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List Price

$223,900

1939 Summer Club Apt Unit 315, Oviedo, FL 32765

178 days on market↓ $26K from original list price

Estimated Payment

$2,298/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,223 Square FeetYear builtBuilt 1998

Listed by

Annie Blair

SUNRISE PROPERTIES SOLUTIONS LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

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Welcome to this charming 3-bedroom, 2-bathroom split floor plan, this condo located in the highly desirable Oviedo area of Seminole County. Boasting over 1,223 square feet of living space, this home offers a comfortable and functional layout perfect for families, all 3 bedrooms has walk in closets, fans and window treatments, perfect for professionals, or investors. The spacious living and dining areas provide plenty of room for entertaining, while the well-appointed kitchen with stainless appliance, granite countertops and wood cabinets for function and beauty. Convenient laundry room with washer and dryer. Has a wonderful view from third floor balcony overlooking pond and tree line. The balcony also has useful storage space on one end. Recent improvements, include laminate flooring throughout except for tile floors in kitchen and bathrooms. The community offers and impressive array of amenities including a swimming pool with BBQ area, fitness center, tennis courts, playground and soon will have basketball, volleyball, and pickleball courts.

1939 Summer Club Apt Unit 315, Oviedo, FL 32765 in Oviedo, FL 32765 is listed for $223,900. The home has 3 bedrooms, 2 bathrooms, and 1,223 square feet, and was built in 1998. Listed 178 days ago. The price was reduced from $249,900. The listing is held by SUNRISE PROPERTIES SOLUTIONS LLC.

32765 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,790 (tax year 2025)
HOA fee$683 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $44,780

$

$2,298/moest.

  • Principal & Interest 52%
  • Property Taxes 10%
  • Insurance 8%
  • HOA 30%
Principal & Interest
$1,195
Property Taxesfrom listing
$233
Insurance
$187
HOA
$683

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,298, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,790 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR786551484. HomeJam is not the listing broker.

List Price

$223,900

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