823 CARRIGAN AVENUE, OVIEDO, FL, 32765
Active11 days on marketListed Sep 30, 2026MLS #O6445308
About this home
823 CARRIGAN AVENUE
Virtually Staged. Priced to Sell—and this one has a lot going for it! Don’t snooze on this uniquely situated 4-bedroom, 3-bath pool home in Oviedo’s Stillwater community. Sitting on a ¼-acre lot, this property feels more like ½ an acre thanks to the open side lot, community conservation area, and beautiful pond views. It’s the kind of setting that gives you extra breathing room without the extra maintenance! Even better? The big-ticket items have already been handled. Within the last three years, updates include the roof, A/C, water heater, replumbing, and pool equipment. Now it’s ready for your personal cosmetic touches to make it your own. Inside, you’ll find an open, split-bedroom floor plan with both formal living and family rooms, plus a cozy fireplace. The separate dining room can easily become a home office, playroom, gym, or whatever flex space fits your lifestyle. Outside, your private pool and peaceful pond views create the perfect backdrop for morning coffee, weekend entertaining, or unwinding at the end of the day. With a low annual HOA, plenty of space, major systems already updated, and a fantastic Oviedo location, this home offers tons of potential as a primary residence or investment property. Bring your vision, add your style, and make this Stillwater home your own!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,318
Sqft
0.28 ac
Lot size
2
Garage
1990
Year built
One
Levels
$222
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.
$3,923 /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
$3,923/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
+21.1%
$/sqft vs Oviedo actives
$222 vs $243
Days on market
11 vs 63 typical
Where $222/sqft sits among the 187 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)
124 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 20% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 823 CARRIGAN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$470,000
3449 FOXCROFT CIRCLE
4 bd · 3 ba · 2,334 sqft · $201/sqft · 32 DOM
Sold · Oct ’26$495,000
3883 KINGSTON OAKS COVE
4 bd · 2 ba · 2,297 sqft · $215/sqft · 110 DOM
Sold · Apr ’26$530,000
1391 HAMPSTEAD TERRACE
4 bd · 2 ba · 2,275 sqft · $233/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.
Your agent
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 823 CARRIGAN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 823 CARRIGAN AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
823 CARRIGAN AVENUE FAQs
What would the monthly payment be for 823 CARRIGAN AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,923/mo — principal and interest, the actual property-tax bill, the $24/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 823 CARRIGAN AVENUE?+
The association fee works out to $24 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 823 CARRIGAN AVENUE?+
The most recent tax bill on record (2025) was $5,756. 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 823 CARRIGAN AVENUE?+
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 $515,000, this home is listed about 6% above the Oviedo median of $486,210. The market section on this page shows how the area is trending.
Which schools are assigned to 823 CARRIGAN AVENUE?+
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
$515,000 runs 20% above the OVIEDO 32765 median — but at 2,318 sqft it's also 22% larger than 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 YOU HAVE REALTY LLC · Viv Lehman. MLS #O6445308.
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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