David Ramirez
$280,000$285,0003 bd2 ba1,182 sqft$237 /sqft$2,337 /mo all-in ↓

5546 REGAL OAK CIRCLE, ORLANDO, FL, 32810

Active57 days on marketListed May 28, 2026MLS #V4949245

Priced 7% below the ORLANDO 32810 medianReduced $5KSingle Family ResidenceCLARCONA ESTATES

About this home

5546 REGAL OAK CIRCLE

PRICE IMPROVEMENT! Sale fell through at no fault of the seller or property. Adorable 3-bedroom, 2-bath single-family home with a 1-car garage in Orlando — priced under $300K! Enjoy added privacy with no rear neighbors as the property backs up to a peaceful retention pond. This well-maintained home features an energy-efficient gas water heater and gas range, a fully fenced backyard, and fresh interior paint throughout. All three bedrooms feature recently installed laminate flooring, while tile flooring runs through the family room, kitchen, hallway, and both bathrooms for easy maintenance. The spacious family room showcases a vaulted ceiling and upgraded ceiling fan, creating an open and inviting atmosphere. The kitchen offers a cozy eat-in area plus a convenient breakfast bar overlooking the living space — perfect for entertaining. The primary suite includes a private bath and generous closet space. A roomy one-car garage provides additional storage and includes the washer/dryer area. Conveniently located near shopping, dining, medical facilities, schools, parks, and lakes. Just minutes from Downtown Orlando, Altamonte Springs, Winter Park, College Park, and Central Florida attractions. Schedule your private showing!!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,182

Sqft

0.1 ac

Lot size

1

Garage

1995

Year built

One

Levels

$237

Per sqft

Pets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Gas Water Heater · Microwave · Range · Refrigerator
InteriorEating Space In Kitchen · High Ceilings · Open Floorplan
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesEast
ExteriorSliding Doors

Community & fees

HOA fee$17/mo
Taxes (2025)$4,658/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected
WaterPublic

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.

$2,337 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,648
FHA mortgage insurance (est.)$124
Property tax — 2025 actual bill$388
HOA fee — from the listing$17
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,800
Interest rate6.00%
Loan term

Estimated payment

$2,337/mo

Principal & interest$1,648
FHA mortgage insurance (est.)$124
Property taxes (actual bill)$388
HOA / condo fee$17
Est. insurance$160

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.

List $280K
$269KedgeAI estimate $289,445 · range $281K$308K$320K

vs edgeAI estimate

−3.3%

$/sqft vs Orlando actives

$237 vs $239

Days on market

57 vs 34 typical

Where $237/sqft sits among the 400 Orlando actives

103
123 · this home
93
42
12
27
$134–193$193–252$252–311$311–369$369–428$428+

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 Clarcona Estates

Map of 5546 REGAL OAK CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Orlando16 min
Universal Orlando23 min
Orlando Int’l Airport (MCO)35 min
Walt Disney World38 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Orlando. See the full Orlando guide →

Clarcona Estates — neighborhood snapshot

Population

325

Median age

41

Median home value

$238,600

Avg household

2

Households w/ children

32%

For the school run

Orange County School District

MiddleLockhart Middle★★★★
HighWekiva High★★★★
ElementaryRiverside Elementary★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Orlando market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$400K$405K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

146 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 7% below the ORLANDO 32810 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $280,000 $5K
May 28, 2026Listed at $285,000 · 57 days on market since
1995Built · CLARCONA ESTATES

Reality check

What actually sold near 5546 REGAL OAK CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5322 REGAL OAK CIRCLESold · Apr ’26

$299,900

5322 REGAL OAK CIRCLE · same community

3 bd · 2 ba · 1,288 sqft · $233/sqft · 57 DOM

5452 REGAL OAK CIRCLESold · Jan ’26

$300,000

5452 REGAL OAK CIRCLE · same community

4 bd · 2 ba · 1,448 sqft · $207/sqft · 84 DOM

4908 SILVER OAKS VILLAGE UNIT ASold · Dec ’25

$93,000

4908 SILVER OAKS VILLAGE UNIT A

2 bd · 1.5 ba · 1,181 sqft · $79/sqft · 38 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5546 REGAL OAK CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5546 REGAL OAK 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.

Goes straight to David’s phone and CRM.

Straight answers

5546 REGAL OAK CIRCLE FAQs

What would the monthly payment be for 5546 REGAL OAK CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,337/mo — principal and interest, the actual property-tax bill, the $17/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 5546 REGAL OAK CIRCLE?+

The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5546 REGAL OAK CIRCLE?+

The most recent tax bill on record (2025) was $4,658. 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 5546 REGAL OAK CIRCLE?+

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 Orlando?+

At $280,000, this home is listed about 28% below the Orlando median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5546 REGAL OAK CIRCLE?+

Lockhart Middle (middle), Wekiva High (high), Riverside Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LOCAL LIVING REALTY GROUP · Heather Travis. MLS #V4949245.

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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