1017 TURTLE CREEK DRIVE, OVIEDO, FL, 32765
Active19 days on marketListed Jul 6, 2026MLS #O6422520
About this home
1017 TURTLE CREEK DRIVE
Welcome home to this beautifully updated pool home in the highly sought after Twin Rivers community of Oviedo. Carefully renovated throughout, this absolutely move-in ready residence offers a functional split bedroom floor plan filled with abundant natural light, creating a bright and inviting atmosphere for both everyday living and entertaining. The heart of the home is the stunning kitchen, remodeled in 2023 with granite countertops, stainless steel appliances, and generous workspace. The spacious living areas flow seamlessly to the backyard, where you'll discover your own private Florida retreat featuring a sparkling pool, a convenient pool bath, attractive paver hardscape, and a new (2026) vinyl privacy fence, perfect for relaxing weekends, outdoor dining, or entertaining family and friends. Recent improvements provide added peace of mind, including a newer air conditioning system that has been professionally serviced, a newer water heater, and a spacious two-car garage. A dedicated laundry room with a utility sink adds everyday convenience. Ideally located just minutes from Oviedo on the Park, sought after golf courses, the University of Central Florida, shopping, dining, recreation, and Riverside Skate Park. Combining thoughtful updates, exceptional outdoor living, and an outstanding location, this meticulously maintained home is truly move-in ready and offers the perfect balance of comfort, convenience, and Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,952
Sqft
0.17 ac
Lot size
2
Garage
1989
Year built
One
Levels
$276
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.
$4,114 /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
$4,114/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
+9.8%
$/sqft vs Oviedo actives
$276 vs $251
Days on market
19 vs 25 typical
Where $276/sqft sits among the 204 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 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)
112 of 204
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1017 TURTLE CREEK DRIVE
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$495,000
1024 MOCCASIN RUN ROAD · same community
4 bd · 2 ba · 1,830 sqft · $270/sqft · 2 DOM
Sold · Jun ’26$554,000
1008 MOCCASIN RUN ROAD · same community
3 bd · 2 ba · 2,124 sqft · $261/sqft · 8 DOM
Sold · Jun ’26$530,000
3397 STERLING LAKE CIRCLE
4 bd · 2 ba · 1,934 sqft · $274/sqft · 23 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 1017 TURTLE CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1017 TURTLE CREEK DRIVE — 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
1017 TURTLE CREEK DRIVE FAQs
What would the monthly payment be for 1017 TURTLE CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,114/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 1017 TURTLE CREEK DRIVE?+
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 1017 TURTLE CREEK DRIVE?+
The most recent tax bill on record (2025) was $6,274. 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 1017 TURTLE CREEK DRIVE?+
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 $539,000, this home is listed about 3% above the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1017 TURTLE CREEK DRIVE?+
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
01Positioned at the premium end
$539,000 runs 16% above the OVIEDO 32765 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Brian Rotenberger. MLS #O6422520.
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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