CENTURY 21 Edge
$364,9002 bd2.5 ba1,472 sqft$248 /sqft≈$3,379 /mo all-in ↓

2107 GOPHER TORTOISE TERRACE, OAKLAND, FL, 34787

Active3 days on marketListed Oct 10, 2026MLS #S5159312

✦ Priced 26% below the OAKLAND 34787 medianFully furnishedTownhouseLONGLEAF/OAKLAND REP

About this home

2107 GOPHER TORTOISE TERRACE

Beautifully maintained fully furnished six-year-old townhome in the charming town of Oakland! This 2-bedroom, 2.5-bath home features a covered front porch, abundant natural light, and thoughtful upgrades throughout. The open great room welcomes you with Shaw luxury vinyl tile flooring, neutral colors, recessed LED lighting, and dual-pane Low-E windows with cordless faux wood blinds. The kitchen features 42-inch cabinetry, granite countertops, a gray subway tile backsplash, and a spacious island with upgraded pendant lighting and a large undermount sink. Appliances include a Whirlpool Gold microwave, range, and dishwasher, plus an LG French-door refrigerator. A generous pantry with a California Closets shelving system provides exceptional organization. The adjoining dining area features upgraded lighting and access to a private 19-by-15-foot paver courtyard through a full-glass door with built-in blinds. A convenient desk nook with granite countertops, drawers, and cabinetry offers space to work from home. The first-floor laundry room includes a California Closets laundry station and access to ample storage beneath the stairs. A half bath is conveniently located off the stair landing. Upstairs, both spacious bedrooms feature walk-in closets and private bathrooms. The primary suite offers a beautifully organized California Closets system with a built-in vanity. Its ensuite bath includes dual sinks, granite countertops, Moen faucets, a private water closet, and a tiled shower with decorative accents, frameless glass, and an upgraded showerhead. The second bedroom’s bathroom features granite countertops and a tiled tub/shower combination with an accent inlay. The private courtyard connects to a two-car garage with epoxy flooring and a Bluetooth-enabled opener. Additional features include gutters, a Taexx built-in pest control system, Nest thermostat, Ring security system and doorbell, Alexa-compatible front porch lighting, and prewiring for ceiling fans in the great room and bedrooms. Enjoy community walking paths, a playground, and a pool, with lawn care included in the HOA. Conveniently located near the West Orange Trail, downtown Winter Garden, downtown Clermont, Florida’s Turnpike, and Winter Garden Village. Bring your pups—this community has no dog breed restrictions!

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,472

Sqft

0.05 ac

Lot size

2

Garage

2020

Year built

Two

Levels

$248

Per sqft

Furnished

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingHeat Pump
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · HardiPlank Type · Stucco · Wood Frame
FoundationSlab
FacesNorth
ExteriorCourtyard · Lighting · Rain Gutters · Sidewalk · Smart Lock(s)

Community & fees

HOA fee$425/mo
Taxes (2025)$5,820/yr
PetsCats OK, Dogs OK, Number Limit
CommunityCommunity Mailbox · Deed Restrictions · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterNone

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.

$3,379 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,148
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$485
HOA fee — from the listing$425
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,772Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,772
Interest rate6.00%
Loan term

Estimated payment

$3,379/mo

Principal & interest$2,148
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$485
HOA / condo fee$425
Est. insurance$160

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.

List $365K
$306KedgeAI estimate $328,857 · range $319K–$339K$379K

vs edgeAI estimate

+11%

$/sqft vs Oakland actives

$248 vs $287

Days on market

3 vs 46 typical

Where $248/sqft sits among the 32 Oakland actives

15 · this home
4
4
1
0
8
$195–264$264–334$334–403$403–473$473–542$542+

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 Oakland

Drive times from this address

Downtown Orlando≈ 18 min
Universal Orlando≈ 21 min
Walt Disney World≈ 29 min
Orlando Int’l Airport (MCO)≈ 33 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Oakland. See the full Oakland guide →

OAKLAND 34787 — neighborhood snapshot

Population

93,064

Median age

37.4

Median income

$114,988

Median home value

$475,000

Avg household

3.02

Households w/ children

13,499

For the school run

Orange County School District

ElementaryHamlin Elementary★★★★★
MiddleHamlin Middle★★★★★
HighWest Orange High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Oakland market

Seller’s marketLeans seller — 3.8 months of inventoryBuyer’s market

$605K → $697K

Oakland median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

12 of 32

Oakland actives have cut their price

Median sold price, Oakland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 26% below the OAKLAND 34787 median. See the full Oakland market guide →

Paper trail

This home's history

Oct 10, 2026Listed at $364,900 · 3 days on market since
2020Built · LONGLEAF/OAKLAND REP

Reality check

What actually sold near 2107 GOPHER TORTOISE TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2218 GOPHER TORTOISE TERRACESold · Dec ’25

$389,000

2218 GOPHER TORTOISE TERRACE · same community

2 bd · 2.5 ba · 1,472 sqft · $264/sqft · 36 DOM

1318 PAINTED BUNTING AVENUESold · Jul ’26

$350,000

1318 PAINTED BUNTING AVENUE · same community

2 bd · 2.5 ba · 1,472 sqft · $238/sqft · 107 DOM

2117 GOPHER TORTOISE TERRACESold · Sep ’26

$332,500

2117 GOPHER TORTOISE TERRACE · same community

2 bd · 2.5 ba · 1,497 sqft · $222/sqft · 147 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2107 GOPHER TORTOISE TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2107 GOPHER TORTOISE TERRACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2107 GOPHER TORTOISE TERRACE FAQs

What would the monthly payment be for 2107 GOPHER TORTOISE TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,379/mo — principal and interest, the actual property-tax bill, the $425/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 2107 GOPHER TORTOISE TERRACE?+

The association fee works out to $425 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2107 GOPHER TORTOISE TERRACE?+

The most recent tax bill on record (2025) was $5,820. 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 2107 GOPHER TORTOISE TERRACE?+

The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 Oakland?+

At $364,900, this home is listed about 54% below the Oakland median of $796,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2107 GOPHER TORTOISE TERRACE?+

Hamlin Elementary (elementary), Hamlin Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the OAKLAND 34787 market on paper

$364,900 is 26% below the OAKLAND 34787 median of $494,890, and at $248/sqft it sits under the Oakland average of $346.

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 3 days on market in a Oakland market that averages 46 — if it fits, move quickly.

04Strong assigned schools

Hamlin Elementary, Hamlin Middle, West Orange High — Hamlin Elementary rates 5 of 5. Always verify assignments with the district.

Listing courtesy of LPT REALTY, LLC · Beverly Amerman. MLS #S5159312.

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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