David Ramirez
$849,000$870,0005 bd4 ba3,750 sqft$226 /sqft$5,657 /mo all-in ↓

3198 HEIRLOOM ROSE PLACE, OVIEDO, FL, 32766

Active42 days on marketListed Jun 25, 2026MLS #O6419551

Reduced $21KSingle Family ResidenceSANCTUARY PH 2 VILLAGES 2 & 4

Come see it

Upcoming open house

Sat, Aug 8

12:00 PM – 2:30 PM

Open House Saturday, August 1st from 12 noon to 2:30 pm. Contact Sidney Galloway at 407.421.9990 with questions or to make an appointment.

About this home

3198 HEIRLOOM ROSE PLACE

Amazing 5-bedroom, 4-bath Oviedo home with a 3-car garage, more than 5,000 total square feet, and no rear neighbors, located on a quiet street in the back of The Sanctuary. Enjoy peaceful conservation views throughout the community, along with state-of-the-art amenities including a fitness area, tennis and volleyball courts, resort-style pool facilities, and a playground. This desirable Oviedo location is known for top-rated public schools, parks, sports fields, and convenient access to the University of Central Florida, Full Sail University, area attractions, and beaches. The floor plan features a downstairs primary suite plus a second downstairs bedroom with pool bath, currently used as an office and craft area. Upstairs are three additional bedrooms, two bathrooms, and a loft that opens to a back balcony with majestic conservation views. The spacious downstairs living areas include 9-foot ceilings, 8-foot doors, a formal living room, formal dining room, spacious kitchen, breakfast nook, and family room—perfect for entertaining. Tile flooring enhances these main living spaces. Designed for Florida living, the home wraps around a large, covered lanai overlooking a private wooded conservation backyard. Extra-accent windows and two sets of glass sliders fill the home with natural light and beautiful views. Glass double front doors open to a dramatic foyer with 19-foot ceilings, a formal living room, and a lovely staircase with oak banister and white spindles that continue along the open loft. Custom lighting, tray ceilings, crown molding, and solid wood cabinets in the kitchen, laundry room, bathrooms, and office add quality and character throughout. All appliances convey, including a GE washer and dryer (2023), Whirlpool refrigerator (2020), Maytag dishwasher (2022), built-in oven, cooktop, microwave, and disposal. The private primary suite offers an extended sitting area and two walk-in closets. The primary bathroom includes two raised vanity areas, a prep/sitting counter, garden Jacuzzi tub with glass-block window, and spacious double-headed shower. The dedicated laundry room includes cabinets, shelving, and a utility sink. Brick pavers enhance the back lanai, front porch, and courtyard driveway, complementing the home’s beautiful Mediterranean-style architecture. The split 3-car garage and courtyard driveway provide added parking. Recent updates include all three HVAC units replaced (2018, 2019, and 2023), 80-gallon hot water heater (2020), roof with gutters and downspouts (2015), exterior high-quality paint (Spring 2026), and interior high-quality paint (2025). 2-car garage is 21 x 20 & 1-car garage is 21 x 10. Meticulously maintained and move-in ready—call today to schedule your showing. (The land behind 3198 Heirloom Rose Pl is owned by the community and it will never be developed; it is a buffer behind this property.)

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,750

Sqft

0.26 ac

Lot size

3

Garage

2006

Year built

Two

Levels

$226

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouthwest
ParkingGarage Faces Side
ExteriorIrrigation System · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$117/mo
Taxes (2025)$5,764/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Golf Carts OK · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · 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.

$5,657 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property tax — 2025 actual bill$480
HOA fee — from the listing$117
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,900
Interest rate6.00%
Loan term

Estimated payment

$5,657/mo

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property taxes (actual bill)$480
HOA / condo fee$117
Est. insurance$160

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.

$/sqft vs Oviedo actives

$226 vs $250

Days on market

42 vs 32 typical

Where $226/sqft sits among the 199 Oviedo actives

73 · this home
62
40
12
2
10
$200–236$236–273$273–309$309–346$346–382$382+

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 Sanctuary Village

Map of 3198 HEIRLOOM ROSE PLACE inside its neighborhood boundary

Drive times from this address

Downtown Orlando35 min
Orlando Int’l Airport (MCO)43 min
Universal Orlando48 min
Walt Disney World60 min

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

Get to know Oviedo. See the full Oviedo guide →

Sanctuary Village — neighborhood snapshot

Population

3,041

Median age

40

Median income

$138,913

Median home value

$479,000

Avg household

3

Households w/ children

541

For the school run

Seminole County School District

MiddleChiles Middle School★★★★
ElementaryWalker Elementary School★★★★
HighHagerty High School★★★★

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

The numbers that matter

The Oviedo market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s market

$530K$540K

Oviedo median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

107 of 199

Oviedo actives have cut their price

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

This home is listed 28% above the OVIEDO 32766 median. See the full Oviedo market guide →

Paper trail

This home's history

CurrentPrice reduced to $849,000 $21K
Jun 25, 2026Listed at $870,000 · 42 days on market since
2006Built · SANCTUARY PH 2 VILLAGES 2 & 4

Reality check

What actually sold near 3198 HEIRLOOM ROSE PLACE

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

3197 HEIRLOOM ROSE PLACESold · Jul ’26

$1,035,000

3197 HEIRLOOM ROSE PLACE · same community

5 bd · 4.5 ba · 4,319 sqft · $240/sqft · 35 DOM

2585 TURTLEHEAD COVESold · Jun ’26

$620,000

2585 TURTLEHEAD COVE · same community

4 bd · 3 ba · 2,693 sqft · $230/sqft · 41 DOM

2267 FOLIAGE OAK TERRACESold · Feb ’26

$915,000

2267 FOLIAGE OAK TERRACE

6 bd · 3 ba · 3,752 sqft · $244/sqft · 22 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 3198 HEIRLOOM ROSE PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3198 HEIRLOOM ROSE PLACE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

3198 HEIRLOOM ROSE PLACE FAQs

What would the monthly payment be for 3198 HEIRLOOM ROSE PLACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,657/mo — principal and interest, the actual property-tax bill, the $117/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 3198 HEIRLOOM ROSE PLACE?+

The association fee works out to $117 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3198 HEIRLOOM ROSE PLACE?+

The most recent tax bill on record (2025) was $5,764. 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 3198 HEIRLOOM ROSE 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 $849,000, this home is listed about 64% above the Oviedo median of $519,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3198 HEIRLOOM ROSE PLACE?+

Chiles Middle School (middle), Walker Elementary School (elementary), Hagerty High School (high) — 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

$849,000 runs 28% above the OVIEDO 32766 median — but at 3,750 sqft it's also nearly twice the size of the typical Oviedo listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Chiles Middle School, Walker Elementary School, Hagerty High School — Chiles Middle School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $870,000, now $849,000 — a $21K cut. The full history is in the market section below.

Listing courtesy of GALLOWAY REAL ESTATE · Sidney Galloway. MLS #O6419551.

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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