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Active·60 days on market

4485 Oak Arbor Circle

Orlando, FL 32808

$250,000$171/sqftEst. $1,292/moMLS# 2123581
2
Beds
2
Baths
1,466
Sq Ft
1986
Built
1
Garage
No
Pool

About this home

Orlando

100% Financing and Rate Buydown Options available! Discover comfort, space, and convenience in this 2-bedroom, 2.5-bath townhome with an attached garage in a well-maintained Orlando community. Offering 1,466 square feet of living space, this home features a welcoming main living area perfect for relaxing or entertaining, a functional kitchen, dining area, and a convenient half bath downstairs. Both bedrooms are located upstairs for privacy, each with its own bathroom. Built in 1986, this home offers established charm with room to personalize. Enjoy community living with HOA perks including a sparkling pool and relaxing hot tub. If you're looking for spacious, low-maintenance living in a great location, this property is a fantastic opportunity!

Cost to own

Mortgage calculator

$250,000
$50,000
Loan Term
Monthly Payment
$1,292
Principal & Interest: $1,292
Insurance (est.): $167
Estimated Total Monthly
$1,459
*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.71% · 30yr$1,292
HOAbilled monthly$361
Estimated total, before insurance$1,653/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1986)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,499 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Jul 7, 2026Listed$250,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$250,000
Price / Sq Ft$171
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,466
Year Built1986
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address4485 Oak Arbor Circle, Orlando, FL 32808
Area993-Out Of Area-South
SubdivisionPine Hill
CityOrlando
CountyOrange
StateFL
Zip Code32808
Parcel Number322129379904030

Amenities

AmenitiesPool, Clubhouse, Spa/Hot Tub
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo

Additional Information

Date ListedJuly 7, 2026
Days on Market176
HOA Fees$361 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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