1104 NEEDLEWOOD LOOP, OVIEDO, FL, 32765
Active39 days on marketListed Jun 12, 2026MLS #O6413440
About this home
1104 NEEDLEWOOD LOOP
Welcome to 1104 Needlewood Loop, a beautifully maintained ONE STORY single-family residence in the highly desirable Tuska Ridge in Award winning Oviedo. VIEW WALK THROUGH VIDEO TOUR! Designed with comfort and flexibility in mind, this home offers 4 bedrooms, 3 full bathrooms, and a versatile flex room that can serve as an office, nursery, craft room, or a 5th bedroom—complete with a built-in Murphy bed, making it ideal for families, multi-generational living, or mature buyers looking for adaptable space for the whole family. Enjoy expansive conservation and serene pond views with NO REAR NEIGHBORS from your screened-in pool—perfect for Florida living and entertaining. Come home from a long day and have a dip in the pool or just relax outside with a great book. With this home you are buying your FLORIDA home but also gaining a new LIFESTYLE. The three-way split floor plan ensures privacy for everyone, and the large family room seamlessly connects to the open-concept kitchen and breakfast area featuring granite countertops, a spacious pantry, with loads of cabinets and a view of the pool and yard. With volume ceilings, formal living and dining rooms, and a generous entertaining area, there’s plenty of space to host gatherings, inside and out, both large and small. Brand new A/C, Dec 2025 for peace of mind. Roof is 2019! Incredible back bedroom with pool bath has a separate entrance and could be perfect for a student, visiting family, or even an older teenager that needs their own space. The oversized three-car garage and extended driveway provide parking for up to six vehicles. Situated in the sought-after Seminole County School district (A+ rated schools), you’re minutes to SR 417 for an easy commute to downtown Orlando,Disney, and the beaches. Very close to shopping, dining, and all that Award Winning Oviedo has to offer. No CDD fees with a low HOA. Don’t miss this rare opportunity to own a flexible, move-in ready home with scenic views in a prime CLOSE IN location. Schedule your private tour today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,865
Sqft
0.25 ac
Lot size
3
Garage
1993
Year built
One
Levels
$234
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.
$4,392 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,392/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−7.5%
$/sqft vs Oviedo actives
$234 vs $249
Days on market
39 vs 25 typical
Where $234/sqft sits among the 193 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
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)
107 of 193
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1104 NEEDLEWOOD LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$650,000
1098 NEEDLEWOOD LOOP · same community
4 bd · 3 ba · 2,720 sqft · $239/sqft · 2 DOM
Sold · Jun ’26$812,420
1151 NEEDLEWOOD LOOP · same community
5 bd · 3 ba · 3,646 sqft · $223/sqft · 7 DOM
Sold · Dec ’25$725,000
1121 NEEDLEWOOD LOOP · same community
6 bd · 3 ba · 3,775 sqft · $192/sqft · 88 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 1104 NEEDLEWOOD LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1104 NEEDLEWOOD LOOP — 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
1104 NEEDLEWOOD LOOP FAQs
What would the monthly payment be for 1104 NEEDLEWOOD LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,392/mo — principal and interest, the actual property-tax bill, the $40/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 1104 NEEDLEWOOD LOOP?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1104 NEEDLEWOOD LOOP?+
The most recent tax bill on record (2025) was $3,900. 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 1104 NEEDLEWOOD LOOP?+
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 $670,000, this home is listed about 28% above the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1104 NEEDLEWOOD LOOP?+
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
01Positioned at the premium end
$670,000 runs 40% above the OVIEDO 32765 median — but at 2,865 sqft it's also 38% larger than the typical Oviedo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $699,900, now $670,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Laurie Cain. MLS #O6413440.
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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