3393 Bluff Oak Ln, photo 1
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Overview

3 bd2 ba2,226 sqft3 car garageSingle Family
TypeSingle Family
HOA$427/qtr
Built2021
Lot6,000 sqft
Living area2,226 sqft
Price / sqft$234
Garage3 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main Floor

3393 Bluff Oak Ln is a 2021-built home in Riverside Oaks Ph 1, Sanford. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,226 square feet of living space. Listed at $519,990 (about $234/sqft), 243 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $427 quarterly.

From the listing

**Seller offering upto $10,000 towards Buyer closing costs ** Find your perfect sanctuary at 3393 Bluff Oak Lane! This exquisitely enhanced Toll Brothers Wilmot Farmhouse model stands as a testament to quality construction, built in 2022 with 2,226 square feet of thoughtfully designed living space. Nestled within the prestigious gated Riverside Oaks community in Sanford, this remarkable property provides exclusive access to Lake Monroe and the St. Johns River. This exceptional 3-bedroom, 2-bathroom residence features a versatile flex room and spacious 3-car garage, masterfully combining contemporary convenience with family-focused functionality through its open-concept layout. The welcoming covered entrance and foyer corridor seamlessly flow into expansive main living areas that immediately embrace you with warmth and sophistication. The expertly designed kitchen showcases a generous center island with breakfast bar seating, abundant counter space, ample cabinetry, and a walk-in pantry featuring custom-designed shelving. The great room flows effortlessly toward bright sliding glass doors that lead to a screened patio with extended pavers and a fully fenced backyard— perfect for entertaining friends and family. The elegant primary bedroom suite boasts a large walk-in closet with custom-built storage, a spa-inspired bathroom featuring dual vanities with dressing space, a glass-enclosed shower, and a private water closet. Two additional bedrooms offer generous closet space with convenient access to a full hallway bath. Additional highlights include a flex room perfect for office use or guests, a custom-built entertainment bar, designated drop zone area with built-in cabinetry, and a centrally positioned laundry room with built-in storage. Riverside Oaks residents enjoy exclusive resort-style amenities featuring gated security entrance, community pool, dedicated dog park, children's playground, and exclusive boat ramp providing direct access to Lake Monroe and the St. Johns River. This prime location puts you close to Historic Downtown Sanford, Sanford International Airport, waterfront restaurants, picturesque walking trails, unique shopping venues, recreational parks, and main highways leading to world-renowned attractions and coastal destinations. This property delivers an unparalleled luxury lifestyle within one of Central Florida's most coveted private communities! For those seeking a contemporary, move-in ready residence, your search ends here. Seize this extraordinary opportunity—arrange your personal viewing today and witness this magnificent home for yourself! The property includes a transferable termite protection plan and may feature audio/visual monitoring systems. **Seller is offering a lender-paid temporary rate buydown through a participating lender, which may reduce buyer’s initial interest rate and monthly payment, subject to buyer qualification and lender terms. Buyer is not required to use the participating lender. Contact listing agent for details.**

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The essentials

Built
2021
Price / sqft
$234
On market
243 days
Annual tax
$6,126
HOA
$427/qtr
Flood zone
X · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Community pool
Shared amenity
3 car garage
Driveway
6,000 sqft lot
Lot size
2,226 sqft
Living area

Payment

Est. monthly payment
$3,624/mo
Down payment (20%)
$103,998
Property taxes
$511/mo
HOA
$427/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
6,000 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Tandem
Days on Market
243
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Sprinkler Metered
Clubhouse
Community Mailbox
Deed Restrictions
Gated Community - No Guard
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Hamilton Elementary
Middle
Millennium Middle
High
Seminole High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$6,126
Parcel #
28-19-31-501-0000-0530

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
Riverside Oaks Ph 1
County
Seminole
MLS Area
32771 - Sanford/Lake Forest
Lot Size
6,000 sqft
In CountySidewalkPaved
HOA
$427/qtr
Geeta Chowbey

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #O6381065
$519,990-1.9%
$234/sqft
-
Price change
Source: Stellar MLS #O6381065
$529,990-10.2%
$238/sqft
2/11/2026
Listed for sale
Source: Stellar MLS #O6381065
$589,990
$265/sqft

Neighborhood

3393 Bluff Oak Ln
Sanford, FL, 32771 · 32771 - Sanford/Lake Forest

Market insights

Offer Insights

Choose an offer strength

List price: $519,990
$515,000 – $519,990
99.5% – 100% of listTops out right at the list price
80% of listList price
158 of the last 286 home closings in 32771 landed at this number or higher (55%). The median one sat 37 days before it went under contract, and this one is on day 243 after a $70,000 cut.

Sample: 286 closed home sales in 32771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,624/mo
Principal & interest$2,712
Property taxes$511
Insurance$260
HOA$142
Down payment20% · $103,998
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

$519,990

$234 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,226 sq ft

Time on market

243 days

Year built

2021

Monthly payment

About $3,624/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,126 annual tax bill, insurance, and the $427/qtr HOA fee.

HOA fee

$427/qtr

Managed by Geeta Chowbey.

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 byCHARLES RUTENBERG REALTY ORLANDOListing agent: Ruby MargaretListing data from Stellar MLS, MLS# O6381065.

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