4649 CREEKVIEW LANE, OVIEDO, FL, 32765
Active96 days on marketListed Apr 29, 2026MLS #O6402891
About this home
4649 CREEKVIEW LANE
Located in Oviedo’s desirable Bear Creek community, this spacious 4-bedroom, 2.5-bathroom home offers over 2,430 square feet of single-story living space on a generous 0.27-acre fenced lot. The open-concept interior features vaulted ceilings, formal living and dining rooms, and a versatile Florida room, while the split floor plan ensures privacy. Notable interior details include solid wood cabinets, stone counters, a wet bar, and ceramic tile flooring throughout. Ideally situated for a seamless lifestyle, you are just minutes from the 417 Expressway and SR-426, offering short commutes to UCF, Full Sail University, and the Oviedo on the Park district for premier dining and entertainment. Residents enjoy proximity to highly desirable shopping at Target and Publix, as well as outdoor recreation at Red Bug Lake Park. Zoned for top-rated Seminole County schools—including Red Bug Elementary, Tuskawilla Middle, and Lake Howell High—this property presents a fantastic opportunity to build equity in a prime, quiet location with an HOA.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,433
Sqft
0.27 ac
Lot size
2
Garage
1988
Year built
One
Levels
$172
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.
$3,187 /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
$3,187/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
−19%
$/sqft vs Oviedo actives
$172 vs $251
Days on market
96 vs 31 typical
Where $172/sqft sits among the 206 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
$530K → $535K
Oviedo median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
107 of 206
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4649 CREEKVIEW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$514,000
2530 CREEKVIEW CIRCLE · same community
4 bd · 2.5 ba · 2,101 sqft · $245/sqft · 55 DOM
Sold · Feb ’26$475,000
2507 CREEKVIEW CIRCLE · same community
4 bd · 2 ba · 1,847 sqft · $257/sqft · 154 DOM
Sold · Apr ’26$515,000
4637 CREEKVIEW LANE · same community
4 bd · 2 ba · 1,819 sqft · $283/sqft · 39 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 4649 CREEKVIEW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4649 CREEKVIEW 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.
Straight answers
4649 CREEKVIEW LANE FAQs
What would the monthly payment be for 4649 CREEKVIEW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,187/mo — principal and interest, the actual property-tax bill, the $28/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 4649 CREEKVIEW LANE?+
The association fee works out to $28 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4649 CREEKVIEW LANE?+
The most recent tax bill on record (2024) was $4,267. 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 4649 CREEKVIEW LANE?+
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 Oviedo?+
At $417,600, this home is listed about 19% below the Oviedo median of $517,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4649 CREEKVIEW LANE?+
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
$417,600 is 10% below the OVIEDO 32765 median of $464,900, and at $172/sqft it sits under the Oviedo average of $268.
02Time on market is leverage
96 days on market against a Oviedo median of 31 — 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 $464,000, now $417,600 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Sara Nicholas, PA. MLS #O6402891.
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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