4020 PITCH PINE CIRCLE, OVIEDO, FL, 32765
Active16 days on marketListed Sep 25, 2026MLS #O6444378
About this home
4020 PITCH PINE CIRCLE
This bright and spacious two-story corner-unit townhouse offers an excellent combination of comfort, updates, and convenience. The home features a one-car garage, large primary bedroom with a walk-in closet, brand-new carpet throughout the second story, and tile flooring throughout the first floor. Recent improvements include a newer AC, new water heater, new roof and freshly painted interior & exterior. There is also plenty of guest parking for visitors. Enjoy all the amenities the community has to offer, including a community pool and recreation facilities. The location is hard to beat: just minutes from UCF, Waterford Lakes shopping and dining, the 408, and numerous restaurants, shops, and everyday conveniences. Zoned for A+ Rated schools. This is a wonderful opportunity to own a well-maintained townhouse in a highly convenient location!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,828
Sqft
0.04 ac
Lot size
1
Garage
2006
Year built
Two
Levels
$197
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.
$3,100 /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
$3,100/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
+4%
$/sqft vs Oviedo actives
$197 vs $243
Days on market
16 vs 63 typical
Where $197/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 16% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4020 PITCH PINE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$337,500
4442 MAIDENHAIR COVE · same community
3 bd · 2.5 ba · 1,828 sqft · $185/sqft · 36 DOM
Sold · Jul ’26$325,000
3530 CARUSO PLACE · same community
3 bd · 2.5 ba · 1,480 sqft · $220/sqft · 4 DOM
Sold · Jul ’26$310,000
3562 CARUSO PLACE · same community
3 bd · 2.5 ba · 1,480 sqft · $209/sqft · 84 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 4020 PITCH PINE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4020 PITCH PINE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4020 PITCH PINE CIRCLE FAQs
What would the monthly payment be for 4020 PITCH PINE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,100/mo — principal and interest, the actual property-tax bill, the $295/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 4020 PITCH PINE CIRCLE?+
The association fee works out to $295 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4020 PITCH PINE CIRCLE?+
The most recent tax bill on record (2025) was $4,403. 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 4020 PITCH PINE CIRCLE?+
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 $359,900, this home is listed about 26% below the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 4020 PITCH PINE CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TAL BUSIDAN PA · Tal Busidan. MLS #O6444378.
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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