1028 SOUTHERN OAK LANE, APOPKA, FL, 32712
Active2 days on marketListed Nov 5, 2026MLS #V4952124
About this home
1028 SOUTHERN OAK LANE
BEAUTIFUL 5-BEDROOM HOME IN SOUGHT AFTER DEER LAKE CHASE COMMUNITY. Welcome to Deer Lake Chase, a beautiful, intimate community of only 28 homes where spacious homesites are all approximately 1/2 acre or more. If you've been looking for room to spread out, entertain, and enjoy the Florida lifestyle, this exceptional home is a must see! This light and bright welcoming home offers 5 Bedrooms and 3 Baths and a wonderful 3 Way split Floor plan providing plenty of space and privacy for everyone. Step inside and be impressed 10, 12 and 14 Ft ceilings in Living Room, Dining Room, Sun Room and Family Room with Skylights for lots of natural lighting. Soaring 14-foot ceilings Formal living room and formal dining room. Bright and sunny sunroom overlooking the screened room Beautifully landscaped lot with no side neighbor on the left. Over ½ acre with a HUGE backyard and plenty of room for a pool. Guest Bath has door to Screen Room ready for added Pool access. A Kitchen you will love with Stainless Steel Appliances, (owner replacing refrigerator with Brand New Stainless Ref, Solid Wood Cabinets with Pull out shelving, Granite Counters, Glass Cook Top, DOUBLE OVENS, Microwave, Dishwasher, Large Walk in Pantry. Relax in your private Primary Suite with Transom Window for light, Ensuite Bath with Slipper Tub, double sinks and separate tile shower. With its beautifully oversized landscaped setting, Large Screen Porch to enjoy the beautiful view, Irrigation with internet control, wonderful natural light, and thoughtfully designed floor plan, this home offers something that's becoming harder to find: SPACE, PRIVACY, AND ROOM TO ENJOY LIFE!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,441
Sqft
0.5 ac
Lot size
2
Garage
1992
Year built
One
Levels
$217
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.
$4,346 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,346/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+12.8%
$/sqft vs Apopka actives
$217 vs $215
Days on market
2 vs 47 typical
Where $217/sqft sits among the 400 Apopka 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 Deer Lake Chase
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apopka. See the full Apopka guide →
Deer Lake Chase — neighborhood snapshot
Population
576
Median age
50
Median income
$125,000
Median home value
$462,700
Avg household
3
Households w/ children
58%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apopka market
$399K → $405K
Apopka median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
213 of 400
Apopka actives have cut their price
Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the APOPKA 32712 median. See the full Apopka market guide →
Paper trail
This home's history
Reality check
What actually sold near 1028 SOUTHERN OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$650,000
924 SOUTHERN OAK LANE · same community
4 bd · 4 ba · 2,996 sqft · $217/sqft · 6 DOM
Sold · Oct ’26$610,000
1937 HIDDEN PINE LANE
4 bd · 2.5 ba · 2,472 sqft · $247/sqft · 65 DOM
Sold · Sep ’26$635,000
2221 BLUFF OAK STREET
4 bd · 2 ba · 2,398 sqft · $265/sqft · 67 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 1028 SOUTHERN OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1028 SOUTHERN OAK LANE — 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
1028 SOUTHERN OAK LANE FAQs
What would the monthly payment be for 1028 SOUTHERN OAK LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,346/mo — principal and interest, the actual property-tax bill, the $29/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 1028 SOUTHERN OAK LANE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1028 SOUTHERN OAK LANE?+
The most recent tax bill on record (2025) was $3,419. 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 1028 SOUTHERN OAK LANE?+
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 Apopka?+
At $529,900, this home is listed about 21% above the Apopka median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1028 SOUTHERN OAK LANE?+
Apopka Middle (middle), Rock Springs Elementary (elementary), Apopka High (high) — Orange 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
$529,900 runs 18% above the APOPKA 32712 median — but at 2,441 sqft it's also 25% larger than the typical Apopka listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a Apopka market that averages 47 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Terry Bailey. MLS #V4952124.
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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