4524 SETTLEMENT CIRCLE, ORLANDO, FL, 32818
Active57 days on marketListed May 26, 2026MLS #O6401790
About this home
4524 SETTLEMENT CIRCLE
Welcome to this beautifully maintained home in the heart of Orlando. If you’re looking for a beautiful, spacious home where the whole family will feel right at home, then look no further. This waterfront property features beautiful views, a screened patio, and a large backyard with plenty of space to enjoy. As you step inside, you will be greeted by an abundance of natural light that fills the spacious living room, creating a warm and inviting atmosphere. The master bedroom is spacious and well-appointed, providing ample room for relaxation and personalization. The attached master bathroom features granite countertops, double sinks, a separate enclosed shower, and an oversized oval tub. Come see it for yourself because the list of features goes on and on. Conveniently located with easy access to major highways including the Turnpike, 429, 408, 414, 528, 441, and I-4, this home offers fast and efficient commuting, making it a perfect location for those working in or exploring the greater Orlando area.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,662
Sqft
0.22 ac
Lot size
2
Garage
2003
Year built
One
Levels
$232
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.
$3,010 /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
$3,010/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
+16.4%
$/sqft vs Orlando actives
$232 vs $239
Days on market
57 vs 34 typical
Where $232/sqft sits among the 400 Orlando 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 Orlando
Get to know Orlando. See the full Orlando guide →
ORLANDO 32818 — neighborhood snapshot
Population
61,574
Median age
35.7
Median income
$60,182
Median home value
$278,800
Avg household
3.43
Households w/ children
6,590
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $405K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
148 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 13% above the ORLANDO 32818 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 4524 SETTLEMENT CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$368,000
4531 GALLBERRY COURT · same community
3 bd · 2 ba · 1,895 sqft · $194/sqft · 6 DOM
Sold · Oct ’25$345,000
4546 ASHTUBULA COURT · same community
3 bd · 2 ba · 1,895 sqft · $182/sqft · 11 DOM
Sold · Apr ’26$385,000
7151 COUNTRY RUN PARKWAY · same community
3 bd · 2 ba · 1,957 sqft · $197/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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4524 SETTLEMENT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4524 SETTLEMENT CIRCLE — 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
4524 SETTLEMENT CIRCLE FAQs
What would the monthly payment be for 4524 SETTLEMENT CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,010/mo — principal and interest, the actual property-tax bill, the $19/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 4524 SETTLEMENT CIRCLE?+
The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4524 SETTLEMENT CIRCLE?+
The most recent tax bill on record (2025) was $4,730. 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 4524 SETTLEMENT CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 Orlando?+
At $385,000, this home is listed about 1% below the Orlando median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4524 SETTLEMENT CIRCLE?+
Ridgewood Park Elementary (elementary), Meadowbrook Middle (middle), Maynard Evans High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DESIR LEGACY REALTY LLC · Marie Mondesir. MLS #O6401790.
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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