2821 SHADY WILLOW LANE, OVIEDO, FL, 32765
Active10 days on marketListed Oct 1, 2026MLS #O6446506
About this home
2821 SHADY WILLOW LANE
You'll have plenty of room in this 1,656-square-foot 3-bedroom, 2.5-bath townhome, which has a loft area upstairs that includes a built-in desk. The spacious kitchen features 42-inch cabinets, granite countertops, stainless appliances, and recessed lighting. The primary bedroom offers a walk-in closet, an ensuite bath with dual vanity sinks, a walk-in shower, and a garden tub. The inside laundry room is conveniently located in the hallway upstairs. An added bonus is the Under-the-stairs storage closet and the water filtration system in the oversized 2-car garage. Located in a gated community with a resort-style community pool, it offers easy access to main routes and is zoned for highly rated local schools.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,656
Sqft
0.07 ac
Lot size
2
Garage
2009
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /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
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Oviedo actives
$1 vs $243
Days on market
10 vs 59 typical
Where $1/sqft sits among the 190 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 190
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 2821 SHADY WILLOW LANE
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$374,000
5453 BURNT ACORN WAY · same community
3 bd · 2.5 ba · 1,656 sqft · $226/sqft · 26 DOM
Sold · May ’26$369,000
2664 SWEET MAGNOLIA PLACE · same community
3 bd · 2.5 ba · 1,656 sqft · $223/sqft · 26 DOM
Sold · Apr ’26$344,000
5178 SABAL BRANCH COVE · same community
3 bd · 2.5 ba · 1,558 sqft · $221/sqft · 5 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 2821 SHADY WILLOW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2821 SHADY WILLOW LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2821 SHADY WILLOW LANE FAQs
What would the monthly payment be for 2821 SHADY WILLOW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2821 SHADY WILLOW LANE?+
The listing reports pets: No. 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 $2,400, this home is listed about 100% below the Oviedo median of $482,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2821 SHADY WILLOW LANE?+
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 ABSOLUTE REALTY GROUP, LLC · Courtney Davis. MLS #O6446506.
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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