407 OSPREY LAKES CIRCLE, OVIEDO, FL, 32766
Active23 days on marketListed Jul 10, 2026MLS #O6423810
About this home
407 OSPREY LAKES CIRCLE
Executive-Style Pool Home in Gated Osprey Lakes Welcome to this stunning executive-style home in the gated community of Osprey Lakes! Offering 4 bedrooms, 4 bathrooms, and an abundance of living space, this home is designed for comfort, entertaining, and everyday living. The spacious primary suite is conveniently located on the main floor, along with the home's primary living areas. Upstairs, you'll find three additional bedrooms and an oversized loft, providing the perfect space for a game room, media room, or second family room. Brand-new carpet throughout the upstairs adds a fresh, updated feel. The 3-car garage has been partially converted into a home office, offering an ideal workspace, while still allowing the option to easily convert it back to a full 3-car garage if desired. Situated on one of the largest lots in Osprey Lakes, the backyard is truly an outdoor retreat. Relax in the beautiful saltwater pool, surrounded by an expansive screened enclosure and spacious deck, perfect for entertaining family and friends. Behind the pool, you'll find a large backyard with plenty of room for children, pets, or outdoor activities. This home also features owned solar panels that transfer with the property, dramatically reducing monthly electric costs. The pool was resurfaced in 2022 and is equipped with AquaLink smart controls, allowing you to conveniently manage the pool lights and heater. Additional updates include two HVAC systems installed in 2017 and 2018, as well as newer windows throughout much of the home. There is a whole house water filter and reverse osmosis for the kitchen sink. With its spacious floor plan, premium lot, energy-efficient upgrades, and exceptional outdoor living space, this home truly has it all. There are simply too many features to list—you have to see it in person. Schedule your private tour today and discover everything this exceptional Osprey Lakes home has to offer!
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,079
Sqft
0.74 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$227
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.
$6,163 /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
$6,163/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
$227 vs $251
Days on market
23 vs 25 typical
Where $227/sqft sits among the 208 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 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 Oviedo market
$539K → $580K
Oviedo median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
107 of 208
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the OVIEDO 32766 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 407 OSPREY LAKES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$750,000
342 OSPREY LAKES CIRCLE · same community
4 bd · 3 ba · 2,986 sqft · $251/sqft · 39 DOM
Sold · Jun ’26$1,226,000
773 MILLS ESTATE PLACE
4 bd · 4 ba · 4,206 sqft · $291/sqft · 15 DOM
Sold · Aug ’25$2,075,000
1550 BLUEWATER RUN
4 bd · 3.5 ba · 3,767 sqft · $551/sqft · 42 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 407 OSPREY LAKES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 407 OSPREY LAKES CIRCLE — 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
407 OSPREY LAKES CIRCLE FAQs
What would the monthly payment be for 407 OSPREY LAKES CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,163/mo — principal and interest, the actual property-tax bill, the $107/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 407 OSPREY LAKES CIRCLE?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 407 OSPREY LAKES CIRCLE?+
The most recent tax bill on record (2025) was $6,696. 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 407 OSPREY LAKES CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $925,000, this home is listed about 76% above the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 407 OSPREY LAKES CIRCLE?+
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
01Positioned at the premium end
$925,000 runs 40% above the OVIEDO 32766 median — but at 4,079 sqft it's also nearly twice the size of the typical Oviedo listing.
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
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 CFRP REALTY LLC · John Dannel. MLS #O6423810.
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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