823 Carrigan Ave, photo 1
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Overview

4 bd3 ba2,318 sqft2 car garageSingle Family
TypeSingle Family
HOA$285/yr
Built1990
Lot12,409 sqft
Living area2,318 sqft
Price / sqft$222
Garage2 car

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

About this home

Eat-in KitchenKitchen/Family Room ComboSplit BedroomWalk-in Closet(s)DishwasherDryerElectric Water HeaterMicrowave

823 Carrigan Ave is a 1990-built home in Stillwater Ph 2a, Oviedo. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,318 square feet of living space. Listed at $515,000 (about $222/sqft), 13 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $285 annually.

From the listing

Virtually Staged. Priced to Sell—and this one has a lot going for it! Don’t snooze on this uniquely situated 4-bedroom, 3-bath pool home in Oviedo’s Stillwater community. Sitting on a ¼-acre lot, this property feels more like ½ an acre thanks to the open side lot, community conservation area, and beautiful pond views. It’s the kind of setting that gives you extra breathing room without the extra maintenance! Even better? The big-ticket items have already been handled. Within the last three years, updates include the roof, A/C, water heater, replumbing, and pool equipment. Now it’s ready for your personal cosmetic touches to make it your own. Inside, you’ll find an open, split-bedroom floor plan with both formal living and family rooms, plus a cozy fireplace. The separate dining room can easily become a home office, playroom, gym, or whatever flex space fits your lifestyle. Outside, your private pool and peaceful pond views create the perfect backdrop for morning coffee, weekend entertaining, or unwinding at the end of the day. With a low annual HOA, plenty of space, major systems already updated, and a fantastic Oviedo location, this home offers tons of potential as a primary residence or investment property. Bring your vision, add your style, and make this Stillwater home your own!

The essentials

Built
1990
Price / sqft
$222
On market
13 days
Annual tax
$5,756
HOA
$285/yr
Flood zone
X · Low risk
Lot
12,409 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Waterfront
Pond
Private pool
Gunite
2 car garage
0.28 acres
Lot size

Payment

Est. monthly payment
$3,447/mo
Down payment (20%)
$103,000
Property taxes
$480/mo
HOA
$285/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
12,409 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Gunite, In Ground
Waterfront
Pond
Days on Market
13
Eat-in Kitchen
Kitchen/Family Room Combo
Split Bedroom
Walk-in Closet(s)
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$5,756
Parcel #
27-21-31-510-0000-0080

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
Stillwater Ph 2a
County
Seminole
MLS Area
32765 - Oviedo
Lot Size
12,409 sqft
HOA
$285/yr
Horizon Place

Price history

Date
Event
Price
9/27/2026
Listed for sale
Source: Stellar MLS #O6445308
$515,000
$222/sqft

Neighborhood

823 Carrigan Ave
Oviedo, FL, 32765 · 32765 - Oviedo

Market insights

Offer Insights

Choose an offer strength

List price: $515,000
$510,000 – $515,000
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 13.

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
$3,447/mo
Principal & interest$2,686
Property taxes$480
Insurance$258
HOA$24
Down payment20% · $103,000
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

$515,000

$222 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,318 sq ft

Time on market

13 days

Year built

1990

Monthly payment

About $3,447/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,756 annual tax bill, insurance, and the $285/yr HOA fee.

HOA fee

$285/yr

Managed by Horizon Place.

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 byYOU HAVE REALTY LLCListing agent: Viv LehmanListing data from Stellar MLS, MLS# O6445308.

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