2109 WEMBLEY PLACE, OVIEDO, FL, 32765
Active9 days on marketListed Oct 1, 2026MLS #O6443657
About this home
2109 WEMBLEY PLACE
Virtually Staged. Pond views take center stage at this gated Chapman Lakes residence in Oviedo, with nearly 3,900 square feet of living space and an exceptional setting for indoor and outdoor living. A private saltwater pool and heated spa, expansive screened outdoor living area, upper balcony and outdoor kitchen all overlook the water. Inside, soaring ceilings and a dramatic double staircase create a memorable first impression. French doors, crown molding, formal living and dining rooms, and generous casual spaces provide room to gather. The kitchen features granite countertops, a large island, extensive cabinetry, stainless steel appliances, gas cooking and a wine refrigerator. A private office, loft and approximately 588-square-foot bonus room provide flexibility for work, hobbies or entertaining. The primary suite features a striking bath with a freestanding soaking tub and oversized tiled shower. Fresh interior and exterior paint and refreshed landscaping enhance the home’s presentation, while a tile roof and three-car garage complete the property. A recent pre-listing appraisal, full home inspection report and satisfactory four-point inspection report are available for review, providing valuable information to help buyers move forward with confidence. Chapman Lakes brings a sense of classic neighborhood connection to modern living. A community playground and neighborhood events throughout the year, including seasonal and holiday gatherings, create opportunities to connect and enjoy the community beyond your doorstep. Convenient to UCF, Research Park, SR 417, shopping and dining, this Chapman Lakes home combines gated privacy, substantial living space, neighborhood charm and a beautiful waterfront setting.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,886
Sqft
0.31 ac
Lot size
3
Garage
1997
Year built
Two
Levels
$239
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.
$6,224 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,224/mo
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.
vs edgeAI estimate
+22%
$/sqft vs Oviedo actives
$239 vs $243
Days on market
9 vs 63 typical
Where $239/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)
125 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 116% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 2109 WEMBLEY PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$819,000
2691 ALOMA OAKS DRIVE
5 bd · 4 ba · 3,920 sqft · $209/sqft · 8 DOM
Sold · Aug ’26$710,000
1344 TALL MAPLE LOOP
4 bd · 3 ba · 3,652 sqft · $194/sqft · 22 DOM
Sold · May ’26$720,000
5608 BEAR STONE RUN
5 bd · 4 ba · 3,254 sqft · $221/sqft · 21 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2109 WEMBLEY PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2109 WEMBLEY PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2109 WEMBLEY PLACE FAQs
What would the monthly payment be for 2109 WEMBLEY PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,224/mo — principal and interest, the actual property-tax bill, the $173/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 2109 WEMBLEY PLACE?+
The association fee works out to $173 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2109 WEMBLEY PLACE?+
The most recent tax bill on record (2025) was $6,292. 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 2109 WEMBLEY PLACE?+
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 $929,999, this home is listed about 91% above the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 2109 WEMBLEY PLACE?+
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
01Positioned at the premium end
$929,999 runs 116% above the OVIEDO 32765 median — but at 3,886 sqft it's also nearly twice the size of the typical Oviedo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 RE/MAX TOWN CENTRE · David Sanchez. MLS #O6443657.
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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