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Overview

4 bd3 ba2,255 sqft2 car garageSingle Family
TypeSingle Family
HOA$424/qtr
Built2024
Lot7,151 sqft
Living area2,255 sqft
Price / sqft$271
Garage2 car

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About this home

IN Wall Pest SystemOpen FloorplanSolid Surface CountersThermostatTray Ceiling(s)Walk-in Closet(s)SidewalkSliding Doors

3607 Arbordale Loop is a 2024-built home in Riverside Oaks, Sanford. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,255 square feet of living space. Listed at $610,000 (about $271/sqft), 80 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $424 quarterly.

From the listing

Price drop, less expensive than new and with more upgrades ! Welcome to this beautifully designed home in the gated community of Riverside Oaks, offering 4 bedrooms, 3 full baths with a spacious open-concept floor plan. The well-appointed kitchen is the heart of the home, featuring a large center island with breakfast bar, abundant cabinetry accented with crown molding, generous counter space, and a sizable organized walk-in pantry. The kitchen opens seamlessly to the bright casual dining and living areas, creating an ideal space for everyday living and entertaining. This home features plenty of built-in storage areas that is unique to this particular property. The spacious primary suite features a large walk-in closet and beautifully appointed bath with granite countertops, dual sinks, an oversized walk-in shower, freestanding soaking tub, and private water closet. Three additional bedrooms have generous closet space, including one with its own private en-suite bath. Additional upgrades throughout the home include upgraded baseboards, blinds throughout, granite countertops in the bathrooms, whole-house gutters, a SMART irrigation controller, sealed front pavers, and an EV charging outlet in the garage. Riverside Oaks offers exceptional community amenities including a pool, cabana, playground, and private boat ramp providing direct access to the St. Johns River waterways and Lake Monroe. Enjoy boating, recreation, and the Florida lifestyle while coming home to the privacy of a gated community.

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The essentials

Built
2024
Price / sqft
$271
On market
80 days
Annual tax
$5,583
HOA
$424/qtr
Flood zone
X · Low risk
Lot
7,151 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Community pool
Shared amenity
2 car garage
7,151 sqft lot
Lot size
2,255 sqft
Living area

Payment

Est. monthly payment
$4,093/mo
Down payment (20%)
$122,000
Property taxes
$465/mo
HOA
$424/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
7,151 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
80
IN Wall Pest System
Open Floorplan
Solid Surface Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Sidewalk
Sliding Doors
Sprinkler Metered
Community Mailbox
Deed Restrictions
Gated Community - No Guard
Pool
Sidewalks
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Elementary
Midway Elementary
Middle
Millennium Middle
High
Seminole High

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

Flood Zone x
Annual Tax (2025)
$5,583
Parcel #
28-19-31-502-0000-0730

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
Riverside Oaks
County
Seminole
MLS Area
32771 - Sanford/Lake Forest
Lot Size
7,151 sqft
Cleared
HOA
$424/qtr
May Management/Geeta Chowbay

Price history

Date
Event
Price
8/20/2026
Price change
Source: Stellar MLS #S5154218
$610,000-1.5%
$271/sqft
7/22/2026
Listed for sale
Source: Stellar MLS #S5154218
$619,000
$275/sqft

Neighborhood

3607 Arbordale Loop
Sanford, FL, 32771 · 32771 - Sanford/Lake Forest

Market insights

Offer Insights

Choose an offer strength

List price: $610,000
$605,000 – $610,000
99.5% – 100% of listTops out right at the list price
80% of listList price
157 of the last 286 home closings in 32771 landed at this number or higher (55%). The median one sat 37 days before it went under contract, and this one is on day 80 after a $9,000 cut.

Sample: 286 closed home sales in 32771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,093/mo
Principal & interest$3,181
Property taxes$465
Insurance$305
HOA$141
Down payment20% · $122,000
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

$610,000

$271 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,255 sq ft

Time on market

80 days

Year built

2024

Monthly payment

About $4,093/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,583 annual tax bill, insurance, and the $424/qtr HOA fee.

HOA fee

$424/qtr

Managed by May Management/Geeta Chowbay.

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 byFLORIDA IN MOTION REALTY INCListing agent: Pam Bradshaw CoskeyListing data from Stellar MLS, MLS# S5154218.

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