CENTURY 21 Edge
$879,000$899,9004 bd3 ba3,188 sqft$276 /sqft≈$5,852 /mo all-in ↓

2324 FOLIAGE OAK TERRACE, OVIEDO, FL, 32766

Active26 days on marketListed Sep 16, 2026MLS #O6442082

✦ Reduced $21KPrivate poolSingle Family ResidenceLIVE OAK RESERVE UNIT TWO FIRST AMD

About this home

2324 FOLIAGE OAK TERRACE

Welcome to 2324 Foliage Oak Terrace, a beautifully appointed pool home offering privacy, space and exceptional Florida living in highly sought-after Live Oak Reserve. Set against a peaceful conservation backdrop, this 3,188-square-foot residence offers 4 bedrooms, 3 full baths, a dedicated office/flex space, upstairs bonus room and 3-car garage, all complemented by a private backyard setting with wooded views. Custom wood entry doors, stone-accented columns, exterior lighting, and mature landscaping create an impressive first impression. Inside, wood flooring extends throughout the main living areas and primary bedroom, while architectural details and a spacious, functional floor plan create a warm and inviting atmosphere. The upgraded kitchen is designed for both everyday living and entertaining, featuring beautiful high end cabinetry, stone countertops, decorative backsplash, stainless appliances and gas cooking, opening naturally to the home's main gathering spaces. The living area is anchored by a custom gas fireplace with travertine surround and recessed built-in television above (television stays), creating an impressive focal point. The spacious primary retreat enjoys views of both the private pool and conservation area, bringing the home's peaceful setting indoors. The suite features wood flooring, generous closet space with built-in organization and a spacious primary bath. Step outside to your own private Florida retreat. The open-air pool and spa feature a saltwater system and pavered entertaining area surrounded by mature landscaping and a beautiful conservation backdrop. With no screen enclosure separating the outdoor living space from the wooded view, the backyard offers an open, resort-style atmosphere and exceptional privacy. An outdoor kitchen makes the space ideal for entertaining and enjoying Florida living year-round. The triple-split bedroom design provides privacy for family and guests, including convenient access to a pool bath. Upstairs, the large bonus room offers flexible space for a media room, game room, second living area or guest retreat. Live Oak Reserve offers an outstanding collection of community amenities, including a clubhouse, fitness center, community pool, playgrounds, tennis and pickleball courts, basketball courts, parks and athletic/recreation facilities. Private conservation setting, pool and spa, 3-car garage, flexible floor plan and numerous custom upgrades—all in one of Oviedo's most desirable communities.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,188

Sqft

0.32 ac

Lot size

3

Garage

2003

Year built

Two

Levels

$276

Per sqft

Private poolFireplacePool & Trees/Woods view

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Touchless Faucet · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Split Bedroom · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesNorthwest
ParkingGarage Faces Rear · Garage Faces Side
ExteriorOutdoor Grill · Outdoor Kitchen · Rain Gutters

Community & fees

HOA fee$98/mo
Taxes (2025)$6,254/yr
PetsBreed Restrictions
CommunityClubhouse · Deed Restrictions · Fitness Center · Park · Playground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Fiber Optics · Sprinkler Meter · Street Lights
WaterPublic

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.

$5,852 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,743
PMI (est., until 20% equity)$330
Property tax — 2025 actual bill$521
HOA fee — from the listing$98
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $87,900
Interest rate6.00%
Loan term

Estimated payment

$5,852/mo

Principal & interest$4,743
PMI (est., until 20% equity)$330
Property taxes (actual bill)$521
HOA / condo fee$98
Est. insurance$160

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.

List $879K
$669KedgeAI estimate $741,111 · range $697K–$815K$914K

vs edgeAI estimate

+18.6%

$/sqft vs Oviedo actives

$276 vs $243

Days on market

26 vs 60 typical

Where $276/sqft sits among the 187 Oviedo actives

43
48
35
32 · this home
15
14
$190–214$214–239$239–264$264–289$289–314$314+

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

Downtown Orlando≈ 35 min
Orlando Int’l Airport (MCO)≈ 44 min
Universal Orlando≈ 48 min
Walt Disney World≈ 60 min

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

ElementaryPartin Elementary School★★★★★
MiddleChiles Middle School★★★★★
HighHagerty High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Oviedo market

Seller’s marketSeller’s market — 2.6 months of inventoryBuyer’s market

$530K → $540K

Oviedo median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

123 of 187

Oviedo actives have cut their price

Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 40% above the OVIEDO 32766 median. See the full Oviedo market guide →

Paper trail

This home's history

CurrentPrice reduced to $879,000 ▼ $21K
Sep 16, 2026Listed at $899,900 · 26 days on market since
2003Built · LIVE OAK RESERVE UNIT TWO FIRST AMD

Reality check

What actually sold near 2324 FOLIAGE OAK TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2623 HAZEL GROVE LANESold · Jul ’26

$770,000

2623 HAZEL GROVE LANE

5 bd · 3 ba · 3,127 sqft · $246/sqft · 3 DOM

2381 BROKEN ELM PLACESold · Apr ’26

$775,000

2381 BROKEN ELM PLACE

4 bd · 3 ba · 3,253 sqft · $238/sqft · 10 DOM

2380 FOLIAGE OAK TERRACESold · Apr ’26

$856,000

2380 FOLIAGE OAK TERRACE

4 bd · 3.5 ba · 3,083 sqft · $278/sqft · 3 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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2324 FOLIAGE OAK TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2324 FOLIAGE OAK TERRACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2324 FOLIAGE OAK TERRACE FAQs

What would the monthly payment be for 2324 FOLIAGE OAK TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,852/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 2324 FOLIAGE OAK 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 2324 FOLIAGE OAK TERRACE?+

The most recent tax bill on record (2025) was $6,254. 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 2324 FOLIAGE OAK TERRACE?+

The listing reports pets: Breed Restrictions. 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 $879,000, this home is listed about 83% above the Oviedo median of $479,999. The market section on this page shows how the area is trending.

Which schools are assigned to 2324 FOLIAGE OAK 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

Four things that matter here

01Positioned at the premium end

$879,000 runs 40% above the OVIEDO 32766 median — but at 3,188 sqft it's also 68% larger than the typical Oviedo listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Partin Elementary School, Chiles Middle School, Hagerty High School — Partin Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $899,900, now $879,000 — a $21K cut. The full history is in the market section below.

Listing courtesy of LPT REALTY, LLC · Jason Owens. MLS #O6442082.

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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