1093 KELLY CREEK CIRCLE, OVIEDO, FL, 32765
Active13 days on marketListed Sep 28, 2026MLS #O6444117
About this home
1093 KELLY CREEK CIRCLE
Welcome to this beautifully maintained 3-bedroom, 3-bath, two-story home located in Twin Rivers, one of Oviedo’s most established and sought-after communities! Situated on an oversized .31-acre lot, this move-in-ready home offers a wonderful combination of comfort, thoughtful updates, versatile living space, and a peaceful backyard setting. Step outside and enjoy your own private retreat overlooking a beautiful river-fed pond. Take a relaxing walk around the backyard, sit and unwind by the water, enjoy your morning coffee, or simply take in the peaceful views. Inside, fresh interior paint creates a bright, clean, and contemporary feel. Both full bathrooms upstairs have been tastefully renovated with updated fixtures and finishes, including bidets for added comfort and convenience. Additional features and recent improvements include: Newer A/C system installed March 2025, New Amana range, offering added peace of mind and energy efficiency. Oversized 16' x 14' shed/workshop, providing plenty of space for tools, equipment, hobbies, or additional storage while helping keep the garage organized and clutter-free. Recently refinished garage floor with an epoxy coating, creating a clean and polished appearance. Spacious 30' x 11' sunroom, approximately 330 square feet, equipped with a brand-new A/C and heating unit. This flexible space can be enjoyed year-round as a home office, gym, hobby room, entertaining area, or seasonal retreat, all while enjoying beautiful views of the pond. Conveniently located near UCF, Seminole State College, highly rated schools, shopping, dining, and major roadways, this home offers an ideal combination of lifestyle, location, and flexibility. Don't miss the opportunity to own a beautifully updated home on nearly one-third of an acre in a prime Oviedo location, complete with tranquil water views, abundant storage, and versatile living spaces. Welcome home to Twin Rivers!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,170
Sqft
0.31 ac
Lot size
2
Garage
1989
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.
$3,782 /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
$3,782/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
+0.2%
$/sqft vs Oviedo actives
$233 vs $243
Days on market
13 vs 63 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 Twin Rivers
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
Twin Rivers — neighborhood snapshot
Population
8,738
Median age
39
Median income
$131,063
Median home value
$432,766
Avg household
3
Households w/ children
1,192
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.
This home is listed 17% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1093 KELLY CREEK 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$385,000
1006 N MAGEE CREEK COURT · same community
4 bd · 2.5 ba · 2,058 sqft · $187/sqft · 27 DOM
Sold · Mar ’26$439,000
1071 KELLY CREEK CIRCLE · same community
3 bd · 2 ba · 1,567 sqft · $280/sqft · 16 DOM
Sold · Apr ’26$490,000
1043 KELLY CREEK CIRCLE · same community
3 bd · 2 ba · 1,428 sqft · $343/sqft · 9 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1093 KELLY CREEK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1093 KELLY CREEK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1093 KELLY CREEK CIRCLE FAQs
What would the monthly payment be for 1093 KELLY CREEK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,782/mo — principal and interest, the actual property-tax bill, the $15/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 1093 KELLY CREEK CIRCLE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1093 KELLY CREEK CIRCLE?+
The most recent tax bill on record (2025) was $4,925. 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 1093 KELLY CREEK CIRCLE?+
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 $505,000, this home is listed about 4% above the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 1093 KELLY CREEK CIRCLE?+
Hagerty High School (high), Carillon Elementary School (elementary), Jackson Heights Middle School (middle) — 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
$505,000 runs 17% above the OVIEDO 32765 median.
02Park/Greenbelt & Trees/Woods & Water views
The park/greenbelt and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Hagerty High School, Carillon Elementary School, Jackson Heights Middle School — Hagerty High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $519,000, now $505,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SAND DOLLAR REALTY GROUP INC · Robert Arnold, Jr. MLS #O6444117.
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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