638 TALL OAKS TERRACE, LONGWOOD, FL, 32750
Active18 days on marketListed Jul 22, 2026MLS #O6426727
About this home
638 TALL OAKS TERRACE
Welcome to this beautifully reimagined residence where timeless design meets modern luxury. Every detail of this professionally renovated home has been thoughtfully curated to create a warm living experience. From the moment you arrive, you’ll appreciate the stunning curb appeal, fresh landscaping, and elegant exterior finishes that set the tone for what’s inside. Step through the front door into a bright, open-concept floor plan featuring wide-plank flooring, designer lighting, and an abundance of natural light. The heart of the home is the show stopping kitchen, complete with custom cabinetry, premium countertops, stylish hardware, and a spacious island perfect for entertaining or everyday living. The primary suite offers a peaceful retreat with a beautifully updated spa-inspired bathroom, while the additional bedrooms provide flexibility for family, guests, or a home office. Every bathroom has been tastefully renovated with high-end finishes that blend both style and function. Designed with today’s buyer in mind, this turnkey home offers the perfect balance of modern elegance and comfortable living. Conveniently located near top-rated schools, shopping, dining, major highways, and everything Longwood has to give, this home is truly move-in ready. Don’t miss the opportunity to own a completely renovated home where quality craftsmanship and thoughtful design shine throughout. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,958
Sqft
0.13 ac
Lot size
2
Garage
1994
Year built
One
Levels
$254
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.
$3,715 /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
$3,715/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
+12%
$/sqft vs Longwood actives
$254 vs $239
Days on market
18 vs 29 typical
Where $254/sqft sits among the 159 Longwood 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 Crystal Creek
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longwood. See the full Longwood guide →
Crystal Creek — neighborhood snapshot
Population
722
Median age
52
Median income
$124,219
Median home value
$357,700
Avg household
2
Households w/ children
38%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Longwood market
$465K → $538K
Longwood median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
85 of 159
Longwood actives have cut their price
Median sold price, Longwood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the LONGWOOD 32750 median. See the full Longwood market guide →
Paper trail
This home's history
Reality check
What actually sold near 638 TALL OAKS TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$290,000
638 TALL OAKS TERRACE · same community
4 bd · 3 ba · 1,958 sqft · $148/sqft · 0 DOM
Sold · Oct ’25$400,000
982 HIGH POINT LOOP · same community
3 bd · 2 ba · 1,646 sqft · $243/sqft · 2 DOM
Sold · Mar ’26$485,950
811 GATEHOUSE DRIVE
3 bd · 2 ba · 2,022 sqft · $240/sqft · 301 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 638 TALL OAKS TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 638 TALL OAKS TERRACE — 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
638 TALL OAKS TERRACE FAQs
What would the monthly payment be for 638 TALL OAKS TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,715/mo — principal and interest, the actual property-tax bill, the $33/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 638 TALL OAKS TERRACE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 638 TALL OAKS TERRACE?+
The most recent tax bill on record (2025) was $4,437. 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 638 TALL OAKS TERRACE?+
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 Longwood?+
At $498,000, this home is listed about 11% above the Longwood median of $449,250. The market section on this page shows how the area is trending.
Which schools are assigned to 638 TALL OAKS TERRACE?+
Lake Mary High School (high), Greenwood Lakes Middle School (middle), Highlands Elementary School (elementary) — 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
$498,000 runs 37% above the LONGWOOD 32750 median.
02Strong assigned schools
Lake Mary High School, Greenwood Lakes Middle School, Highlands Elementary School — Highlands Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $499,900, now $498,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Carolina Ceja. MLS #O6426727.
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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