David Ramirez
$535,000$550,0004 bd3 ba3,026 sqft$177 /sqft$4,096 /mo all-in ↓

4080 GOLDEN WILLOW CIRCLE, APOPKA, FL, 32712

Active40 days on marketListed Jun 14, 2026MLS #O6416792

Reduced $15KSingle Family ResidenceOAK RIDGE

About this home

4080 GOLDEN WILLOW CIRCLE

**FOUR (!!) CAR GARAGE** **HUGE LOT -- PRIVACY & ROOM FOR BACKYARD DREAMS** **GATED COMMUNITY** **BEDROOM + FULL BATH ON FIRST FLOOR** *FOUR BEDROOMS + THREE FULL BATHROOMS + HUGE LOFT/MEDIA SPACE** **GOURMET KITCHEN WITH DOUBLE OVEN** Welcome to this very special home available for immediate close & move-in located in the GATED & highly coveted Oak Ridge community. Say goodbye to teeny-tiny postage-stamp lots and small garages…this estate-sized home sits on a large lot measuring 0.37 acre with plenty of privacy and TONS of room for your backyard dreams…live the Florida life outdoors! Huge FOUR CAR (!!) tandem garage …space for workshop, gym, boat/RV/trailer storage…plus extended driveway for additional parking space. FOUR bedrooms plus THREE FULL bathrooms including a first floor bedroom (or office/den) with FULL bathroom…current office built-ins can be removed. The gourmet kitchen is the centerpiece of the home…with a large center island, granite countertops, stainless steel appliances including DOUBLE OVEN, cooktop & nearly new dishwasher, professional glass rinser, custom pantry built-ins...for the professional chef or amateur, you couldn’t ask for more! ALL APPLIANCES STAY…including washer & dryer! The ULTIMATE upstairs loft & media area is wired & ready for projector and surround sound with custom built-ins and fireplace. SPECIAL FEATURES & UPGRADES INCLUDE…exterior paint (2024), water softener system, hardwood-look tile, custom built closet in primary suite, additional exterior outlets, interior Govee lighting, french doors, WIFI enabled garage door opener, automatic electronic blinds, EcoBee thermostat, security cameras (five outside + four inside), Kwikset autolocks, updated stair railing, treads & risers, ceiling fans, laundry room built-ins, B-hyve smart irrigation system with new heads…& MORE. Professionally designed wine room featuring R-19 insulated walls, mold-resistant green board, vapor barrier protection, a specialized pass-through wine cooling system designed for optimal wine storage, stained wood and glass door and a distinctive wine box ceiling that creates the perfect environment for collectors and enthusiasts alike. If wine is not your thing, this space is easily converted back to a large under stair storage closet. LOW HOA FEE includes the security gate at two entrances, common area landscaping, playground & park. Fantastic LOCATION -- easy access to the Wekiva Parkway with direct connect to all major highways and roadways for easy access to anywhere in Central Florida & beyond. WELCOME HOME!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,026

Sqft

0.37 ac

Lot size

4

Garage

2017

Year built

Two

Levels

$177

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized · Workshop in Garage
ExteriorFrench Doors · Lighting · Sidewalk

Community & fees

HOA fee$165/mo
Taxes (2025)$4,623/yr
PetsYes
CommunityGated Community - No Guard · Park · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Water Connected
WaterPublic

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.

$4,096 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,149
FHA mortgage insurance (est.)$237
Property tax — 2025 actual bill$385
HOA fee — from the listing$165
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,725Loan30-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% · $18,725
Interest rate6.00%
Loan term

Estimated payment

$4,096/mo

Principal & interest$3,149
FHA mortgage insurance (est.)$237
Property taxes (actual bill)$385
HOA / condo fee$165
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.

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.

List $535K
$514KedgeAI estimate $630,459 · range $610K$680K$708K

vs edgeAI estimate

−15.1%

$/sqft vs OAK RIDGE

$177 vs $237

Days on market

40 vs 28 typical

Where $177/sqft sits among the 13 homes for sale in OAK RIDGE

7 · this home
3
1
1
0
1
$166–243$243–319$319–396$396–472$472–549$549+

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 Apopka

Map of 4080 GOLDEN WILLOW CIRCLE

Drive times from this address

Downtown Orlando33 min
Universal Orlando36 min
Walt Disney World42 min
Orlando Int’l Airport (MCO)48 min

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

Get to know Apopka. See the full Apopka guide →

APOPKA 32712 — neighborhood snapshot

Population

49,522

Median age

41.9

Median income

$106,264

Median home value

$389,900

Avg household

3.04

Households w/ children

5,838

For the school run

Orange County School District

MiddleApopka Middle★★★★
ElementaryDream Lake Elementary★★★★★
HighApopka High★★★★★

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

The numbers that matter

The Apopka market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$399K$415K

Apopka median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

8 of 13

OAK RIDGE have cut their price

Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 11% above the APOPKA 32712 median. See the full Apopka market guide →

Paper trail

This home's history

CurrentPrice reduced to $535,000 $15K
Jun 14, 2026Listed at $550,000 · 40 days on market since
2017Built · OAK RIDGE

Reality check

What actually sold near 4080 GOLDEN WILLOW CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6454 SUMMERFIELD LOOPSold · Sep ’25

$785,000

6454 SUMMERFIELD LOOP · same community

4 bd · 3 ba · 3,068 sqft · $256/sqft · 76 DOM

1868 OVERVIEW DRIVESold · Mar ’26

$820,000

1868 OVERVIEW DRIVE · same community

5 bd · 3.5 ba · 3,201 sqft · $256/sqft · 119 DOM

6910 DAUBON COURTSold · Jun ’26

$740,000

6910 DAUBON COURT · same community

3 bd · 2 ba · 2,683 sqft · $276/sqft · 28 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4080 GOLDEN WILLOW CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4080 GOLDEN WILLOW CIRCLE — 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

4080 GOLDEN WILLOW CIRCLE FAQs

What would the monthly payment be for 4080 GOLDEN WILLOW CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,096/mo — principal and interest, the actual property-tax bill, the $165/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 4080 GOLDEN WILLOW CIRCLE?+

The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4080 GOLDEN WILLOW CIRCLE?+

The most recent tax bill on record (2025) was $4,623. 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 4080 GOLDEN WILLOW CIRCLE?+

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 Apopka?+

At $535,000, this home is listed about 19% above the Apopka median of $448,952. The market section on this page shows how the area is trending.

Which schools are assigned to 4080 GOLDEN WILLOW CIRCLE?+

Apopka Middle (middle), Dream Lake Elementary (elementary), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of TARA MOORE REAL ESTATE · Tara Moore. MLS #O6416792.

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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