3928 N CITRUS CIRCLE UNIT 691, ZELLWOOD, FL, 32798
Active10 days on marketListed Sep 10, 2026MLS #O6439821
About this home
3928 N CITRUS CIRCLE UNIT 691
Resort Style Living at it's FINEST! This COMPLETELY RENOVATED 3 bedroom/2 Bath home is the answer to your Next Right Step in Florida's Most Prestigious 55 Plus Golf Community. With NEW 2026 TPO MEMBRANE ROOF w/ 2 layers of Styrofoam insulation, LIFETIME TRANSFERABLE WARRANTY , Easy low-entry Steps, Kitchen and Baths feature 100% real-stone Quartzite Countertops over Brand New Wood Shaker Cabinets/Hardware, 9 foot pantry, New LG SS Appliances, 6 New Ceiling Fans, New 13mm Thick Laminate Flooring throughout trimmed w/ 5 1/4" baseboards, 6 Panel Interior Doors, Re-textured seamless drywall, knockdown ceilings, Convenient inside Laundry Area, Flex 3rd bedroom/Office/Den, 2 sets of Sliding doors onto Newly screened 22.1 x 11.5 back porch on concrete slab with elevated view, separate storage shed, Primary Bedroom features Large-format porcelain tile showerr & 2 closets, gorgeous. In-demand DOUBLE CARPORT, professional landscaped with decorative brick skirting on a solid foundation Manufactured Double Wide Home, wood construction on piers, Aluminum Siding and crawl space. NO LOT RENT! $415.00 HOA covers Highspeed Underground Fiber-Optics Cable for 2 Tv's and Internet, Weekly Lawn Maintenance, Multiple Trash Pickups weekly, 24/7 Manned Security Gate, On-Site Park Management, 4 Pools (one heated salt-water), wood shop, library, community buildings available for your use. Full service Resturant/Bar, 72 Par, 18 hole Championship Golf Course with onsite Golf Pro (reduced rates for Shareholders), pickelball, cornhole, bingo, trivia, live entertainment, card games, crafts, stained glass, ceramics, Community Clubs, Swim Aerobics, Line Dancing for exercise and fun!, Yoga, Stretching, Inside walking, nature trails. IT'S WHERE THE GOOD LIFE BEGINS. A MUST SEE!!! This master crafted home won't last long, Schedule a tour today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.14 ac
Lot size
1988
Year built
One
Levels
$175
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.
$2,234 /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
$2,234/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
+18.7%
$/sqft vs ZELLWOOD STATION COOP MH PARK
$175 vs $132
Days on market
10 vs 84 typical
Where $175/sqft sits among the 17 homes for sale in ZELLWOOD STATION COOP MH PARK
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 Zellwood
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zellwood. See the full Zellwood guide →
ZELLWOOD 32798 — neighborhood snapshot
Population
2,159
Median age
67.1
Median income
$60,337
Median home value
$148,300
Avg household
1.89
Households w/ children
55%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zellwood market
$280K → $157K
Zellwood median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
5 of 17
ZELLWOOD STATION COOP MH PARK have cut their price
Median sold price, Zellwood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the ZELLWOOD 32798 median. See the full Zellwood market guide →
Paper trail
This home's history
Reality check
What actually sold near 3928 N CITRUS CIRCLE UNIT 691
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$117,000
3976 N CITRUS CIRCLE UNIT 685 · same community
2 bd · 2 ba · 1,342 sqft · $87/sqft · 318 DOM
Sold · Aug ’26$210,000
4125 MYRTLE OAK COURT UNIT 1849 · same community
3 bd · 2 ba · 1,380 sqft · $152/sqft · 43 DOM
Sold · Jul ’26$157,000
2827 MYRTLE OAK LANE UNIT R49 · same community
3 bd · 2 ba · 1,416 sqft · $111/sqft · 6 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3928 N CITRUS CIRCLE UNIT 691 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3928 N CITRUS CIRCLE UNIT 691 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3928 N CITRUS CIRCLE UNIT 691 FAQs
What would the monthly payment be for 3928 N CITRUS CIRCLE UNIT 691?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,234/mo — principal and interest, the actual property-tax bill, the $415/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 3928 N CITRUS CIRCLE UNIT 691?+
The association fee works out to $415 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3928 N CITRUS CIRCLE UNIT 691?+
The most recent tax bill on record (2026) was $2,056. 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 3928 N CITRUS CIRCLE UNIT 691?+
The listing reports pets: No. 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 Zellwood?+
At $235,000, this home is listed about 35% above the Zellwood median of $174,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3928 N CITRUS CIRCLE UNIT 691?+
Zellwood Elementary (elementary), Wolf Lake Middle (middle), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Brenda Broadway. MLS #O6439821.
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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