522 S OSCEOLA AVENUE, ORLANDO, FL, 32801
Active54 days on marketListed Aug 27, 2026MLS #O6436521
About this home
522 S OSCEOLA AVENUE
Located in Orlando’s Lake Cherokee Historic District, this historic duplex offers two distinct residences in one of downtown Orlando’s most established neighborhoods. Original wood floors, fireplaces, abundant windows and generously sized rooms preserve the property’s character, while each residence features its own kitchen and comfortable living spaces. A large backyard provides additional outdoor space and privacy. The property was converted from a rooming house into a duplex in the mid-1980s through a comprehensive gut renovation that included new plumbing and electrical systems. More recent improvements include a roof replaced approximately eight years ago and air-conditioning systems replaced within the past five years. Conveniently located near downtown Orlando’s dining, entertainment, parks and cultural destinations, this property presents a distinctive opportunity for an owner-occupant, multigenerational living or investment use
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,391
Sqft
0.2 ac
Lot size
1920
Year built
Two
Levels
$178
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 — not generic estimates.
$3,590 /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
$3,590/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
−29.1%
$/sqft vs Orlando actives
$178 vs $238
Days on market
54 vs 61 typical
Where $178/sqft sits among the 400 Orlando 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 Lake Cherokee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Lake Cherokee — neighborhood snapshot
Population
1,164
Median age
62
Median income
$31,044
Median home value
$443,076
Avg household
1
Households w/ children
16%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
211 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 113% above the ORLANDO 32801 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 522 S OSCEOLA AVENUE
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$660,000
421 E KALEY STREET
4 bd · 4 ba · 2,393 sqft · $276/sqft · 21 DOM
Sold · Nov ’25$617,500
2325 E HARDING STREET
3 bd · 3 ba · 2,261 sqft · $273/sqft · 106 DOM
Sold · Sep ’26$765,000
2327 S SHINE AVENUE
4 bd · 2.5 ba · 2,526 sqft · $303/sqft · 2 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 522 S OSCEOLA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 522 S OSCEOLA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
522 S OSCEOLA AVENUE FAQs
What would the monthly payment be for 522 S OSCEOLA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,590/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 522 S OSCEOLA AVENUE?+
The most recent tax bill on record (2025) was $8,879. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Orlando?+
At $425,000, this home is listed about 12% above the Orlando median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 522 S OSCEOLA AVENUE?+
William R Boone High (high), Blankner K-8 (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$425,000 runs 113% above the ORLANDO 32801 median — but at 2,391 sqft it's also 53% larger than the typical Orlando listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
William R Boone High, Blankner K-8 — Blankner K-8 rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $499,900, now $425,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN PREMIER REALTY · Jennifer King. MLS #O6436521.
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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