1093 Kelly Creek Cir, photo 1
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Overview

3 bd3 ba2,170 sqft2 car garageSingle Family
TypeSingle Family
HOA$179.46/yr
Built1989
Lot13,361 sqft
Living area2,170 sqft
Price / sqft$233
Garage2 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsVaulted Ceiling(s)

1093 Kelly Creek Cir is a 1989-built home in Twin Rivers Sec 3a, Oviedo. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,170 square feet of living space. Listed at $505,000 (about $233/sqft), 14 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $179.46 annually.

From the listing

Welcome to this beautifully maintained 3-bedroom, 3-bath, two-story home located in Twin Rivers, one of Oviedo’s most established and sought-after communities! Situated on an oversized .31-acre lot, this move-in-ready home offers a wonderful combination of comfort, thoughtful updates, versatile living space, and a peaceful backyard setting. Step outside and enjoy your own private retreat overlooking a beautiful river-fed pond. Take a relaxing walk around the backyard, sit and unwind by the water, enjoy your morning coffee, or simply take in the peaceful views. Inside, fresh interior paint creates a bright, clean, and contemporary feel. Both full bathrooms upstairs have been tastefully renovated with updated fixtures and finishes, including bidets for added comfort and convenience. Additional features and recent improvements include: Newer A/C system installed March 2025, New Amana range, offering added peace of mind and energy efficiency. Oversized 16' x 14' shed/workshop, providing plenty of space for tools, equipment, hobbies, or additional storage while helping keep the garage organized and clutter-free. Recently refinished garage floor with an epoxy coating, creating a clean and polished appearance. Spacious 30' x 11' sunroom, approximately 330 square feet, equipped with a brand-new A/C and heating unit. This flexible space can be enjoyed year-round as a home office, gym, hobby room, entertaining area, or seasonal retreat, all while enjoying beautiful views of the pond. Conveniently located near UCF, Seminole State College, highly rated schools, shopping, dining, and major roadways, this home offers an ideal combination of lifestyle, location, and flexibility. Don't miss the opportunity to own a beautifully updated home on nearly one-third of an acre in a prime Oviedo location, complete with tranquil water views, abundant storage, and versatile living spaces. Welcome home to Twin Rivers!

The essentials

Built
1989
Price / sqft
$233
On market
14 days
Annual tax
$4,925
HOA
$179.46/yr
Flood zone
X* · Low risk
Lot
13,361 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Water views
Park/Greenbelt
2 car garage
Driveway
0.31 acres
Lot size
2,170 sqft
Living area

Payment

Est. monthly payment
$3,312/mo
Down payment (20%)
$101,000
Property taxes
$410/mo
HOA
$179.46/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
13,361 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central, Electric, Heat Pump, Other, Ductless
Parking
Driveway
Days on Market
14
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Vaulted Ceiling(s)
Walk-in Closet(s)
Deed Restrictions
Street Lights
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Elementary
Carillon Elementary
Middle
Chiles Middle
High
Hagerty 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)
$4,925
Parcel #
24-21-31-5KF-0000-0370

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
Twin Rivers Sec 3a
County
Seminole
MLS Area
32765 - Oviedo
Lot Size
13,361 sqft
Conservation AreaGreenbeltOversized LotSidewalkPaved
HOA
$179.46/yr
TWIN RIVERS

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #O6444117
$505,000-2.7%
$233/sqft
9/28/2026
Listed for sale
Source: Stellar MLS #O6444117
$519,000
$239/sqft

Neighborhood

1093 Kelly Creek Cir
Oviedo, FL, 32765 · 32765 - Oviedo

Market insights

Offer Insights

Choose an offer strength

List price: $505,000
$500,000 – $505,000
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 14 after a $14,000 cut.

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
$3,312/mo
Principal & interest$2,634
Property taxes$410
Insurance$253
HOA$15
Down payment20% · $101,000
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

$505,000

$233 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,170 sq ft

Time on market

14 days

Year built

1989

Monthly payment

About $3,312/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,925 annual tax bill, insurance, and the $179.46/yr HOA fee.

HOA fee

$179.46/yr

Managed by TWIN RIVERS.

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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Brokered bySAND DOLLAR REALTY GROUP INCListing agent: Robert Arnold, JrListing data from Stellar MLS, MLS# O6444117.

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