CENTURY 21 Edge
$624,9005 bd4 ba3,207 sqft$195 /sqft$4,466 /mo all-in ↓

3038 COSTA CLUB DRIVE, OCOEE, FL, 34761

Active5 days on marketListed Sep 15, 2026MLS #O6437964

Single Family ResidenceWESTYN BAY PH 03 A-1 A-2 J-1

About this home

3038 COSTA CLUB DRIVE

**Distinctive Single-Story Living on an Oversized .33-Acre Lot in Amenity-Rich Westyn Bay** Welcome to a home that stands apart. Offering 3,207 square feet of impeccable designed living space on an oversized .33 acre lot. With a floor plan that flows effortlessly from room to room, this is a home made for gathering: holiday mornings around the tree, family dinners that stretch late into the evening, and everyday moments that turn into cherished memories. This beautifully updated 5-bedroom residence combines soaring 12-foot ceilings, a distinctive floor plan, custom finishes, and exceptional privacy within the sought-after, 24-hour guard-gated neighborhood of Westyn Bay. Step through the welcoming foyer and immediately experience the sense of volume created by those impressive ceilings and an expansive interior designed for both everyday comfort and effortless entertaining. Custom mosaic tile design adds character, while the updated kitchen and thoughtfully curated gathering spaces create a seamless flow from room to room. The primary suite serves as a true sanctuary, featuring a his and hers walk-in closet and a spa-inspired bath complete with a soaking garden tub, separate walk-in shower, and custom tilework. A second primary-style suite offers exceptional flexibility for multigenerational living, an in-law setup, or extended-stay guests. Outside, the oversized homesite provides rare breathing room and enhanced privacy, with rear neighbors largely screened from view. A custom-designed patio extends your living space into the open air, creating an inviting setting for weekend gatherings, morning coffee, or quiet evenings under the stars. Peace of mind meets move-in readiness with significant updates already completed, including a newer roof(2021), main HVAC system(2024), water heater(2022), and a spacious 3-car garage. Life in Westyn Bay extends well beyond your front door. You'll love pulling out the bikes for a family ride along the community path or straight to the West Orange Trail, right from your own front door. Enjoy a 24-hour manned guard gate and being a few steps away from the resort-style pool, clubhouse, tennis, pickleball, and basketball courts, sports fields, playgrounds, walking trails, and a picturesque gazebo overlooking Lake Apopka—plus easy access to the West Orange Trail and SR 429. More space. More privacy. More flexibility. Welcome home to Westyn Bay. **The Seller is offering a concession of up to $7,500 toward the Buyer’s allowable closing costs, prepaid expenses, and other costs permitted by the terms of the applicable loan program, subject to the terms of the purchase contract and lender approval. Additionally, qualified Buyers who obtain financing through the preferred lender may be eligible for an additional lender credit of up to 1%, subject to lender approval, applicable loan-program guidelines, eligibility requirements, and the lender’s terms and conditions.**

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,207

Sqft

0.33 ac

Lot size

3

Garage

2007

Year built

Two

Levels

$195

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Range Hood
InteriorCeiling Fan(s) · Split Bedroom
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesEast
ExteriorLighting · Sliding Doors

Community & fees

HOA fee$208/mo
Taxes (2026)$5,904/yr
PetsBreed Restrictions, Yes
CommunityDock · Deed Restrictions · Gated Community - Guard · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available
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.

$4,466 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,372
PMI (est., until 20% equity)$234
Property tax — 2026 actual bill$492
HOA fee — from the listing$208
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $62,490
Interest rate6.00%
Loan term

Estimated payment

$4,466/mo

Principal & interest$3,372
PMI (est., until 20% equity)$234
Property taxes (actual bill)$492
HOA / condo fee$208
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $625K
$567KedgeAI estimate $654,376 · range $591K$813K$845K

vs edgeAI estimate

−4.5%

$/sqft vs Ocoee actives

$195 vs $224

Days on market

5 vs 36 typical

Where $195/sqft sits among the 129 Ocoee actives

28 · this home
47
26
15
5
8
$169–202$202–234$234–266$266–298$298–331$331+

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 Westyn Bay

Drive times from this address

Downtown Orlando23 min
Universal Orlando26 min
Walt Disney World32 min
Orlando Int’l Airport (MCO)38 min

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

Get to know Ocoee. See the full Ocoee guide →

Westyn Bay — neighborhood snapshot

Population

2,605

Median age

40

Median income

$172,429

Median home value

$461,472

Avg household

3

Households w/ children

392

For the school run

Orange County School District

HighOcoee High★★★★★
ElementaryPrairie Lake Elementary★★★★★
MiddleLakeview Middle★★★★★

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

The numbers that matter

The Ocoee market

Seller’s marketSeller’s market2.7 months of inventoryBuyer’s market

$455K$435K

Ocoee median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

79 of 129

Ocoee actives have cut their price

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

This home is listed 49% above the OCOEE 34761 median. See the full Ocoee market guide →

Paper trail

This home's history

Sep 15, 2026Listed at $624,900 · 5 days on market since
2007Built · WESTYN BAY PH 03 A-1 A-2 J-1

Reality check

What actually sold near 3038 COSTA CLUB DRIVE

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

3302 STONEGATE DRIVESold · Feb ’26

$620,000

3302 STONEGATE DRIVE

5 bd · 4 ba · 3,202 sqft · $194/sqft · 82 DOM

2024 CRESSWELL STREETSold · Apr ’26

$620,000

2024 CRESSWELL STREET

5 bd · 4 ba · 3,202 sqft · $194/sqft · 14 DOM

1873 DONAHUE DRSold · Feb ’26

$610,000

1873 DONAHUE DR

5 bd · 4 ba · 3,202 sqft · $191/sqft · 143 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.

Erwin Vazquez

Your agent

Erwin Vazquez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3038 COSTA CLUB DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3038 COSTA CLUB DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3038 COSTA CLUB DRIVE FAQs

What would the monthly payment be for 3038 COSTA CLUB DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,466/mo — principal and interest, the actual property-tax bill, the $208/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 3038 COSTA CLUB DRIVE?+

The association fee works out to $208 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3038 COSTA CLUB DRIVE?+

The most recent tax bill on record (2026) was $5,904. 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 3038 COSTA CLUB DRIVE?+

The listing reports pets: Breed Restrictions, 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 Ocoee?+

At $624,900, this home is listed about 42% above the Ocoee median of $439,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3038 COSTA CLUB DRIVE?+

Ocoee High (high), Prairie Lake Elementary (elementary), Lakeview Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of COLDWELL BANKER REALTY · Vincent Paige, PA. MLS #O6437964.

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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