

121 HARROGATE COURT

4 bd · 2.5 ba · 2,156 sqft · $227/sqft · 1 DOM

243 CAMBRIDGE DRIVESold · Sep ’25

$545,000

243 CAMBRIDGE DRIVE

4 bd · 2 ba · 2,130 sqft · $256/sqft · 13 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 2583 CIRCOLO LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2583 CIRCOLO 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.

Goes straight to David’s phone and CRM.

Straight answers

2583 CIRCOLO LANE FAQs

What would the monthly payment be for 2583 CIRCOLO LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,556/mo — principal and interest, the actual property-tax bill, the $385/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 2583 CIRCOLO LANE?+

The association fee works out to $385 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2583 CIRCOLO LANE?+

The most recent tax bill on record (2025) was $6,515. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 2583 CIRCOLO LANE be rented short-term?+

Yes — this home sits inside Sweetwater Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 2583 CIRCOLO LANE?+

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 Apopka?+

At $390,000, this home is listed about 13% below the Apopka median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 2583 CIRCOLO LANE?+

Clay Springs Elementary (elementary), Wekiva High (high), Piedmont Lakes Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the APOPKA 32712 market on paper

$390,000 is 17% below the APOPKA 32712 median of $471,990, and at $181/sqft it sits under the Apopka average of $233.

02Zoned for nightly rentals

Sweetwater Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Time on market is leverage

116 days on market against a Apopka median of 36 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $420,000, now $390,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Kimberly Adams, LLC. MLS #O6397786.

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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