340 KIWANIS CIRCLE, CHULUOTA, FL, 32766
Active6 days on marketListed Oct 5, 2026MLS #O6447240
About this home
340 KIWANIS CIRCLE
LAKEFRONT. ACREAGE. BARN. NO HOA. PRIVACY. Welcome to Lake Gore in Chuluota! Discover a rare opportunity to own a private lakefront retreat offering approximately 238 feet of waterfront, approximately one acre of upland, and 2.08 total acres with A-1 zoning and room to spread out. This distinctive 4-bedroom, 2.5-bath cabin-style home offers approximately 2,878 square feet of living space, blending classic Old Florida character with log and stone construction and valuable modern improvements. Step inside to warm wood ceilings and walls, a dramatic wood-burning stone fireplace, parquet flooring and expansive living spaces that create an inviting lodge-like atmosphere. Large windows bring in natural light and connect the interior to the peaceful, private setting. Outside is where this property truly stands apart. A brick-paver driveway leads to the oversized 2-car garage, while the acreage provides plenty of space for boats, recreational vehicles, equipment and outdoor toys. A-1 zoning and zoning for horses, along with a two-story barn, offer exceptional versatility for storage, a workshop, hobbies, animals or recreational use. NO HOA and NO CDD provide even more freedom to enjoy the property your way. Major improvements and features include a newer metal roof, new A/C, Generac generator, water softener, private well and irrigation supplied from the lake, helping make maintaining the expansive property and landscaping more convenient. Enjoy quiet mornings overlooking Lake Gore, evenings around the fireplace and the privacy that comes with owning acreage and your own stretch of waterfront. Tucked away in Chuluota, you'll enjoy a peaceful rural setting while remaining convenient to Oviedo, UCF, Research Park, major roadways and the greater Orlando area. Lakefront. Acreage. Barn. Oversized garage. A-1 zoning. No HOA. This is a combination that's increasingly difficult to find in Central Florida. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,878
Sqft
2.08 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$295
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 — not generic estimates.
$5,324 /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
$5,324/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
+43.6%
$/sqft vs Chuluota actives
$295 vs $288
Days on market
6 vs 85 typical
Where $295/sqft sits among the 15 Chuluota 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 Chuluota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Chuluota. See the full Chuluota guide →
CHULUOTA 32766 — neighborhood snapshot
Population
15,966
Median age
42.2
Median income
$146,215
Median home value
$529,600
Avg household
3.18
Households w/ children
2,393
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Chuluota market
$584K → $707K
Chuluota median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
7 of 15
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% above the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 340 KIWANIS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,060,000
243 CLEARVIEW ROAD · same community
4 bd · 3 ba · 2,980 sqft · $356/sqft · 7 DOM
Sold · Sep ’26$540,000
284 CLEARVIEW ROAD · same community
3 bd · 2 ba · 1,828 sqft · $295/sqft · 59 DOM
Sold · Jun ’26$679,000
673 RED PEPPER LOOP
5 bd · 3 ba · 2,916 sqft · $233/sqft · 82 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 340 KIWANIS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 340 KIWANIS 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
340 KIWANIS CIRCLE FAQs
What would the monthly payment be for 340 KIWANIS CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,324/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 340 KIWANIS CIRCLE?+
The most recent tax bill on record (2025) was $3,109. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Chuluota?+
At $850,000, this home is priced right at the Chuluota median.
Which schools are assigned to 340 KIWANIS CIRCLE?+
Walker Elementary School (elementary), Chiles Middle School (middle), Hagerty High School (high) — 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
$850,000 runs 35% above the CHULUOTA 32766 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Chuluota market that averages 85 — if it fits, move quickly.
04Strong assigned schools
Walker Elementary School, Chiles Middle School, Hagerty High School — Walker Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Brittany Zapitz. MLS #O6447240.
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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