121 RESERVE CIRCLE UNIT 105, OVIEDO, FL, 32765
Active5 days on marketListed Aug 23, 2026MLS #S5156157
About this home
121 RESERVE CIRCLE UNIT 105
Beautiful first-floor condo, completely renovated, fully furnished, and truly move-in ready, located just one mile from UCF in a highly desirable resort-style community. This property stands out with modern design, new furniture, porcelain tile flooring, and fully renovated bathrooms featuring upscale finishes rarely found in comparable units. The updated kitchen offers modern cabinetry, granite countertops, and stainless steel appliances, creating a functional and stylish space that flows perfectly into the main living areas. The primary bedroom is privately positioned at the rear of the unit and includes a renovated en-suite bathroom and generous closet space. The second bedroom and guest bathroom provide excellent flexibility for guests, roommates, or a home office. Enjoy the screened-in porch overlooking a peaceful conservation area, ideal for relaxing or enjoying your morning coffee. Best of all, everything shown in the photos is included with the sale, including the furniture and décor throughout each space. The community offers resort-style amenities including a pool, clubhouse, tennis courts, and basketball courts. Assigned parking is conveniently located directly in front of the unit, with additional guest parking available. Condo fees include water, sewer, and trash. An excellent opportunity to own a fully renovated, beautifully furnished property with modern finishes, comfort, and convenience in a prime Orlando location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
975
Sqft
0.02 ac
Lot size
1989
Year built
One
Levels
$287
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.
$2,471 /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
$2,471/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
+22.4%
$/sqft vs Oviedo actives
$287 vs $251
Days on market
5 vs 39 typical
Where $287/sqft sits among the 188 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)
118 of 188
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 121 RESERVE CIRCLE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$260,000
108 RESERVE CIRCLE UNIT 108 · same community
2 bd · 2 ba · 975 sqft · $267/sqft · 175 DOM
Sold · Jun ’26$210,000
176 RESERVE CIRCLE UNIT 108 · same community
2 bd · 1.5 ba · 875 sqft · $240/sqft · 37 DOM
Sold · Apr ’26$225,000
112 RESERVE CIRCLE UNIT 212 · same community
2 bd · 2 ba · 1,098 sqft · $205/sqft · 39 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 121 RESERVE CIRCLE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 RESERVE CIRCLE UNIT 105 — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
121 RESERVE CIRCLE UNIT 105 FAQs
What would the monthly payment be for 121 RESERVE CIRCLE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,471/mo — principal and interest, the actual property-tax bill, the $300/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 121 RESERVE CIRCLE UNIT 105?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 121 RESERVE CIRCLE UNIT 105?+
The most recent tax bill on record (2025) was $2,865. 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 121 RESERVE CIRCLE UNIT 105?+
The listing reports pets: Breed Restrictions. 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 $280,000, this home is listed about 45% below the Oviedo median of $509,990. The market section on this page shows how the area is trending.
Which schools are assigned to 121 RESERVE CIRCLE UNIT 105?+
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
Four things that matter here
01Under the OVIEDO 32765 market on paper
$280,000 is 40% below the OVIEDO 32765 median of $466,990.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 5 days on market in a Oviedo market that averages 39 — if it fits, move quickly.
04Strong 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 LA ROSA REALTY KISSIMMEE · Ramses Gonzalez. MLS #S5156157.
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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