490 RIVERWOODS TRAIL, CHULUOTA, FL, 32766
Active474 days on marketListed Apr 16, 2025MLS #O6287032
About this home
490 RIVERWOODS TRAIL
Virtually Staged. Under Construction. Lender Credit of 1% (of loan amount) toward closing costs or rate buy-down (inquire for more info). Welcome to 490 Riverwoods, where in just a short time, it will be ready for you to call it home. This is a thoughtfully constructed home where quality craftsmanship and premium materials set it apart. Designed for both comfort and durability, the home features spray foam insulation between the first and second floors, significantly reducing sound transfer and creating a quieter, more peaceful living environment. Energy-efficient Low-E double-pane windows help maintain comfortable indoor temperatures while reducing energy costs and protecting interior finishes from harmful UV rays. The showers are protected by the industry-leading Schluter waterproofing system, providing superior moisture protection and long-term reliability. Throughout the home, you'll find high-end luxury vinyl plank flooring that combines the elegant appearance of hardwood with exceptional durability and low maintenance. The concrete block walls are enhanced with core-fill insulation, improving energy efficiency, thermal performance, and overall comfort year-round. The spacious primary suite is complemented by a beautifully designed custom walk-in closet featuring built-in storage and organization, providing both functionality and a luxurious touch. The expansive front and rear porches are finished with authentic tongue-and-groove wood ceilings and recessed lighting throughout, creating a warm, inviting atmosphere that is perfect for relaxing evenings, entertaining guests, or enjoying the natural beauty of the surrounding landscape. A large bonus room offers exceptional flexibility and has been thoughtfully designed to be easily converted into two additional bedrooms. The space is already equipped with dual mini-split line set chases, simplifying climate control for each future room. Thoughtfully planned for future outdoor enjoyment, the septic system was professionally designed and installed with a future pool in mind, preserving flexibility for homeowners who may wish to add a pool and outdoor living space. Every detail of this home reflects a commitment to quality, efficiency, comfort, and lasting value, making 490 Riverwoods a truly exceptional place to call home.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,093
Sqft
4.99 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$404
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.
$7,683 /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
$7,683/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
+31.9%
$/sqft vs Chuluota actives
$404 vs $305
Days on market
474 vs 34 typical
Where $404/sqft sits among the 16 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
$648K → $788K
Chuluota median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
11 of 16
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 90% above the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 490 RIVERWOODS TRAIL
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$795,000
721 RIVERWOODS TRAIL · same community
4 bd · 2 ba · 2,214 sqft · $359/sqft · 4 DOM
Sold · Apr ’26$856,000
2380 FOLIAGE OAK TERRACE
4 bd · 3.5 ba · 3,083 sqft · $278/sqft · 3 DOM
Sold · Jul ’26$770,000
2623 HAZEL GROVE LANE
5 bd · 3 ba · 3,127 sqft · $246/sqft · 3 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 490 RIVERWOODS TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 490 RIVERWOODS TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
490 RIVERWOODS TRAIL FAQs
What would the monthly payment be for 490 RIVERWOODS TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,683/mo — principal and interest, the actual property-tax bill, the $22/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 490 RIVERWOODS TRAIL?+
The association fee works out to $22 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 490 RIVERWOODS TRAIL?+
The most recent tax bill on record (2024) was $3,442. 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 490 RIVERWOODS TRAIL?+
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 Chuluota?+
At $1,250,000, this home is listed about 45% above the Chuluota median of $862,500. The market section on this page shows how the area is trending.
Which schools are assigned to 490 RIVERWOODS TRAIL?+
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
$1,250,000 runs 90% above the CHULUOTA 32766 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
474 days on market against a Chuluota median of 34 — sellers in this position are usually ready to negotiate.
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 EXP REALTY LLC · Justin Core. MLS #O6287032.
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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