865 RICH DRIVE, OVIEDO, FL, 32765
Active79 days on marketListed May 7, 2026MLS #O6400528
About this home
865 RICH DRIVE
Virtually Staged. Discover comfort and convenience at 865 Rich Drive in Oviedo, a well-maintained 4-bedroom, 2-bath home offering 1,267 square feet of functional living space. This property features tile flooring throughout, enhancing durability and easy maintenance, while large windows fill the home with natural light and create an inviting atmosphere. The kitchen is designed for everyday living with white cabinetry, a pantry, and a large window overlooking the backyard, complemented by a full appliance package including a refrigerator, range, dishwasher, and microwave. Each bedroom is equipped with ceiling fans and ample natural light, while the bathrooms are thoughtfully arranged with a primary walk-in shower and a secondary bath with a shower and tub combination. Step outside to a nicely sized flat lot with a concrete patio accessible through sliding glass doors, offering a great space for outdoor enjoyment. Additional highlights include an indoor laundry area with shelving for storage and a driveway for convenient parking. The home features an updated HVAC system (3 years old) and Water Heater (5 years old), ensuring peace of mind and comfort for years to come. Ideally located with quick access to shopping, dining, top-rated Seminole County schools, parks, and major highways like SR-417 and SR-434, this home offers a balanced lifestyle with easy connectivity to Orlando, UCF, and surrounding areas.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,267
Sqft
0.22 ac
Lot size
1978
Year built
One
Levels
$274
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 — not generic estimates.
$2,763 /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
$2,763/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.
$/sqft vs Oviedo actives
$274 vs $250
Days on market
79 vs 25 typical
Where $274/sqft sits among the 203 Oviedo actives
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 Oviedo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
OVIEDO 32765 — neighborhood snapshot
Population
63,646
Median age
35.5
Median income
$99,161
Median home value
$418,600
Avg household
2.82
Households w/ children
8,093
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oviedo market
$539K → $580K
Oviedo median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
111 of 203
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 865 RICH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$350,000
896 FIELD STREET · same community
4 bd · 2 ba · 1,331 sqft · $263/sqft · 20 DOM
Sold · Jun ’26$345,000
898 RICH DRIVE · same community
3 bd · 2 ba · 1,096 sqft · $315/sqft · 6 DOM
Sold · Jan ’26$340,000
837 FIELD STREET · same community
3 bd · 2 ba · 1,094 sqft · $311/sqft · 6 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 865 RICH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 865 RICH DRIVE — 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
865 RICH DRIVE FAQs
What would the monthly payment be for 865 RICH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,763/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 865 RICH DRIVE?+
The most recent tax bill on record (2024) was $4,846. 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 865 RICH DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 Oviedo?+
At $347,500, this home is listed about 34% below the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 865 RICH DRIVE?+
Carillon Elementary School (elementary), Hagerty High School (high), Jackson Heights Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the OVIEDO 32765 market on paper
$347,500 is 25% below the OVIEDO 32765 median of $464,995.
02Time on market is leverage
79 days on market against a Oviedo median of 25 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Carillon Elementary School, Hagerty High School, Jackson Heights Middle School — Carillon Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $359,900, now $347,500 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Carlos German. MLS #O6400528.
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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