640 LANCE COURT, OVIEDO, FL, 32765
Active22 days on marketListed Sep 19, 2026MLS #O6441429
About this home
640 LANCE COURT
Welcome to 640 Lance Court in Oviedo! Located in a highly sought-after area, this four-bedroom, two-bath home sits on a quiet cul-de-sac and offers a functional layout, abundant natural light, and a fully fenced backyard with a covered, screened-in patio—perfect for relaxing or entertaining. Kingsbridge is an established, tree-lined streets subdivision. Inside, the welcoming entry opens to a formal living and dining area that can easily serve as a flexible space for a home office, playroom, or additional living area. The kitchen overlooks the dinette and family room, creating an open-concept gathering space ideal for everyday living and entertaining. The kitchen features stainless steel appliances, a center island, and plenty of natural light.The spacious primary suite offers a private retreat with an en-suite bath featuring dual sinks, a separate tub and shower, and a walk-in closet. Bedrooms two and three are located down a separate hallway, offering privacy for family or guests. The fourth bedroom is currently being used as an office and features double doors from the primary suite. The room can easily be returned to a traditional bedroom configuration as it also has a separate doorway from the hallway shared with bedrooms two and three, providing flexibility to suit your needs. The second full bath is conveniently located off this hallway and is easily accessible to both the secondary bedrooms and guests. Outside, the fully fenced backyard and screened-in covered patio provide an inviting extension of the living space and plenty of room to enjoy Florida's beautiful weather. The location is hard to beat, with convenient access to 417 and a quick commute to the University of Central Florida, Siemens, Lockheed Martin, restaurants, shopping, and Oviedo on the Park. The community features a tennis court, a playground, as well as a dock where residents can fish! Zoned for highly regarded schools and close to the amenities that make Oviedo so desirable, 640 Lance Court offers the space, flexibility, and location you've been looking for. (Roof 2017, HVAC 2018, HWH 2026)
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,922
Sqft
0.18 ac
Lot size
2
Garage
1996
Year built
One
Levels
$252
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.
$3,532 /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
$3,532/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
+10.2%
$/sqft vs Oviedo actives
$252 vs $243
Days on market
22 vs 63 typical
Where $252/sqft sits among the 190 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 Kingsbridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
Kingsbridge — neighborhood snapshot
Population
4,608
Median age
35
Median income
$90,368
Median home value
$399,078
Avg household
3
Households w/ children
610
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)
127 of 190
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 LANCE COURT
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$385,000
1006 N MAGEE CREEK COURT
4 bd · 2.5 ba · 2,058 sqft · $187/sqft · 27 DOM
Sold · Mar ’26$425,000
382 MOFFAT LOOP
4 bd · 2.5 ba · 1,756 sqft · $242/sqft · 8 DOM
Sold · Apr ’26$425,000
1011 FAIRCLOTH COURT
3 bd · 2 ba · 1,753 sqft · $242/sqft · 20 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 640 LANCE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 LANCE COURT — 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
640 LANCE COURT FAQs
What would the monthly payment be for 640 LANCE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,532/mo — principal and interest, the actual property-tax bill, the $60/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 640 LANCE COURT?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 640 LANCE COURT?+
The most recent tax bill on record (2025) was $2,903. 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 640 LANCE COURT?+
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 $485,000, this home is priced right at the Oviedo median.
Which schools are assigned to 640 LANCE COURT?+
Jackson Heights Middle School (middle), Stenstrom Elementary School (elementary), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Dana Laing. MLS #O6441429.
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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