3181 RIVERBOAT WAY, OVIEDO, FL, 32765
Active3 days on marketListed Sep 17, 2026MLS #O6442618
About this home
3181 RIVERBOAT WAY
This beautiful two-story townhome, built in 2023, is located in the gated community of Town at Tuskawilla Commons. It offers three bedrooms and two and a half bathrooms, along with a modern open-concept layout designed for both comfort and style. The kitchen features upgraded 42-inch cabinets, quartz countertops, stainless steel appliances, and a spacious island with pendant lighting and additional storage. Wood-look tile flooring extends throughout the first floor and all bathrooms, adding durability and elegance. Upstairs, the spacious master suite includes a walk-in closet, dual-sink vanity, a relaxing bathtub, and a separate shower. The laundry closet is conveniently located on the same floor as all bedrooms. Residents enjoy community amenities including a park with pavilion, bike racks, and a pedestrian gate with direct access to the Cross Seminole Trail. The location is ideal—close to shopping, restaurants, and major highways.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,666
Sqft
0.04 ac
Lot size
1
Garage
2023
Year built
Two
Levels
$233
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.
$3,315 /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
$3,315/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
+1.1%
$/sqft vs Oviedo actives
$233 vs $250
Days on market
3 vs 39 typical
Where $233/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 Oviedo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
OVIEDO 32765 — neighborhood snapshot
Population
63,646
Median age
35.5
Median income
$99,161
Median home value
$418,600
Avg household
2.82
Households w/ children
8,093
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)
110 of 189
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3181 RIVERBOAT WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$360,000
3137 RIVERBOAT WAY · same community
3 bd · 2.5 ba · 1,647 sqft · $219/sqft · 39 DOM
Sold · Aug ’26$346,000
3031 PILOT HOUSE PLACE · same community
3 bd · 2.5 ba · 1,379 sqft · $251/sqft · 49 DOM
Sold · Jan ’26$460,000
8877 BUTTERNUT BOULEVARD
3 bd · 2 ba · 1,676 sqft · $274/sqft · 6 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 3181 RIVERBOAT WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3181 RIVERBOAT WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3181 RIVERBOAT WAY FAQs
What would the monthly payment be for 3181 RIVERBOAT WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,315/mo — principal and interest, the actual property-tax bill, the $268/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 3181 RIVERBOAT WAY?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3181 RIVERBOAT WAY?+
The most recent tax bill on record (2025) was $5,179. 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 3181 RIVERBOAT WAY?+
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 Oviedo?+
At $388,000, this home is listed about 24% below the Oviedo median of $509,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3181 RIVERBOAT WAY?+
Jackson Heights Middle School (middle), Lawton Elementary School (elementary), Oviedo 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
01Under the OVIEDO 32765 market on paper
$388,000 is 15% below the OVIEDO 32765 median of $455,490, and at $233/sqft it sits under the Oviedo average of $264.
02Fresh on the market
Only 3 days on market in a Oviedo market that averages 39 — if it fits, move quickly.
03Strong assigned schools
Jackson Heights Middle School, Lawton Elementary School, Oviedo High School — Jackson Heights Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MEIDI REALTY LLC · Christina Wu. MLS #O6442618.
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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