David Ramirez

0 CULVER WAY, GENEVA, FL, 32732

Active76 days on marketListed May 8, 2026MLS #O6404342

Priced 67% below the GENEVA 32732 medianGENEVA TR 15-20-32

About this home

0 CULVER WAY

NOW AVAILABLE FOR INDIVIDUAL PURCHASE! Don't miss this rare opportunity to own one of four beautiful buildable homesites in the heart of Geneva. Following a recent price adjustment, each lot is now being offered separately, giving buyers, builders, and investors the flexibility to purchase the parcel that best fits their needs. Available lot sizes include approximately 0.53 acres, 0.76 acres, 1.09 acres, and 3.63 acres, each offering the perfect setting to build your custom home in one of Central Florida's most desirable rural communities. Situated off a private roadway, these high and dry parcels are located within the highly sought-after "Geneva Bubble," an area well known for its elevated terrain, excellent well water, towering mature trees, and peaceful country setting. Enjoy the privacy of rural living while remaining just a short drive from shopping, dining, schools, and major roadways. Whether you're looking for the perfect homesite, planning your forever home, or searching for your next investment opportunity, these properties offer exceptional versatility and value. Builders also have the unique opportunity to purchase multiple adjoining lots for future development. Buildable lot research is available upon request. Buyers are encouraged to perform their own due diligence regarding building plans and intended use.

Facts & features

The home at a glance

1.09 ac

Lot size

Trees/Woods view

Inside

Outside & construction

ViewTrees/Woods

Community & fees

Taxes (2024)$738/yr

Utilities & systems

UtilitiesElectrical Nearby · Private
WaterWell Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,171 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$883
FHA mortgage insurance (est.)$66
Property tax — 2024 actual bill$62
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,250Loan30-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% · $5,250
Interest rate6.00%
Loan term

Estimated payment

$1,171/mo

Principal & interest$883
FHA mortgage insurance (est.)$66
Property taxes (actual bill)$62
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.

Where it sits

Inside Geneva

Map of 0 CULVER WAY

Drive times from this address

Downtown Orlando42 min
Orlando Int’l Airport (MCO)51 min
Universal Orlando55 min
Walt Disney World68 min

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

Get to know Geneva. See the full Geneva guide →

GENEVA 32732 — neighborhood snapshot

Population

5,164

Median age

45

Median income

$112,222

Median home value

$466,500

Avg household

2.88

Households w/ children

477

For the school run

Seminole County School District

ElementaryGeneva Elementary School★★★★
MiddleChiles Middle School★★★★
HighOviedo High School★★★★

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

The numbers that matter

The Geneva market

Seller’s marketBalanced6.9 months of inventoryBuyer’s 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 67% below the GENEVA 32732 median. See the full Geneva market guide →

Paper trail

This home's history

May 8, 2026Listed at $150,000 · 76 days on market since

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 0 CULVER WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 0 CULVER WAY — 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

0 CULVER WAY FAQs

What would the monthly payment be for 0 CULVER WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,171/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 0 CULVER WAY?+

The most recent tax bill on record (2024) was $738. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Geneva?+

At $150,000, this home is listed about 82% below the Geneva median of $849,000. The market section on this page shows how the area is trending.

Which schools are assigned to 0 CULVER WAY?+

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

Three things that matter here

01Under the GENEVA 32732 market on paper

$150,000 is 67% below the GENEVA 32732 median of $455,000.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Jamie Langford. MLS #O6404342.

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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