1045 SHAFFER TRAIL, OVIEDO, FL, 32765
Active41 days on marketListed Jun 12, 2026MLS #O6415706
About this home
1045 SHAFFER TRAIL
Back on the market! The buyers’ cold feet equal your hot deal! Welcome to 1045 Shaffer Trail, your ranch-style retreat in the heart of Oviedo! Imagine pulling up to this move-in-ready, beautifully refreshed 4-bedroom, 2-bathroom single-family home on a spacious quarter-acre lot in a desirable Oviedo neighborhood. With a freshly painted exterior (Benjamin Moore), a newer AC (2020) and roof (2018), classic gabled architecture, and the welcoming front yard, the home sets the tone for comfortable Florida living. Step inside to discover an open, airy layout which creates a warm and versatile space perfect for everyday living and entertaining. Enjoy hybrid engineered hardwood flooring throughout the entire home (2023), high vaulted ceilings, abundant natural light, and a cozy wood-burning fireplace in the living room. The kitchen boasts beautiful newer appliances (2023) and a sliding glass door that opens directly to the patio...ideal for seamless indoor-outdoor flow. The spaciously-sized bedrooms offer flexibility for a growing family, home office, playroom, guest suite, or a number of other options. Outside, the big, fully-fenced backyard is a standout feature with plenty of room for pets to roam, barbequing, a future pool, to play around in or to create your own personal oasis with mature landscaping and privacy. A 2-car garage and practical updates add peace of mind. Location is everything, and this home delivers! You're conveniently close to Oviedo on the Park, UCF, Twin Rivers Golf Course, A+ rated schools, top-rated restaurants, and shopping. Enjoy quick drives to world-famous theme parks (we see you, Disney!), stunning beaches, and endless Central Florida adventures. This is the perfect blend of peaceful suburban living and modern convenience. Oviedo has been voted as one of the best places to live in America many years in a row. Contact me for your own private tour and fall in love with all that Oviedo, and 1045 Shaffer Trail, have to offer!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,700
Sqft
0.25 ac
Lot size
2
Garage
1985
Year built
One
Levels
$259
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.
$3,410 /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
$3,410/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
+9.1%
Days on market
41 vs 25 typical
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
$539K → $580K
Oviedo median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
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 1045 SHAFFER TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1045 SHAFFER TRAIL — 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
1045 SHAFFER TRAIL FAQs
What would the monthly payment be for 1045 SHAFFER TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,410/mo — principal and interest, the actual property-tax bill, the $20/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 1045 SHAFFER TRAIL?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1045 SHAFFER TRAIL?+
The most recent tax bill on record (2025) was $5,342. 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 1045 SHAFFER TRAIL?+
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 $439,999, this home is listed about 16% below the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1045 SHAFFER TRAIL?+
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
Three things that matter here
01Under the OVIEDO 32765 market on paper
$439,999 is 7% below the OVIEDO 32765 median of $475,000, and at $259/sqft it sits under the Oviedo average of $264.
02Strong 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.
03The price has already moved
Listed at $454,999, now $439,999 — a $15K cut. The full history is in the market section below.
Listing courtesy of SUNFLORIDA REALTY · Chris Sileo. MLS #O6415706.
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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