Steeve Cadeau
$520,000$535,0003 bd2 ba2,241 sqft$232 /sqft$3,791 /mo all-in ↓

3645 ROCHELLE LANE, APOPKA, FL, 32712

Active110 days on marketListed Apr 15, 2026MLS #O6399309

Reduced $15KPrivate poolSingle Family ResidenceROCK SPGS RIDGE PH 04-A 51 137

About this home

3645 ROCHELLE LANE

Experience comfortable Florida living in this well-maintained pool home located in Apopka’s sought-after Rock Springs Ridge community., Offering a flexible 3-bedroom + dedicated office layout (ideal for a 4th bedroom, guest space, or work-from-home setup), this property stands out with thoughtful updates and energy-efficient features. From the moment you enter, you’ll notice Norman plantation shutters, thoughtful finishes, and a layout designed for both comfort and function. The spacious primary suite serves as a private retreat, featuring dual closets (walk-in + reach-in) and a spa-inspired bath with marble tile shower, garden tub with jets and bubbles, and dual vanities. The kitchen blends style and performance with Corian and granite countertops, stainless steel appliances, convection microwave, and an induction cooktop, creating a space that is both modern and highly functional. Secondary bedrooms feature walk-in closets with custom ventilated shelving, while the flex/office space provides versatility for guests, work-from-home, or additional living needs. Step outside and you’ll understand what makes this home truly special. The private backyard is designed for year-round enjoyment, featuring a saltwater pool and heated spa, fully app-controlled, along with a stone paver patio—perfect for entertaining or unwinding in your own resort-style setting. Additional features include: Paid-off solar delivering long-term energy savings, Hybrid 50-gallon water heater, Built-in surround sound in the family room, Cat5 wiring throughout the home, Irrigation system, Attic stairs with plywood flooring for added storage, The home has had no flooding issues, offering added peace of mind. Located within a community where the golf course is closed but HOA-owned, there is a letter of intent in the works with a plan to reopen the Golf course. This property offers a unique lifestyle opportunity in one of Apopka’s most desirable areas, with convenient access to shopping, dining, and major roadways

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,241

Sqft

0.29 ac

Lot size

2

Garage

2003

Year built

One

Levels

$232

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorthwest
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$77/mo
Taxes (2025)$3,151/yr
PetsYes
CommunitySidewalks

Utilities & systems

UtilitiesPublic · Sewer 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.

$3,791 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property tax — 2025 actual bill$263
HOA fee — from the listing$77
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,200Loan30-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% · $18,200
Interest rate6.00%
Loan term

Estimated payment

$3,791/mo

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property taxes (actual bill)$263
HOA / condo fee$77
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 $520K
$482KedgeAI estimate $560,370 · range $503K$503K$541K

vs edgeAI estimate

−7.2%

$/sqft vs Apopka actives

$232 vs $218

Days on market

110 vs 28 typical

Where $232/sqft sits among the 400 Apopka actives

57
111
111 · this home
74
21
26
$156–184$184–212$212–240$240–268$268–297$297+

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 Rock Springs Ridge

Map of 3645 ROCHELLE LANE inside its neighborhood boundary

Drive times from this address

Downtown Orlando37 min
Universal Orlando40 min
Walt Disney World46 min
Orlando Int’l Airport (MCO)52 min

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

Get to know Apopka. See the full Apopka guide →

Rock Springs Ridge — neighborhood snapshot

Population

4,529

Median age

44

Median income

$168,196

Median home value

$548,647

Avg household

3

Households w/ children

619

For the school run

Orange County School District

ElementaryKelly Park School★★★★
HighApopka High★★★★★

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

The numbers that matter

The Apopka market

Seller’s marketLeans seller3.7 months of inventoryBuyer’s market

$399K$419K

Apopka median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

176 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 10% above the APOPKA 32712 median. See the full Apopka market guide →

Paper trail

This home's history

CurrentPrice reduced to $520,000 $15K
Apr 15, 2026Listed at $535,000 · 110 days on market since
2003Built · ROCK SPGS RIDGE PH 04-A 51 137

Reality check

What actually sold near 3645 ROCHELLE LANE

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

3361 ROLLING HILLS LANESold · Jun ’26

$450,000

3361 ROLLING HILLS LANE · same community

4 bd · 2 ba · 2,220 sqft · $203/sqft · 165 DOM

3366 PLAYERS POINT LOOPSold · Mar ’26

$525,000

3366 PLAYERS POINT LOOP · same community

3 bd · 3 ba · 2,437 sqft · $215/sqft · 192 DOM

846 ROCKFORD ROADSold · Mar ’26

$490,000

846 ROCKFORD ROAD · same community

4 bd · 2 ba · 2,031 sqft · $241/sqft · 66 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3645 ROCHELLE 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 3645 ROCHELLE LANE — 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

3645 ROCHELLE LANE FAQs

What would the monthly payment be for 3645 ROCHELLE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,791/mo — principal and interest, the actual property-tax bill, the $77/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 3645 ROCHELLE LANE?+

The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3645 ROCHELLE LANE?+

The most recent tax bill on record (2025) was $3,151. 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 3645 ROCHELLE 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 $520,000, this home is listed about 16% above the Apopka median of $448,952. The market section on this page shows how the area is trending.

Which schools are assigned to 3645 ROCHELLE LANE?+

Kelly Park School (elementary), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$520,000 runs 10% above the APOPKA 32712 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

110 days on market against a Apopka median of 28 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Kelly Park School, Apopka High — Kelly Park School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $535,000, now $520,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Jason Ricks. MLS #O6399309.

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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