3780 CHARLESTON LOOP, OVIEDO, FL, 32765
Active3 days on marketListed Jul 20, 2026MLS #O6426515
About this home
3780 CHARLESTON LOOP
Welcome Home to Luxury Living in the Prestigious GATED Community of River Walk! Step inside this stunning 4-bedroom, 3-bathroom POOL home offering over 3,300 square feet of thoughtfully designed living space in one of Oviedo's most sought-after gated communities. Major updates provide added peace of mind, including a NEWER ROOF (2021), two A/C units (2022 & 2023), and a NEW hot water heater (2025). From the moment you enter, you'll be impressed by the beautiful hardwood floors, soaring ceilings, and elegant crown molding that create a warm yet sophisticated atmosphere. The welcoming foyer opens to a formal dining room or home office on one side and a formal living room straight ahead—perfect for entertaining or relaxing. The spacious primary suite is a true retreat, featuring private access to the pool, two walk-in closets, and a luxurious ensuite bath complete with dual vanities, a garden tub, a large walk-in shower, and the added convenience of its own dedicated tankless water heater. On the opposite side of the home, you'll find a beautifully renovated kitchen that opens seamlessly into the expansive family room, creating the ideal gathering space. A pocket door provides privacy for two additional generously sized bedrooms and a full bathroom, making this layout perfect for family or guests. A fourth bedroom and full bath near the front of the home also serve as an excellent guest suite or pool bath. Step outside and enjoy your private screened pool, offering the perfect space to relax, entertain, or enjoy Florida's year-round sunshine. The oversized 3-car garage boasts exceptionally high ceilings, providing abundant storage space for vehicles, recreational equipment, and more. Nestled along the scenic Econlockhatchee River, River Walk welcomes you with peaceful, tree-lined streets and a tranquil setting while keeping you close to everything. Enjoy convenient access to UCF, Seminole State College, UCF Research Park, Siemens, Lockheed Martin, SR 417, SR 408, Waterford Lakes, shopping, dining, and entertainment. Plus, this home is zoned for top-rated Seminole County schools. This exceptional home combines elegance, space, significant recent updates, and an unbeatable location. Don't miss your opportunity to make it yours—schedule your private showing today before it's gone!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,316
Sqft
0.37 ac
Lot size
3
Garage
1992
Year built
One
Levels
$271
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.
$6,148 /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
$6,148/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
+20.6%
Days on market
3 vs 25 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 Oviedo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
OVIEDO 32765 — neighborhood snapshot
Population
63,646
Median age
35.5
Median income
$99,161
Median home value
$418,600
Avg household
2.82
Households w/ children
8,093
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oviedo market
$539K → $580K
Oviedo median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
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 3780 CHARLESTON LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3780 CHARLESTON LOOP — 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
3780 CHARLESTON LOOP FAQs
What would the monthly payment be for 3780 CHARLESTON LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,148/mo — principal and interest, the actual property-tax bill, the $107/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 3780 CHARLESTON LOOP?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3780 CHARLESTON LOOP?+
The most recent tax bill on record (2025) was $8,258. 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 3780 CHARLESTON LOOP?+
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 Oviedo?+
At $899,900, this home is listed about 71% above the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3780 CHARLESTON LOOP?+
Carillon Elementary School (elementary), Hagerty High School (high), Jackson Heights Middle School (middle) — 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
$899,900 runs 89% above the OVIEDO 32765 median — but at 3,316 sqft it's also 60% larger than the typical Oviedo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 3 days on market in a Oviedo market that averages 25 — if it fits, move quickly.
04Strong assigned schools
Carillon Elementary School, Hagerty High School, Jackson Heights Middle School — Carillon Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of VOSS REALTY INC · Lindsay Kaye Voss. MLS #O6426515.
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.
Never miss a listing
New Oviedo homes, in your inbox
Like 3780 CHARLESTON LOOP but not quite? A daily digest of every new listing in Oviedo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →