1097 COVINGTON STREET, OVIEDO, FL, 32765
Active39 days on marketListed Sep 2, 2026MLS #O6438593
About this home
1097 COVINGTON STREET
Welcome to this magnificently renovated 3 bedroom, 2 bathroom single-story residence in highly desirable Oviedo! Step inside to a sun-filled open interior that has been completely transformed with modern wall-to-wall luxury vinyl plank flooring, fresh interior paint, and stylish light fixtures throughout. The heart of the home is the brand-new kitchen boasting sleek New Shaker Cabinets, New Quartz Countertops, a spacious breakfast bar, and New Stainless Steel Appliances! Relax in the primary suite featuring private access through a New Sliding Glass Door and an extraordinary ensuite bath with New Shaker Vanities, New Quartz Countertops, dual sinks, a reglazed soaking tub, and a separate tiled shower. Enjoy ultimate peace of mind thanks to major upgrades: a Brand-New Architectural Shingle Roof (2026), Brand-New HVAC System (2026), Brand-New Water Heater (2026), and Brand-New Concrete Driveway (2026)! Complete with a 2-car garage with painted floors, updated landscaping, and a quiet enclosed patio, this turn-key property offers modern luxury One or more photos in this listing have been virtually staged.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,356
Sqft
0.14 ac
Lot size
2
Garage
1986
Year built
One
Levels
$273
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.
$2,971 /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
$2,971/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
+2%
$/sqft vs Oviedo actives
$273 vs $242
Days on market
39 vs 63 typical
Where $273/sqft sits among the 191 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 Alafaya Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
Alafaya Woods — neighborhood snapshot
Population
5,032
Median age
36
Median income
$102,850
Median home value
$337,665
Avg household
3
Households w/ children
614
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)
125 of 191
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1097 COVINGTON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$372,000
1069 COVINGTON STREET · same community
3 bd · 2 ba · 1,360 sqft · $274/sqft · 108 DOM
Sold · Jul ’26$382,000
1080 COVINGTON STREET · same community
3 bd · 2 ba · 1,293 sqft · $295/sqft · 2 DOM
Sold · Oct ’26$395,000
1119 COVINGTON STREET · same community
3 bd · 2 ba · 1,232 sqft · $321/sqft · 82 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1097 COVINGTON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1097 COVINGTON STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1097 COVINGTON STREET FAQs
What would the monthly payment be for 1097 COVINGTON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,971/mo — principal and interest, the actual property-tax bill, the $19/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 1097 COVINGTON STREET?+
The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1097 COVINGTON STREET?+
The most recent tax bill on record (2025) was $5,415. 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 1097 COVINGTON STREET?+
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 $369,900, this home is listed about 24% below the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 1097 COVINGTON STREET?+
Evans Elementary School (elementary), Hagerty High School (high), Jackson Heights Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the OVIEDO 32765 market on paper
$369,900 is 14% below the OVIEDO 32765 median of $430,000.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Evans Elementary School, Hagerty High School, Jackson Heights Middle School — Evans Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $374,900, now $369,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENTERA REALTY LLC · Robert Salmons. MLS #O6438593.
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 Oviedo homes, in your inbox
Like 1097 COVINGTON STREET but not quite? A daily digest of every new listing in Oviedo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anthony to ping you on any price or status change →