646 CEDAR FOREST CIRCLE, ORLANDO, FL, 32828
Active7 days on marketListed Sep 13, 2026MLS #O6441460
About this home
646 CEDAR FOREST CIRCLE
One Story Home with a Great Layout, Salt Water Pool with Scenic Water and Fountain View. Great school area, Home Features: Solar Heated Pool Large Enough to Swim In, Gorgeous Sunset Views in the Evening, Covered Lanai with Sky Light, High Ceilings, 12 feet living room and 10 feet in family room 2 Large Guest Bedrooms, 18 inch tile, Upgraded ceiling fans, 42 in cabinets in kitchen, Water, Furniture is optional. Near to shopping center and restaurants Waterford Lakes the Community: basketball, tennis, volleyball, and playground. Location: Waterford Lakes is conveniently located to dining, shopping, great schools, airport, UCF, highways 408 and 417 and 528
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,188
Sqft
0.2 ac
Lot size
2
Garage
2002
Year built
One
Levels
$242
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.
$3,915 /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
$3,915/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
−3%
$/sqft vs Orlando actives
$242 vs $242
Days on market
7 vs 42 typical
Where $242/sqft sits among the 400 Orlando 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 Waterford Chase Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Waterford Chase Village — neighborhood snapshot
Population
3,350
Median age
43
Median income
$93,720
Median home value
$394,329
Avg household
3
Households w/ children
370
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
209 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the ORLANDO 32828 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 646 CEDAR FOREST CIRCLE
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$500,000
1457 WILLOW BRANCH DRIVE
4 bd · 2 ba · 2,162 sqft · $231/sqft · 19 DOM
Sold · Mar ’26$565,000
14316 LETHAM GRANGE COURT
4 bd · 3 ba · 2,232 sqft · $253/sqft · 0 DOM
Sold · Mar ’26$510,000
13678 WATERHOUSE WAY
4 bd · 2.5 ba · 2,233 sqft · $228/sqft · 125 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 646 CEDAR FOREST CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 646 CEDAR FOREST CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
646 CEDAR FOREST CIRCLE FAQs
What would the monthly payment be for 646 CEDAR FOREST CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,915/mo — principal and interest, the actual property-tax bill, the $29/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 646 CEDAR FOREST CIRCLE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 646 CEDAR FOREST CIRCLE?+
The most recent tax bill on record (2025) was $4,538. 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 646 CEDAR FOREST CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 Orlando?+
At $529,000, this home is listed about 37% above the Orlando median of $385,250. The market section on this page shows how the area is trending.
Which schools are assigned to 646 CEDAR FOREST CIRCLE?+
Camelot Elementary (elementary), Discovery Middle (middle), Timber Creek High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$529,000 runs 29% above the ORLANDO 32828 median — but at 2,188 sqft it's also 38% larger than the typical Orlando listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 7 days on market in a Orlando market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Camelot Elementary, Discovery Middle, Timber Creek High — Camelot Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of U S GLORY REALTY · He Gao. MLS #O6441460.
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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