
3198 HEIRLOOM ROSE PLACE, OVIEDO, FL, 32766
Active42 days on marketListed Jun 25, 2026MLS #O6419551
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
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.
$5,657 /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
$5,657/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.
$/sqft vs Oviedo actives
$226 vs $250
Days on market
42 vs 32 typical
Where $226/sqft sits among the 199 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 Sanctuary Village
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oviedo 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
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.
Sold · Jul ’26$1,035,000
3197 HEIRLOOM ROSE PLACE · same community
5 bd · 4.5 ba · 4,319 sqft · $240/sqft · 35 DOM
Sold · Jun ’26$620,000
2585 TURTLEHEAD COVE · same community
4 bd · 3 ba · 2,693 sqft · $230/sqft · 41 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3198 HEIRLOOM ROSE PLACE — start here.

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
Pick a day that works — this 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.
Keep looking
Similar homes nearby
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.
Never miss a listing
New Oviedo homes, in your inbox
Like 3198 HEIRLOOM ROSE PLACE but not quite? A daily digest of every new listing in Oviedo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


