12640 SOMERSET OAKS STREET, ORLANDO, FL, 32828
Active32 days on marketListed Jul 10, 2026MLS #O6423528
About this home
12640 SOMERSET OAKS STREET
Ideally located in the gated community of Waterford Villas, this freshly painted 3-bedroom, 2.5-bath townhome offers the perfect combination of comfort, convenience, and low-maintenance living. Just minutes from Waterford Lakes Town Center, you'll enjoy an abundance of shopping, restaurants, entertainment, and Regal Cinemas, along with convenient access to UCF, Research Park, SR 408, and SR 417. Step inside to a bright and inviting floor plan featuring ceramic tile throughout the entire first floor, creating a clean, low-maintenance living space. The fully equipped kitchen offers plenty of cabinet and counter space and opens to the living and dining areas, making it perfect for entertaining or simply enjoying time with family and friends. Sliding glass doors lead to a private patio, providing the perfect spot to enjoy your morning coffee, unwind after a long day, or create your own outdoor retreat. Upstairs, you'll find all three bedrooms offering privacy from the main living areas. The spacious primary suite features a walk-in closet and private bath, while the second-floor laundry closet comes complete with a washer and dryer, making laundry day easier and more convenient. Both full bathrooms have been recently updated with new waterproof laminate plank flooring, and the stairs and bedrooms are comfortably carpeted. Additional features include an attached one-car garage for secure parking and extra storage. Residents of Waterford Villas enjoy a low-maintenance lifestyle with amenities that include a community pool, playground, half basketball court, guest parking, and gated entry. The HOA also maintains the exterior of the buildings and the grounds, allowing you more time to enjoy everything this exceptional East Orlando location has to offer.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,483
Sqft
0.04 ac
Lot size
1
Garage
2004
Year built
Two
Levels
$219
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.
$2,844 /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
$2,844/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
−3.6%
$/sqft vs Orlando actives
$219 vs $250
Days on market
32 vs 43 typical
Where $219/sqft sits among the 400 Orlando 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 Orlando
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
189 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the ORLANDO 32828 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 12640 SOMERSET OAKS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$329,000
12644 SOMERSET OAKS STREET · same community
3 bd · 2.5 ba · 1,353 sqft · $243/sqft · 25 DOM
Sold · Jul ’26$320,000
12769 LEXINGTON SUMMIT STREET · same community
3 bd · 2.5 ba · 1,347 sqft · $238/sqft · 62 DOM
Sold · Jul ’26$325,000
12755 SOMERSET OAKS STREET · same community
3 bd · 2.5 ba · 1,716 sqft · $189/sqft · 35 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 12640 SOMERSET OAKS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12640 SOMERSET OAKS 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
12640 SOMERSET OAKS STREET FAQs
What would the monthly payment be for 12640 SOMERSET OAKS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,844/mo — principal and interest, the actual property-tax bill, the $258/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 12640 SOMERSET OAKS STREET?+
The association fee works out to $258 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12640 SOMERSET OAKS STREET?+
The most recent tax bill on record (2025) was $4,431. 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 12640 SOMERSET OAKS STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 Orlando?+
At $325,000, this home is listed about 17% below the Orlando median of $390,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Christine David. MLS #O6423528.
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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