1104 NEEDLEWOOD LOOP, OVIEDO, FL, 32765
Active42 days on marketListed Jun 12, 2026MLS #O6413440
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Sun, Jul 26
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About this home
1104 NEEDLEWOOD LOOP
Welcome to Oviedo and Tuska Ridge, a beautifully maintained ONE-STORY home in this highly sought-after location. Be sure to view the immersive walk-through video tour! Open floorplan with High Ceilings this home is designed for both comfortable everyday living and effortless entertaining. Why wait to build on a tiny lot when you can have this exceptional residence that offers 4 spacious bedrooms, 3 full bathrooms, and a versatile flex room that can easily function as a home office, nursery, craft room, or even a 5th bedroom thanks to its built-in Murphy bed. Whether you're accommodating a growing family, multi-generational living, or simply need flexible space, this home adapts to your lifestyle. Step outside and discover your own private Florida retreat. Relax in the screen-enclosed pool while enjoying peaceful conservation and pond views with no rear neighbors. Whether you're taking an evening swim, enjoying your morning coffee, or enjoy unwinding with a good book, in the fall of course, this backyard offers the perfect blend of privacy and tranquility. You're not just buying a home—you're embracing the Florida lifestyle. The thoughtfully designed three-way split floor plan provides privacy for everyone. At the heart of the home, the spacious family room flows seamlessly into the open-concept kitchen and breakfast nook, featuring granite countertops, abundant cabinetry, a generous pantry, and picturesque views of the pool and backyard. Volume ceilings, formal living and dining rooms, and expansive indoor and outdoor gathering spaces make entertaining family and friends both easy and enjoyable. Additional updates include a brand-new A/C (December 2025) and a 2019 roof, providing valuable peace of mind for years to come. A standout feature is the private rear bedroom with its own pool bath and separate exterior entrance, making it an ideal guest suite, in-law retreat, private space for a college student, home office, or independent living area for an older teenager or college student. Car enthusiasts and families alike will appreciate the oversized three-car garage and extended driveway with parking for up to six vehicles. Located within the top-rated Seminole County School District, this home offers quick access to SR 417, providing convenient commutes to Downtown Orlando, major employers, Orlando International Airport, world-famous attractions, and Florida's beautiful beaches. Shopping, dining, parks, and all the amenities that make award-winning Oviedo one of Central Florida's most desirable communities are just minutes away. With low HOA fees, no CDD, exceptional flexibility, scenic views, and an unbeatable location, with some new interior paint and some simple updates, this home is truly a rare opportunity. Incredible value because you could never build a home anything like this today. Schedule your private showing today and experience everything this remarkable home has to offer!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,865
Sqft
0.25 ac
Lot size
3
Garage
1993
Year built
One
Levels
$234
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,392 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,392/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.5%
$/sqft vs Oviedo actives
$234 vs $251
Days on market
42 vs 25 typical
Where $234/sqft sits among the 204 Oviedo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Oviedo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oviedo. See the full Oviedo guide →
OVIEDO 32765 — neighborhood snapshot
Population
63,646
Median age
35.5
Median income
$99,161
Median home value
$418,600
Avg household
2.82
Households w/ children
8,093
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oviedo market
$539K → $580K
Oviedo median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
112 of 204
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1104 NEEDLEWOOD LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$650,000
1098 NEEDLEWOOD LOOP · same community
4 bd · 3 ba · 2,720 sqft · $239/sqft · 2 DOM
Sold · Jul ’26$712,500
1212 NEEDLEWOOD LOOP · same community
5 bd · 3 ba · 3,251 sqft · $219/sqft · 129 DOM
Sold · Jun ’26$812,420
1151 NEEDLEWOOD LOOP · same community
5 bd · 3 ba · 3,646 sqft · $223/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 1104 NEEDLEWOOD LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1104 NEEDLEWOOD LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1104 NEEDLEWOOD LOOP FAQs
What would the monthly payment be for 1104 NEEDLEWOOD LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,392/mo — principal and interest, the actual property-tax bill, the $40/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1104 NEEDLEWOOD LOOP?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1104 NEEDLEWOOD LOOP?+
The most recent tax bill on record (2025) was $3,900. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1104 NEEDLEWOOD LOOP?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Oviedo?+
At $670,000, this home is listed about 28% above the Oviedo median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1104 NEEDLEWOOD LOOP?+
Carillon Elementary School (elementary), Hagerty High School (high), Jackson Heights Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$670,000 runs 44% above the OVIEDO 32765 median — but at 2,865 sqft it's also 38% larger than the typical Oviedo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Carillon Elementary School, Hagerty High School, Jackson Heights Middle School — Carillon Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $699,900, now $670,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Laurie Cain. MLS #O6413440.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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