541 E Osceola Rd, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot217,800 sqft

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About this home

541 E Osceola Rd is a home in Lake Harney Estates 5 Acre Dev 256 Parcels, Geneva. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Seller is offering partial owner financing!!! Rare opportunity to own a high and dry 5-acre homesite in the highly sought-after rural community of Geneva! Positioned entirely within Flood Zone X on a paved road, this pristine, untouched parcel offers fully usable land and total peace of mind. It is the ultimate blank canvas to design your ideal lifestyle, whether that means a custom luxury estate, a private homestead with room for animals, or a peaceful weekend retreat. The property features electric available right at the street and a septic system that was installed in 1980 but has never been used (well will be needed). Zoned for top-rated, A-ranked Seminole County schools, this location perfectly balances secluded country living with modern convenience. Enjoy easy access to nearby horse trails, hiking, boating, and fishing, while staying just a short drive from shopping and dining in Oviedo and Sanford, SR-417, and the Orlando-Sanford International Airport. Large, fully buildable acreage in this coveted area rarely comes to market. Bring your builder and your imagination to create the serene, room-to-roam lifestyle you have always envisioned!

The essentials

On market
225 days
Annual tax
$1,459
Flood zone
X · Low risk
Lot
217,800 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$2,122/mo
Down payment (20%)
$69,980
Property taxes
$122/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
217,800 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
225
Elementary
Geneva Elementary
Middle
Chiles Middle
High
Oviedo High

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

Flood Zone X
Annual Tax (2024)
$1,459
Parcel #
10-20-32-3AE-0280-0000

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
Lake Harney Estates 5 Acre Dev 256 Parcels
County
Seminole
MLS Area
32732 - Geneva
Lot Size
217,800 sqft
BuildableIn CountyPastureRuralPavedUnincorporatedWoodedZoned for Horses

Price history

Date
Event
Price
7/14/2026
Price change
Source: Stellar MLS #O6388611
$349,900-12.5%
-
Price change
Source: Stellar MLS #O6388611
$399,900-5.9%
3/6/2026
Listed for sale
Source: Stellar MLS #O6388611
$425,000

Neighborhood

541 E Osceola Rd
Geneva, FL, 32732 · 32732 - Geneva

Calculator

Est. monthly payment
$2,121/mo
Principal & interest$1,825
Property taxes$122
Insurance$175
Down payment20% · $69,980
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%. 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

$349,900

Time on market

225 days

Monthly payment

About $2,122/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,459 annual tax bill, insurance.

Flood zone

Zone X

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

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Tina ScottListing data from Stellar MLS, MLS# O6388611.

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