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Overview

4 bd2 ba2,256 sqft2 car garageSingle Family
TypeSingle Family
HOA$235/yr
Built2005
Lot9,785 sqft
Living area2,256 sqft
Price / sqft$221
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenSolid Surface CountersSolid Wood CabinetsSplit BedroomWalk-in Closet(s)Window Treatments

539 Granite Cir is a 2005-built home in Trails The Reserve, Chuluota. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,256 square feet of living space. Listed at $499,000 (about $221/sqft), 314 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $235 semi-annually.

From the listing

Virtually Staged. Meticulously maintained 4-bedroom, 2-bath home in move-in ready condition! This popular Austin Model by Maronda Homes offers an ideal layout for both everyday living and entertaining, featuring a desirable split-bedroom floor plan with the primary suite privately located off the great room. The spacious kitchen is the heart of the home, complete with a center island with additional sink, abundant counter space, and ample cabinetry—perfect for gatherings and meal prep. The primary suite includes dual walk-in closets and a well-appointed bath with private water closet, separate shower and tub, and convenient access to the outdoors. Enjoy generously sized rooms throughout and relax on the large screened-in lanai overlooking a beautifully landscaped backyard—ideal for entertaining family and friends. A nearby tot lot adds extra appeal for households of all sizes. Located in sought-after Oviedo, known for its top-rated schools, shopping, and dining. Seller is willing to consider all offers, including reasonable concessions toward buyer’s closing costs and seller is offering an AHS home warranty up to $600. Schedule your private tour today!

The essentials

Built
2005
Price / sqft
$221
On market
314 days
Annual tax
$5,415
HOA
$235/yr
Flood zone
X · Low risk
Lot
9,785 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
2 car garage
9,785 sqft lot
Lot size
2,256 sqft
Living area

Payment

Est. monthly payment
$3,323/mo
Down payment (20%)
$99,800
Property taxes
$451/mo
HOA
$235/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
9,785 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
314
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Walk-in Closet(s)
Window Treatments
Playground
Sidewalk
Park
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Flood Zone X
Annual Tax (2024)
$5,415
Parcel #
21 21 32 507 0000 0290

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Trails The Reserve
County
Seminole
MLS Area
32766 - Oviedo/Chuluota
Lot Size
9,785 sqft
SidewalkPaved
HOA
$235/yr
Amanda

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #O6364372
$499,000-3.9%
$221/sqft
-
Price change
Source: Stellar MLS #O6364372
$519,000-7.3%
$230/sqft
12/2/2025
Listed for sale
Source: Stellar MLS #O6364372
$560,000
$248/sqft

Neighborhood

539 Granite Cir
Chuluota, FL, 32766 · 32766 - Oviedo/Chuluota

Market insights

Offer Insights

Choose an offer strength

List price: $499,000
$492,500 – $499,000
98.7% – 100% of listTops out right at the list price
80% of listList price
40 of the last 78 home closings in 32766 landed at this number or higher (51%). The median one sat 21 days before it went under contract, and this one is on day 314 after a $61,000 cut.

Sample: 78 closed home sales in 32766 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,323/mo
Principal & interest$2,602
Property taxes$451
Insurance$250
HOA$20
Down payment20% · $99,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$499,000

$221 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,256 sq ft

Time on market

314 days

Year built

2005

Monthly payment

About $3,323/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,415 annual tax bill, insurance, and the $235/yr HOA fee.

HOA fee

$235/yr

Managed by Amanda.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byGLOBAL PROPERTIES SALES & MGMTListing agent: Irene Hayden, PAListing data from Stellar MLS, MLS# O6364372.

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