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Active

Active·51 days on market

507 Granite Circle

Chuluota, FL 32766

$650,000$202/sqftEst. $3,470/moMLS# 2158073
5
Beds
2.5
Baths
3,216
Sq Ft
2006
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $104/mo10,890 sqft lotSingle Family Residence2 stories

About this home

Chuluota

Welcome home! This beautiful property is 100% move-in ready, having been fully fixed, updated, and freshly painted throughout. Step inside to find a bright, functional layout and generous living spaces. The standout feature is the beautiful backyard area--perfect for entertaining guests, hosting weekend parties, or simply relaxing in comfort. Located in a quiet, desirable Chuluota neighborhood close to top-rated schools, parks, and major roadways, there is nothing left to do except turn the key and unpack. Schedule your showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$3,470
HOAbilled monthly$104
Estimated total, before insurance$3,574/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,421/yr · $618/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,470
Principal & Interest: $3,470
Insurance (est.): $433
Estimated Total Monthly
$3,903
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: Shingle — year not disclosed (home built 2006)

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

Sewer · FLA011076 - Chuluota WWTF

County records show this parcel on central sewer served by FLA011076 - Chuluota WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,819 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

As of August 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:15 AM, sunset 7:16 PM.

  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,421/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Aug 5, 2026Active$650,000
  • Jul 31, 2026Listed$650,000

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

Features

Price$650,000
Price / Sq Ft$202
Bedrooms5
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,216
Acres0.25 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address507 Granite Circle, Chuluota, FL 32766
Area993-Out Of Area-South
SubdivisionThe Trails
CityChuluota
CountySeminole
StateFL
Zip Code32766
Lot Size10,890 sq ft
Parcel Number21213250700000

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringTile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Patio / PorchCovered, Patio, Porch
RoofShingle
ConstructionBlock, Concrete, Stucco

Additional Information

Date ListedAugust 5, 2026
Days on Market21
HOA Fees$104 / Monthly
HOA FrequencyMonthly
HOA NameTHE TRAILS
Tax Amount$7,421
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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