CENTURY 21 Edge
$465,0004 bd2.5 ba2,323 sqft$200 /sqft≈$4,332 /mo all-in ↓

409 WHISPERING OAK LANE, APOPKA, FL, 32712

Active2 days on marketListed Nov 6, 2026MLS #V4952203

Private poolSingle Family ResidenceBENT OAK PH 02

About this home

409 WHISPERING OAK LANE

Virtually Staged. A HOME WITH CHARACTER, SPACE, AND ENDLESS POSSIBILITIES IN BEAUTIFUL BENT OAK! Welcome home where distinctive architecture, mature oak trees, and lush tropical landscaping set the stage for a home filled with personality and potential. Located on approximately 0.37 acres in an established residential neighborhood, this four-bedroom, two-and-a-half-bath pool home offers almost 2,400 square feet of living space, large a two-car garage, and an inviting combination of indoor and outdoor living. From the moment you arrive, the home's impressive architectural windows, natural stone accents, and beautiful landscape create a peaceful setting. Step inside to discover a spacious, versatile floor plan designed with multiple areas for gathering, entertaining, and everyday living. The front living room makes an immediate statement with its soaring ceiling and dramatic wall of windows that fills the space with natural light. A separate dining room provides a welcoming setting for everything from casual meals to special occasions. At the heart of the home, the expansive family room is a true architectural highlight, showcasing a vaulted ceiling with exposed wood beams, skylights, and a striking floor-to-ceiling stone fireplace. The adjoining kitchen offers abundant cabinetry, generous counter space, and a center island, while an additional oversized living area provides remarkable flexibility for a media room, game room, home office, or extended entertaining space. The split-bedroom layout features a spacious primary suite with a private bath and walk-in closet, while three additional bedrooms offer flexibility for guests, hobbies, or work-from-home needs. An interior laundry room and attached two-car garage add to the home's practical design. OUTDOOR LIVING IS WHERE THIS PROPERTY REALLY SHINES! Step outside and discover a private backyard retreat filled with mature shade trees, tropical plants, and room to enjoy Florida's year-round sunshine. The in-ground swimming pool, separate covered gazebo, open lawn areas, and winding garden pathways create a wonderful setting for weekend gatherings, outdoor dining, gardening, or simply enjoying the natural surroundings. A detached storage building provides additional space for tools, lawn equipment, and seasonal belongings. Beyond the property, BENT OAK is known for its established surroundings, mature trees, and generously sized homesites. This desirable Apopka location places you within reach of everyday shopping, dining, and recreation, along with some of Central Florida's most treasured natural attractions. Explore the crystal-clear waters, hiking trails, and kayaking opportunities at Wekiwa Springs State Park, or spend a day swimming and tubing at Kelly Park/Rock Springs. The nearby Northwest Recreation Complex offers sports fields, tennis and basketball courts, playgrounds, walking trails, and the Apopka Amphitheater for outdoor events and entertainment. Access to SR 436, SR 434, and SR 429 connects you with surrounding communities, employment centers, and the greater Orlando area. With its distinctive design, expansive living areas, private pool, and beautiful natural setting, this property offers an exciting opportunity to bring your own vision and personal touches to a home with so much to offer. Discover the possibilities and make 409 Whispering Oak Lane your next chapter!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,323

Sqft

0.37 ac

Lot size

2

Garage

1981

Year built

One

Levels

$200

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ExteriorSliding Doors

Community & fees

HOA fee$45/mo
Taxes (2025)$8,750/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Water Connected
WaterPublic

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.

$4,332 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,192
FHA mortgage insurance (est.)$206
Property tax — 2025 actual bill$729
HOA fee — from the listing$45
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,275Loan30-yr fixed at 7.5%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% · $16,275
Interest rate7.50%
Loan term

Estimated payment

$4,332/mo

Principal & interest$3,192
FHA mortgage insurance (est.)$206
Property taxes (actual bill)$729
HOA / condo fee$45
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.

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.

List $465K
$401KedgeAI estimate $464,615 · range $418K–$511K$532K

vs edgeAI estimate

+0.1%

Days on market

2 vs 48 typical

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 Bent Oak

Drive times from this address

Downtown Orlando≈ 23 min
Universal Orlando≈ 36 min
Orlando Int’l Airport (MCO)≈ 43 min
Walt Disney World≈ 44 min

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

Get to know Apopka. See the full Apopka guide →

Bent Oak — neighborhood snapshot

Population

1,024

Median age

45

Median income

$116,420

Median home value

$472,200

Avg household

3

Households w/ children

114

For the school run

Orange County School District

ElementaryClay Springs Elementary★★★★★
MiddlePiedmont Lakes Middle★★★★★
HighWekiva High★★★★★

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

The numbers that matter

The Apopka market

Seller’s marketLeans seller — 3.1 months of inventoryBuyer’s market

$399K → $405K

Apopka median sold, yr/yr

98.2%

Sale-to-list ratio (12 mo)

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

This home is listed 3% above the APOPKA 32712 median. See the full Apopka market guide →

Paper trail

This home's history

Nov 6, 2026Listed at $465,000 · 2 days on market since
1981Built · BENT OAK PH 02

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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 409 WHISPERING OAK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 409 WHISPERING OAK LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

409 WHISPERING OAK LANE FAQs

What would the monthly payment be for 409 WHISPERING OAK LANE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,332/mo — principal and interest, the actual property-tax bill, the $45/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 409 WHISPERING OAK LANE?+

The association fee works out to $45 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 409 WHISPERING OAK LANE?+

The most recent tax bill on record (2025) was $8,750. 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 409 WHISPERING 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 $465,000, this home is listed about 6% above the Apopka median of $439,000. The market section on this page shows how the area is trending.

Which schools are assigned to 409 WHISPERING OAK LANE?+

Clay Springs Elementary (elementary), Piedmont Lakes Middle (middle), Wekiva High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of GLORY INTL. REAL ESTATE CO · Jennifer Clark. MLS #V4952203.

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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