CENTURY 21 Edge
Pending
$528,000$549,5004 bd3 ba2,280 sqft$232 /sqft$4,157 /mo all-in ↓

3412 BLUFF OAK LANE, SANFORD, FL, 32771

Pending112 days on marketListed Apr 16, 2026MLS #O6399596

Reduced $22KSingle Family ResidenceRIVERSIDE OAKS PH 1

About this home

3412 BLUFF OAK LANE

Discover a unique offering in Riverside Oaks, the gated enclave in Sanford, Florida with the only private community access to the St. Johns network of waterways and the Southern shore of Lake Monroe. This home was constructed by Toll Brothers in the early phase of the community on one of very few lots nestled against a private, wooded easement. As a double lot upgrade, the water views off the lanai facing the pond offer spectacular Florida sunsets. This charming craftsman-style bungalow reveals a surprisingly expansive footprint with a gracious foyer hall unfolding into generous open spaces. Accommodating a growing family or a houseful of snowbird guests is a breeze with two bedrooms sharing a full bath with shower upgrade off the front hall. An unexpected additional bedroom with ensuite is off the kitchen through a small passage. Standard features include elevated ceilings, 8’ doors and tandem triple garage. Those features were enhanced with extensive upgrades to include porcelain tile floors, triple-stacked sliding glass doors, tray ceilings in the living room and primary bedroom, tile to the ceiling in all bathrooms, custom plantation shutters and soft close cabinetry throughout. Six matching remote-controlled fans promote comfort in all rooms and the lanai. The gracious kitchen is complete with an expanded island, an upgraded backsplash and walk-in pantry. Custom shelf genie cabinet inserts offer storage with rolling ease. The spacious living room accommodates family dining, large sectionals and grand scale entertainment. Opening the 8’ triple doors invite entertaining on the lanai. The beautiful fencing features additional picketing, providing extra security for small children and pets. At day’s end, the primary suite is tucked away in the back of the home and entered through a pleasant owner’s vestibule This lovely bedchamber, spa bath and walk-in closet offer respite from the world. Utilitarian elements include a Britta water softener, garage racking, plumbing available for that garage sink and leaf filtering gutters. The Wilmot has been the plan featured as the model in Riverside Oaks throughout development of the community and admired by all who visited. Sanford has become a destination in Central Florida for dining and entertainment. A new Publix is nearby with ongoing retail development. Sanford International Airport is minutes away, while Orlando International Airport is freeway-accessible in 35 minutes via State Road 417. New Smyrna Beach and the glorious Atlantic beaches are a half hour from Riverside Oaks. If you are looking for a special, turnkey home with customized elements on one of the best lots in a new, Seminole County community, schedule your private tour today.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,280

Sqft

0.14 ac

Lot size

3

Garage

2021

Year built

One

Levels

$232

Per sqft

Water viewPets allowed

Inside

FlooringCarpet · Porcelain Tile · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$141/mo
Taxes (2025)$6,168/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Gated Community - No Guard · Irrigation-Reclaimed Water · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Sewer Connected · Sprinkler Recycled · Street Lights · Water 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.

$4,157 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,108
FHA mortgage insurance (est.)$234
Property tax — 2025 actual bill$514
HOA fee — from the listing$141
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,480Loan30-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% · $18,480
Interest rate6.00%
Loan term

Estimated payment

$4,157/mo

Principal & interest$3,108
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$514
HOA / condo fee$141
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 $528K
$487KedgeAI estimate $521,612 · range $507K$558K$581K

vs edgeAI estimate

+1.2%

$/sqft vs Sanford actives

$232 vs $216

Days on market

112 vs 32 typical

Where $232/sqft sits among the 391 Sanford actives

66
94
91 · this home
58
49
33
$151–178$178–205$205–232$232–259$259–286$286+

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 Sanford

Map of 3412 BLUFF OAK LANE

Drive times from this address

Downtown Orlando37 min
Orlando Int’l Airport (MCO)46 min
Universal Orlando50 min
Walt Disney World63 min

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

Get to know Sanford. See the full Sanford guide →

SANFORD 32771 — neighborhood snapshot

Population

59,708

Median age

38.7

Median income

$74,520

Median home value

$332,500

Avg household

2.66

Households w/ children

7,359

For the school run

Seminole County School District

ElementaryGoldsboro Elementary Magnet★★★★
ElementaryIdyllwilde Elementary School★★★★★
ElementaryBentley Elementary School★★★★★
HighSeminole High School★★★★★
ElementaryWilson Elementary School★★★★
MiddleMarkham Woods Middle School★★★★★

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

The numbers that matter

The Sanford market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$354K$380K

Sanford median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

204 of 391

Sanford actives have cut their price

Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 49% above the SANFORD 32771 median. See the full Sanford market guide →

Paper trail

This home's history

CurrentPrice reduced to $528,000 $22K
Apr 16, 2026Listed at $549,500 · 112 days on market since
2021Built · RIVERSIDE OAKS PH 1

Reality check

What actually sold near 3412 BLUFF OAK LANE

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

2029 TWIN FLOWER LNSold · Jun ’26

$435,000

2029 TWIN FLOWER LN

4 bd · 2.5 ba · 2,261 sqft · $192/sqft · 329 DOM

3536 SUNGROVE CIRCLESold · Jun ’26

$449,900

3536 SUNGROVE CIRCLE

4 bd · 2.5 ba · 2,261 sqft · $199/sqft · 79 DOM

358 FAIRFIELD DRIVESold · Jan ’26

$395,000

358 FAIRFIELD DRIVE

4 bd · 2.5 ba · 2,215 sqft · $178/sqft · 39 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.

Yumiko Sugawara

Your agent

Yumiko Sugawara

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3412 BLUFF OAK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3412 BLUFF OAK LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3412 BLUFF OAK LANE FAQs

What would the monthly payment be for 3412 BLUFF OAK LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,157/mo — principal and interest, the actual property-tax bill, the $141/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 3412 BLUFF OAK LANE?+

The association fee works out to $141 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3412 BLUFF OAK LANE?+

The most recent tax bill on record (2025) was $6,168. 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 3412 BLUFF OAK LANE?+

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 Sanford?+

At $528,000, this home is listed about 38% above the Sanford median of $382,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3412 BLUFF OAK LANE?+

Goldsboro Elementary Magnet (elementary), Idyllwilde Elementary School (elementary), Bentley Elementary School (elementary), Seminole High School (high), Wilson Elementary School (elementary), Markham Woods Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$528,000 runs 49% above the SANFORD 32771 median — but at 2,280 sqft it's also 30% larger than the typical Sanford listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

112 days on market against a Sanford median of 32 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Goldsboro Elementary Magnet, Idyllwilde Elementary School, Bentley Elementary School, Seminole High School, Wilson Elementary School, Markham Woods Middle School — Goldsboro Elementary Magnet rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $549,500, now $528,000 — a $22K cut. The full history is in the market section below.

Listing courtesy of COPPEROOSTER · Candice Southwick. MLS #O6399596.

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.

Never miss a listing

New Sanford homes, in your inbox

Like 3412 BLUFF OAK LANE but not quite? A daily digest of every new listing in Sanford — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Yumiko to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 7, 2026 at 3:50 AM UTC. The listing information on this page last changed on August 7, 2026 at 3:50 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 7, 2026 at 3:50 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 7, 2026 at 3:50 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.