412 PENNY ROYAL PLACE, OVIEDO, FL, 32765
Active80 days on marketListed May 18, 2026MLS #O6408192
About this home
412 PENNY ROYAL PLACE
One or more photo(s) has been virtually staged. Price Improvement! As you pass through the gates at Copper Chase, you’ll know you’ve found a great place to call home. 412 Penny Royal Place has a new A/C (2024), water heater (2025), a roof less than 5 years old, and sits on a nature view lot with no rear neighbors. TOUR THE HOUSE WITH THE VIRTUAL TOUR and WALK THRU VIDEO LINKS. Inside the house, you’ll be welcomed in to a light-filled space, with high ceilings and wood-style floors across the first level. The open concept floorplan of the downstairs living space is versatile for however you choose to live. At the center of it all is a kitchen that truly anchors the home, with tall 42” cabinets, a large center island, and a spacious closet pantry. Under cabinet and above cabinet lighting will set the perfect mood for entertaining, as the kitchen flows seamlessly into the dining and living areas, creating a connected environment that feels comfortable. A sliding glass door opens to a rear patio where your mornings begin peacefully and evenings unwind with ease, as you enjoy the tall trees and nature views outside the rear of your home. Upstairs, the layout continues to impress with both comfort and privacy, featuring a split floorplan. The primary suite is at the rear of the house, with those same beautiful nature views out the rear windows. You’ll be blown away with the space the primary suite offers, with a large walk-in closet, and a well-appointed en suite bathroom with dual sink vanity, spacious tiled shower, and large linen closet. Two additional bedrooms and an additional bathroom are found at the front of the house providing flexibility for guests, roommates, a home office, or your future needs. You’ll also find a laundry room in an upstairs hallway, making housekeeping tasks convenient. Beyond the home itself, this community provides you a carefree lifestyle with the reasonable HOA caring for the exterior and landscaping. The gated entry provides an added layer of privacy and security, while still fostering a connected community atmosphere. Located near great shopping and restaurants, and just minutes from UCF, the 417… don’t miss your opportunity!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,777
Sqft
0.05 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$194
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.
$2,917 /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
$2,917/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
−7.1%
$/sqft vs Oviedo actives
$194 vs $251
Days on market
80 vs 32 typical
Where $194/sqft sits among the 202 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 → $540K
Oviedo median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
110 of 202
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 412 PENNY ROYAL PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$365,000
516 PENNY ROYAL PLACE · same community
3 bd · 2.5 ba · 1,812 sqft · $201/sqft · 86 DOM
Sold · Nov ’25$425,000
1009 GAMMAGE POINT
3 bd · 2 ba · 1,795 sqft · $237/sqft · 5 DOM
Sold · Oct ’25$465,000
1007 GORE DRIVE
3 bd · 2.5 ba · 1,805 sqft · $258/sqft · 0 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 412 PENNY ROYAL PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 412 PENNY ROYAL PLACE — 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
412 PENNY ROYAL PLACE FAQs
What would the monthly payment be for 412 PENNY ROYAL PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,917/mo — principal and interest, the actual property-tax bill, the $220/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 412 PENNY ROYAL PLACE?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 412 PENNY ROYAL PLACE?+
The most recent tax bill on record (2025) was $4,238. 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 412 PENNY ROYAL PLACE?+
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 Oviedo?+
At $345,000, this home is listed about 34% below the Oviedo median of $519,000. The market section on this page shows how the area is trending.
Which schools are assigned to 412 PENNY ROYAL PLACE?+
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
Five things that matter here
01Under the OVIEDO 32765 market on paper
$345,000 is 25% below the OVIEDO 32765 median of $459,990, and at $194/sqft it sits under the Oviedo average of $268.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
80 days on market against a Oviedo median of 32 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $350,000, now $345,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BLOOM HOME GROUP REALTY LLC · Chris Winn. MLS #O6408192.
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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