3551 WADING HERON TERRACE, OVIEDO, FL, 32766
Active32 days on marketListed Sep 10, 2026MLS #O6440208
About this home
3551 WADING HERON TERRACE
Welcome home to this meticulously maintained home nestled in the sought-after Live Oak Reserve community of Oviedo. Beautifully situated on a professionally landscaped lot, this home offers the rare combination of privacy and tranquil views. You will love the private location with no rear neighbors and a gorgeous wooded backdrop. A pavered driveway provides an inviting entrance, leading to a two-car garage plus a separate one-car garage, each with its own entrance—offering exceptional flexibility for vehicles, storage, hobbies, or a private workspace. Inside, the volume ceilings invite you into an open floor-plan that flows seamlessly into spacious living areas designed for both everyday comfort and entertaining. The chef's kitchen features elegant stone countertops and stainless appliances. The split-bedroom floor plan provides added privacy, while the oversized bedrooms offer generous closet space. A versatile flex/bonus room provides endless possibilities for a home office, media room, gym, playroom or use it as a Florida room and enjoy the view. A new roof was installed in 2020. Enjoy an exceptional lifestyle with Live Oak Reserve’s resort-style amenities, including a community pool, splash pad and water slides, clubhouse, tennis and basketball courts, playgrounds, and sports fields. Ideally located within the highly regarded Seminole County School District, rated A+ for 2025–2026, and close to shopping, dining, parks, and major roadways. This home truly has it all—privacy, space, flexibility, and an exceptional community lifestyle. Welcome home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,797
Sqft
0.19 ac
Lot size
3
Garage
2001
Year built
One
Levels
$227
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.
$4,283 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,283/mo
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.
vs edgeAI estimate
+2.7%
$/sqft vs Oviedo actives
$227 vs $243
Days on market
32 vs 60 typical
Where $227/sqft sits among the 186 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 Live Oak Reserve
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
Live Oak Reserve — neighborhood snapshot
Population
4,347
Median age
34
Median income
$152,395
Median home value
$562,145
Avg household
3
Households w/ children
652
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)
122 of 186
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the OVIEDO 32766 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3551 WADING HERON TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$675,000
3504 WADING HERON TERRACE · same community
4 bd · 2 ba · 2,367 sqft · $285/sqft · -2 DOM
Sold · May ’26$594,000
1663 COPPERLEAF COVE · same community
4 bd · 2 ba · 2,206 sqft · $269/sqft · 1 DOM
Sold · Dec ’25$585,000
3504 SILVER THORN COURT · same community
4 bd · 2 ba · 2,115 sqft · $277/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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3551 WADING HERON TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3551 WADING HERON TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3551 WADING HERON TERRACE FAQs
What would the monthly payment be for 3551 WADING HERON TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,283/mo — principal and interest, the actual property-tax bill, the $98/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 3551 WADING HERON TERRACE?+
The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3551 WADING HERON TERRACE?+
The most recent tax bill on record (2025) was $4,321. 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 3551 WADING HERON 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 $635,000, this home is listed about 32% above the Oviedo median of $479,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3551 WADING HERON TERRACE?+
Partin Elementary School (elementary), Chiles Middle School (middle), Hagerty High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Strong assigned schools
Partin Elementary School, Chiles Middle School, Hagerty High School — Partin Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $650,000, now $635,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SHORESTONE PROPERTY GROUP · Tania Crandall. MLS #O6440208.
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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