528 ROYAL TREE LANE, OVIEDO, FL, 32765
Active25 days on marketListed Sep 16, 2026MLS #O6441971
About this home
528 ROYAL TREE LANE
Don’t miss this updated 3-bedroom, 2-bathroom home nestled in the heart of Oviedo! Conveniently located near the shops and restaurants of Oviedo on the Park and just minutes from UCF, this home also offers easy access to SR 417, putting Central Florida’s beaches, attractions, and major employment centers within reach. Situated in the highly desirable Kingsbridge East neighborhood, this home is zoned for top-rated Seminole County schools. Inside, you'll find a freshly painted interior and exterior, wood-look tile flooring throughout, an updated kitchen featuring quartz countertops, a stylish backsplash, and stainless steel appliances, as well as a fully renovated primary bathroom with a walk-in shower and soaking tub. Additional recent upgrades include a 2025 HVAC system and a smart garage door opener with myQ Wi-Fi capability. The roof was replaced in 2017, providing added peace of mind for years to come. With its modern updates, excellent location, and move-in-ready condition, this home offers the perfect blend of comfort, convenience, and value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,532
Sqft
0.12 ac
Lot size
2
Garage
1998
Year built
One
Levels
$281
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.
$3,177 /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
$3,177/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
−7.3%
$/sqft vs Oviedo actives
$281 vs $242
Days on market
25 vs 63 typical
Where $281/sqft sits among the 189 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)
124 of 189
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 528 ROYAL TREE LANE
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$405,000
1027 HORNBEAM STREET
3 bd · 2 ba · 1,529 sqft · $265/sqft · 15 DOM
Sold · Jul ’26$380,000
1018 POND APPLE COURT
3 bd · 2 ba · 1,529 sqft · $249/sqft · 130 DOM
Sold · Sep ’26$392,000
1047 HORNBEAM STREET
3 bd · 2 ba · 1,529 sqft · $256/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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 528 ROYAL TREE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 528 ROYAL TREE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
528 ROYAL TREE LANE FAQs
What would the monthly payment be for 528 ROYAL TREE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,177/mo — principal and interest, the actual property-tax bill, the $38/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 528 ROYAL TREE LANE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 528 ROYAL TREE LANE?+
The most recent tax bill on record (2025) was $3,099. 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 528 ROYAL TREE LANE?+
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 $429,900, this home is listed about 12% below the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 528 ROYAL TREE LANE?+
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 METHOD FLORIDA, LLC · Austin Boggs. MLS #O6441971.
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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