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Overview

4 bd2 ba1,922 sqft2 car garageSingle Family
TypeSingle Family
HOA$362.5/yr
Built1996
Lot7,959 sqft
Living area1,922 sqft
Price / sqft$252
Garage2 car

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About this home

Kitchen/Family Room ComboLiving Room/Dining Room ComboPrivate MailboxDishwasherElectric Water HeaterMicrowaveRangeRefrigerator

640 Lance CT is a 1996-built home in Villages At Kingsbridge West Tr C-2, Oviedo. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,922 square feet of living space. Listed at $485,000 (about $252/sqft), 26 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $362.5 semi-annually.

From the listing

Welcome to 640 Lance Court in Oviedo! Located in a highly sought-after area, this four-bedroom, two-bath home sits on a quiet cul-de-sac and offers a functional layout, abundant natural light, and a fully fenced backyard with a covered, screened-in patio—perfect for relaxing or entertaining. Kingsbridge is an established, tree-lined streets subdivision. Inside, the welcoming entry opens to a formal living and dining area that can easily serve as a flexible space for a home office, playroom, or additional living area. The kitchen overlooks the dinette and family room, creating an open-concept gathering space ideal for everyday living and entertaining. The kitchen features stainless steel appliances, a center island, and plenty of natural light.The spacious primary suite offers a private retreat with an en-suite bath featuring dual sinks, a separate tub and shower, and a walk-in closet. Bedrooms two and three are located down a separate hallway, offering privacy for family or guests. The fourth bedroom is currently being used as an office and features double doors from the primary suite. The room can easily be returned to a traditional bedroom configuration as it also has a separate doorway from the hallway shared with bedrooms two and three, providing flexibility to suit your needs. The second full bath is conveniently located off this hallway and is easily accessible to both the secondary bedrooms and guests. Outside, the fully fenced backyard and screened-in covered patio provide an inviting extension of the living space and plenty of room to enjoy Florida's beautiful weather. The location is hard to beat, with convenient access to 417 and a quick commute to the University of Central Florida, Siemens, Lockheed Martin, restaurants, shopping, and Oviedo on the Park. The community features a tennis court, a playground, as well as a dock where residents can fish! Zoned for highly regarded schools and close to the amenities that make Oviedo so desirable, 640 Lance Court offers the space, flexibility, and location you've been looking for. (Roof 2017, HVAC 2018, HWH 2026)

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The essentials

Built
1996
Price / sqft
$252
On market
26 days
Annual tax
$2,903
HOA
$362.5/yr
Flood zone
X · Low risk
Lot
7,959 sqft
Type
Single Family Residence

At a glance

Single family
Built 1996
2 car garage
Garage Door Opener
7,959 sqft lot
Lot size
1,922 sqft
Living area

Payment

Est. monthly payment
$3,043/mo
Down payment (20%)
$97,000
Property taxes
$242/mo
HOA
$362.5/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1996
Lot
7,959 sqft
Cooling
Central Air
Heating
Electric
Parking
Garage Door Opener
Days on Market
26
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Private Mailbox
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
Stenstrom Elementary
Middle
Jackson Heights Middle
High
Oviedo High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,903
Parcel #
15-21-31-521-0000-3920

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
Villages At Kingsbridge West Tr C-2
County
Seminole
MLS Area
32765 - Oviedo
Lot Size
7,959 sqft
Cul-De-SacSidewalkPaved
HOA
$362.5/yr
Sentry Management Inc / David Pugh

Price history

Date
Event
Price
9/18/2026
Listed for sale
Source: Stellar MLS #O6441429
$485,000
$252/sqft

Neighborhood

640 Lance CT
Oviedo, FL, 32765 · 32765 - Oviedo

Market insights

Offer Insights

Choose an offer strength

List price: $485,000
$480,000 – $485,000
99.1% – 100% of listTops out right at the list price
80% of listList price
137 of the last 272 home closings in 32765 landed at this number or higher (50%). The median one sat 22 days before it went under contract, and this one is on day 26.

Sample: 272 closed home sales in 32765 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,044/mo
Principal & interest$2,529
Property taxes$242
Insurance$243
HOA$30
Down payment20% · $97,000
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 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

$485,000

$252 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,922 sq ft

Time on market

26 days

Year built

1996

Monthly payment

About $3,043/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,903 annual tax bill, insurance, and the $362.5/yr HOA fee.

HOA fee

$362.5/yr

Managed by Sentry Management Inc / David Pugh.

Flood zone

Zone X

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

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Brokered byBHHS FLORIDA REALTYListing agent: Dana LaingListing data from Stellar MLS, MLS# O6441429.

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