9038 VICKROY TERRACE, OVIEDO, FL, 32765
Active22 days on marketListed Aug 29, 2026MLS #O6436448
About this home
9038 VICKROY TERRACE
Welcome home to this spacious and well-maintained 4-bedroom, 2.5-bath Ryland home offering 2,329 square feet of heated living space and a thoughtfully designed two-story floor plan with the highly desirable primary suite located on the first floor. Step inside to find a comfortable and functional layout with plenty of room for everyday living and entertaining. The kitchen features 42-inch cabinetry, granite countertops, stainless steel appliances, ceramic tile flooring, and decorative molding, offering plenty of cabinet and counter space. The Whirlpool Gold refrigerator is included with the home. The first-floor primary suite provides a private retreat and features a tray ceiling and his-and-hers closets. The spacious primary bathroom includes a garden tub and separate walk-in shower. Upstairs, you’ll find three additional bedrooms, creating plenty of flexibility for additional bedrooms, guest accommodations, a home office, hobby room, or playroom. Additional interior features include ceiling fans in all bedrooms, ceramic tile flooring, and surround sound throughout the home and extending onto the porch, making it easy to enjoy music whether you’re relaxing indoors or spending time outside. Major updates provide additional peace of mind, including an approximately 3-year-old roof and a 2023 A/C system. The home's exterior was also painted within approximately the last 1–2 years. Outside, enjoy a partially fenced yard with vinyl fencing, along with an irrigation system serving both the front and backyard. The home also features a 2-car garage and outdoor porch area, providing additional space to relax and enjoy the Florida lifestyle. Residents can also enjoy the neighborhood's amenities, including a community swimming pool, clubhouse, and playground. Built in 2007, this home combines a desirable first-floor primary suite, three additional bedrooms upstairs, generous living space, an updated roof and A/C, granite countertops, stainless steel appliances, outdoor living space, and community amenities. With so much to offer, this home is ready for its next owner. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,329
Sqft
0.23 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$236
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.
$3,979 /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
$3,979/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.
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.
vs edgeAI estimate
+6.8%
$/sqft vs Oviedo actives
$236 vs $250
Days on market
22 vs 39 typical
Where $236/sqft sits among the 190 Oviedo actives
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 Oviedo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
OVIEDO 32765 — neighborhood snapshot
Population
63,646
Median age
35.5
Median income
$99,161
Median home value
$418,600
Avg household
2.82
Households w/ children
8,093
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oviedo market
$530K → $540K
Oviedo median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
111 of 190
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 9038 VICKROY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$545,000
5707 DEEP LAKE ROAD · same community
4 bd · 2.5 ba · 2,322 sqft · $235/sqft · 6 DOM
Sold · Mar ’26$560,000
8815 ATWATER LOOP · same community
4 bd · 2.5 ba · 2,242 sqft · $250/sqft · 107 DOM
Sold · Jul ’26$640,000
5693 DALEY WAY · same community
5 bd · 3 ba · 2,787 sqft · $230/sqft · 63 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9038 VICKROY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9038 VICKROY TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9038 VICKROY TERRACE FAQs
What would the monthly payment be for 9038 VICKROY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,979/mo — principal and interest, the actual property-tax bill, the $84/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 9038 VICKROY TERRACE?+
The association fee works out to $84 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9038 VICKROY TERRACE?+
The most recent tax bill on record (2025) was $3,048. 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 9038 VICKROY TERRACE?+
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 Oviedo?+
At $550,000, this home is listed about 8% above the Oviedo median of $509,990. The market section on this page shows how the area is trending.
Which schools are assigned to 9038 VICKROY TERRACE?+
Jackson Heights Middle School (middle), Lawton Elementary School (elementary), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX TOWN & COUNTRY REALTY · Kelly Shilson. MLS #O6436448.
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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