12640 Somerset Oaks St, photo 1
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Overview

3 bd3 ba1,483 sqft1 car garageTownhouse
TypeTownhouse
HOA$775/qtr
Built2004
Lot1,700 sqft
Living area1,483 sqft
Price / sqft$219
Garage1 car

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About this home

Ceiling Fans(s)IN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboSplit BedroomWalk-in Closet(s)Basketball CourtSidewalk

12640 Somerset Oaks St is a 2004-built home in Waterford Villas 51 103, Orlando. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,483 square feet of living space. Listed at $325,000 (about $219/sqft), 89 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $775 quarterly.

From the listing

Ideally located in the gated community of Waterford Villas, this freshly painted 3-bedroom, 2.5-bath townhome offers the perfect combination of comfort, convenience, and low-maintenance living. Just minutes from Waterford Lakes Town Center, you'll enjoy an abundance of shopping, restaurants, entertainment, and Regal Cinemas, along with convenient access to UCF, Research Park, SR 408, and SR 417. Step inside to a bright and inviting floor plan featuring ceramic tile throughout the entire first floor, creating a clean, low-maintenance living space. The fully equipped kitchen offers plenty of cabinet and counter space and opens to the living and dining areas, making it perfect for entertaining or simply enjoying time with family and friends. Sliding glass doors lead to a private patio, providing the perfect spot to enjoy your morning coffee, unwind after a long day, or create your own outdoor retreat. Upstairs, you'll find all three bedrooms offering privacy from the main living areas. The spacious primary suite features a walk-in closet and private bath, while the second-floor laundry closet comes complete with a washer and dryer, making laundry day easier and more convenient. Both full bathrooms have been recently updated with new waterproof laminate plank flooring, and the stairs and bedrooms are comfortably carpeted. Additional features include an attached one-car garage for secure parking and extra storage. Residents of Waterford Villas enjoy a low-maintenance lifestyle with amenities that include a community pool, playground, half basketball court, guest parking, and gated entry. The HOA also maintains the exterior of the buildings and the grounds, allowing you more time to enjoy everything this exceptional East Orlando location has to offer.

The essentials

Built
2004
Price / sqft
$219
On market
91 days
Annual tax
$4,431
HOA
$775/qtr
Flood zone
X · Low risk
Lot
1,700 sqft
Type
Townhouse

At a glance

Townhouse
Built 2004
Community pool
Shared amenity
1 car garage
Guest
1,700 sqft lot
Lot size
1,483 sqft
Living area

Payment

Est. monthly payment
$2,485/mo
Down payment (20%)
$65,000
Property taxes
$369/mo
HOA
$775/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2004
Lot
1,700 sqft
Cooling
Central Air
Heating
Central
Parking
Guest
Days on Market
91
Ceiling Fans(s)
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Split Bedroom
Walk-in Closet(s)
Basketball Court
Sidewalk
Community Mailbox
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Castle Creek Elem
Middle
Legacy Middle
High
East River High

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

Flood Zone X
Annual Tax (2025)
$4,431
Parcel #
22-22-31-9112-01-590

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
Waterford Villas 51 103
County
Orange
MLS Area
32828 - Orlando/Alafaya/Waterford Lakes
Lot Size
1,700 sqft
HOA
$775/qtr
Ellen Crouser

Price history

Date
Event
Price
7/10/2026
Listed for sale
Source: Stellar MLS #O6423528
$325,000
$219/sqft

Neighborhood

12640 Somerset Oaks St
Orlando, FL, 32828 · 32828 - Orlando/Alafaya/Waterford Lakes

Market insights

Offer Insights

Choose an offer strength

List price: $325,000
$322,500 – $325,000
99.5% – 100% of listTops out right at the list price
80% of listList price
48 of the last 77 townhouse or villa closings in 32828 landed at this number or higher (62%). The median one sat 26 days before it went under contract, and this one is on day 91.

Sample: 77 closed townhouse or villa sales in 32828 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,485/mo
Principal & interest$1,695
Property taxes$369
Insurance$163
HOA$258
Down payment20% · $65,000
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 is the fee 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

$325,000

$219 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,483 sq ft

Time on market

91 days

Year built

2004

Monthly payment

About $2,485/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,431 annual tax bill, insurance, and the $775/qtr HOA fee.

HOA fee

$775/qtr

Managed by Ellen Crouser.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byWATSON REALTY CORPListing agent: Christine DavidListing data from Stellar MLS, MLS# O6423528.

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