116 W 5TH STREET, CHULUOTA, FL, 32766
Active52 days on marketListed Jun 16, 2026MLS #O6416945
About this home
116 W 5TH STREET
Virtually Staged. Seller may consider buyer concessions if made in an offer ~ A major value-add awaits the next owner with a **BRAND NEW ROOF & OWNED SOLAR** (roof to be installed before closing / solar panels paid off at closing), giving you peace of mind and energy-saving benefits from day one! Situated on a spacious .21 ACRE LOT in desirable North Chuluota, this beautifully updated 3-bedroom, 2-bath home with a 2-car garage combines modern upgrades, a functional SPLIT BEDROOM FLOOR PLAN, and the freedom of NO HOA living. Mature landscaping and inviting curb appeal welcome you home, while the fully FENCED BACKYARD is framed by a mature tree line for added privacy. Recent exterior improvements include a new irrigation system and backyard pavers, creating the perfect setting to enjoy Florida living outdoors. Inside, WOOD & TILE FLOORING flow throughout the home, complementing the bright and open design. The open great room is highlighted by a VAULTED CEILING that enhances the natural light and airy feel of the home. In the heart of it all is the beautifully UPDATED KITCHEN, thoughtfully designed with the modern home chef in mind. Features include a chic color palette, subway tile backsplash, sleek countertops, STAINLESS STEEL APPLIANCES, a large window over the sink, and an impressive OVERSIZED ISLAND with bar seating and storage on all sides. Open to the living area, it creates the perfect space for gathering with family and entertaining friends. Just off the kitchen, the adjacent laundry room offers added convenience with built-in shelving and a storage closet/pantry. French doors let the natural light pour in and lead to a large SCREENED LANAI, extending your living space outdoors and providing a comfortable place to relax year-round. The split-bedroom layout offers privacy for everyone with the PRIMARY SUITE ideally situated on one side of the home delivering a WALK-IN CLOSET and an UPDATED EN-SUITE BATH. Bedrooms two and three are located on the opposite side and share a second full bath, also updated, and one bedroom adds extra character with a stylish wood slat accent wall. Whether you are searching for your first home, looking to downsize, or seeking a great investment opportunity, this property checks all the boxes. Located in an area known for TOP-RATED SCHOOLS and surrounded by lakes, parks, shopping, and dining, you will enjoy easy access to CR 419, neighboring Oviedo, Oviedo on the Park, UCF, and Waterford Lakes Town Center. Updated, energy-efficient, and MOVE-IN READY with no HOA – this North Chuluota gem is one you won't want to miss. Call today to schedule a tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,253
Sqft
0.21 ac
Lot size
2
Garage
2015
Year built
One
Levels
$331
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 — not generic estimates.
$3,184 /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
$3,184/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
+11.4%
$/sqft vs Chuluota actives
$331 vs $299
Days on market
52 vs 56 typical
Where $331/sqft sits among the 20 Chuluota 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 Chuluota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Chuluota. See the full Chuluota guide →
CHULUOTA 32766 — neighborhood snapshot
Population
15,966
Median age
42.2
Median income
$146,215
Median home value
$529,600
Avg household
3.18
Households w/ children
2,393
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Chuluota market
$584K → $735K
Chuluota median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
12 of 20
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 116 W 5TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$400,000
142 E 11TH STREET · same community
3 bd · 2 ba · 1,252 sqft · $319/sqft · 5 DOM
Sold · Oct ’25$320,000
189 W 3RD STREET · same community
3 bd · 2 ba · 1,324 sqft · $242/sqft · 52 DOM
Sold · Jul ’26$335,500
71 1ST STREET · same community
3 bd · 1 ba · 1,324 sqft · $253/sqft · 3 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 116 W 5TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 W 5TH STREET — 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
116 W 5TH STREET FAQs
What would the monthly payment be for 116 W 5TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,184/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 116 W 5TH STREET?+
The most recent tax bill on record (2025) was $4,772. 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 116 W 5TH STREET?+
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 Chuluota?+
At $415,000, this home is listed about 58% below the Chuluota median of $985,000. The market section on this page shows how the area is trending.
Which schools are assigned to 116 W 5TH STREET?+
Walker Elementary School (elementary), Chiles Middle School (middle), Hagerty 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 CHULUOTA 32766 market on paper
$415,000 is 38% below the CHULUOTA 32766 median of $665,000, and at $331/sqft it sits under the Chuluota average of $361.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Walker Elementary School, Chiles Middle School, Hagerty High School — Walker Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6416945.
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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