1312 Peach Creek Drive, FL 32764, FL, 32764
Active130 days on marketListed Apr 2, 2026MLS #B26010254
About this home
1312 Peach Creek Drive, FL 32764
2024 built 4 bedroom in Osteen with a real path to ownership. Seller financing and owner financing alternative, no bank needed. Approx. $25,000 down payment and a fixed monthly payment from $3,250 including taxes and insurance. You become a legal co-owner at closing through the seller's co-ownership program. Every payment buys more of the home until you own 100%. Not rent to own, the equity you build is yours. Bank said no? Steady W-2, self employed or 1099 income plus your entry payment is what counts, not just a credit score. 1,950 sq ft of single story living, 4 bedrooms, 2 baths in Vineland Reserve, an easy drive to Sanford and Lake Mary on SR 415. Schedule your tour today and ask for the ownership guide. Se habla español.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,950
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
1
Levels
$195
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.
$3,157 /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
$3,157/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.
Reality check
What actually sold near 1312 Peach Creek Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$384,900
1489 COUNTY ROAD 228 · same community
3 bd · 2 ba · 2,097 sqft · $184/sqft · 137 DOM
Sold · Dec ’25$375,000
12112 CR 727 · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM
Sold · Dec ’25$485,000
29655 SE 152ND (RAVENSWOOD) PLACE · same community
3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1312 Peach Creek Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1312 Peach Creek Drive — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1312 Peach Creek Drive FAQs
What would the monthly payment be for 1312 Peach Creek Drive, FL 32764?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,157/mo — principal and interest, the actual property-tax bill, the $110/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 1312 Peach Creek Drive, FL 32764?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1312 Peach Creek Drive, FL 32764?+
The most recent tax bill on record (2025) was $5,788. 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 1312 Peach Creek Drive, FL 32764?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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 Miami Association of REALTORS®.