642 OSPREY LAKES CIRCLE, Chuluota, FL, 32766 | $959,000

One or more photo(s) has been virtually staged. Seller may consider buyer concessions if made in an offer ~ Chuluota/Oviedo GEM and a rare opportunity to own this beautiful 6-bedroom, 3-full bath POOL HOME home in the GATED COMMUNITY of Osprey Lakes on a massive 1. 25 ACRE LOT, with WOODED VIEWS in the front and WATER VIEWS in the back, formal, family and flex space, soaring ceilings, a MAIN FLOOR PRIMARY SUITE, FRESH INTERIOR & EXTERIOR PAINT, OWNED SOLAR PANELS for the pool and HVAC system and you are zoned for TOP-RATED SCHOOLS including HAGERTY HIGH! Start your tour in the two-story living and dining areas, setting the tone for this versatile floor plan with WALL TO WALL SLIDING GLASS DOORS that open up completely making indoor/outdoor living and entertaining a breeze! An arched doorway invites you into a comfortable casual dining and family space made perfect by the modern kitchen delivering desirable stainless steel appliances, plenty of cabinet and counter space, a prep island and bar seating on the wrap-around peninsula. Another sliding glass door offers direct access to the paver lanai for multiple access points for the family. There is a bedroom and full bath tucked away with a nice sized laundry room and you will appreciate the generous main floor primary suite. A true escape from the day the homeowner will delight in the large window that overlooks the pool and water beyond, DUAL WALK-IN CLOSETS and a well appointed en-suite bath. Four more bedrooms and a third full bath can be found on the second floor around a central LOFT/FLEX space. The 3-CAR GARAGE delivers ample parking and the CUSTOM POOL and LANAI features over 2, 000 square feet of pool deck, the 8’ deep Pebble Tec pool, and newly paved (2024) entertaining space! Also noteworthy; the primary suite and upstairs carpet was replaced in 2024, the pool is solar heated along with the 5-ton A/C unit, there is surround sound in your primary suite and family room, and the kitchen boasts Silestone quartz countertops. The serenity of no front or rear neighbors also comes with views of a registered bird reserve/Egret Island, Osprey Lake and nearby access to the Florida National Scenic Trail for walking/biking. You are zoned for sought-after Oviedo schools and just minutes from shopping, dining, the Oviedo Sports Complex, Seminole State College, UCF, Oviedo on the park, Oviedo Mall and Waterford Lakes Town Center. You wont find a more perfect location with plenty of space for room to grow inside and out. Call today to schedule a tour!

Features

  • Rooms: 13
  • Bedrooms: 6
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 2003
  • Garage: 3-car Driveway, Split Garage
  • Heating: Central, Solar
  • Cooling: Central Air
  • Approx Sq. Feet: 3,668
  • Acreage: 1.25
  • Est. Taxes: $4,390
  • HOA Fee: $1,288 Annually
  • Lot Desc: Conservation Area, Landscaped, Oversized Lot, Sidewalk
  • View: Trees/Woods, Water
  • Elem. School: Walker Elementary
  • Middle School: Chiles Middle
  • High School: Hagerty High
  • Pool: In Ground, Screen Enclosure
  • Pet Policy: Number Limit, Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Microwave, Refrigerator
  • MLS#: O6280183
  • Days on Market: 44 days
  • Website: https://www.raveis.com
    /eprop/O6280183/642ospreylakescircle_chuluota_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/12/2025 2:10:51 AM)
Listing courtesy of WEMERT GROUP REALTY LLC   Phone: 407-743-8356

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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642 OSPREY LAKES CIRCLE, Chuluota, FL, 32766

$959,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $767,200 $767,200 $767,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.625% 6.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.109% 6.764% 6.581%
Monthly Tax Payment $366 $366 $366
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,786 $4,912 $6,631
Total Monthly Payment $5,244 $5,370 $7,089

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.