Eric Chery
$628,000$635,0004 bd3 ba3,123 sqft$201 /sqft$4,533 /mo all-in ↓

3392 BLUFF OAK LANE, SANFORD, FL, 32771

Active107 days on marketListed Apr 16, 2026MLS #O6399508

Reduced $7KSingle Family ResidenceRIVERSIDE OAKS

About this home

3392 BLUFF OAK LANE

Welcome to this spacious Riverside Oaks luxury home on a pond, with custom elements designed to present a contemporary farmhouse sensibility. The covered entry portal leads into a better-than-new Toll Brothers home, with upgrades selected to compliment this unique premium lot. Visitors enter an expansive foyer with a secluded, main-floor bedroom and full bath. You may decide if occupants will be visitors, in-laws, or resident elders. Perhaps a second office? Proceeding ahead your attention will be drawn through the triple-stacked 8’ tall sliding glass doors to the sparkling pond. The entry hall and first floor are clad in an upgraded, richly stained, engineered hardwood with upgraded tall baseboards. The open concept public space is equally conducive to family engagement or special gatherings. Our gourmet kitchen features Toll Brothers upgraded white shaker cabinetry with crown molding, gold hardware, upgraded quartz countertops, upgraded backsplash, reverse osmosis system for drinking water and an expanded island with storage front and back. A walk-in pantry enhances the function of this cook’s kitchen. A convenient drop zone leads to the garage. Returning to the kitchen, observe the lighting throughout the first floor added to complement the décor. Adjacent to the kitchen, is a large office accommodating the home based professional. Double glass doors create quiet for conference calls as well as allowing the telecommuter a visual of the pond beyond the doors. Enjoy morning coffee from a vantage point on your covered lanai with a front row seat for glorious sunrises, sunsets and abundant wildlife. Entertain in the shaded afternoon, grilling for family and guests. Return inside and ascend the open staircase to a large family/bonus room. Luxury vinyl planking has replaced carpeting throughout the second floor. The owner’s suite, laundry, central full bath and two bedrooms radiate from the second floor family room. The primary bedroom and bath offer quiet respite with beautiful, upgraded tile and two walk-in closets. From a utilitarian perspective, the massive 3-car tandem garage includes an electric car charging station and professionally applied polyaspartic floor coating. A whole house Eccowater system, Ring doorbell, custom lighting, window coverings, barstools and washer/dryer are included in a turnkey experience for the new owner. The location of this home is unparalleled in Seminole County. The Riverside Oaks community is one of Toll Brothers newest gated communities backing to the St. Johns riverway where it meets the Southern shore of Lake Monroe, offering private access. Fall will announce the conclusion of new construction in Riverside Oaks. Take this last opportunity to own the most spacious plan constructed in the original phase…the grand Ferncroft! Community amenities include a beautiful pool and cabana pondside. The beach is 30 minutes away and nearby State Road 417 and I 4 provide freeway access to Central Florida and beyond. Thank you for your visit!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,123

Sqft

0.13 ac

Lot size

3

Garage

2022

Year built

Two

Levels

$201

Per sqft

Water viewPets allowed

Inside

FlooringEngineered Hardwood · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorIn Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$141/mo
Taxes (2025)$7,295/yr
PetsYes
CommunityCommunity Boat Ramp · Clubhouse · Community Mailbox · Gated Community - No Guard · Irrigation-Reclaimed Water · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

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.

$4,533 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,389
PMI (est., until 20% equity)$236
Property tax — 2025 actual bill$608
HOA fee — from the listing$141
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $62,800
Interest rate6.00%
Loan term

Estimated payment

$4,533/mo

Principal & interest$3,389
PMI (est., until 20% equity)$236
Property taxes (actual bill)$608
HOA / condo fee$141
Est. insurance$160

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.

List $628K
$446KedgeAI estimate $601,675 · range $464K$686K$713K

vs edgeAI estimate

+4.4%

$/sqft vs Sanford actives

$201 vs $217

Days on market

107 vs 29 typical

Where $201/sqft sits among the 393 Sanford actives

67
95 · this home
91
64
44
32
$153–180$180–207$207–234$234–262$262–289$289+

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 Sanford

Map of 3392 BLUFF OAK LANE

Drive times from this address

Downtown Orlando37 min
Orlando Int’l Airport (MCO)46 min
Universal Orlando50 min
Walt Disney World63 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sanford. See the full Sanford guide →

SANFORD 32771 — neighborhood snapshot

Population

59,708

Median age

38.7

Median income

$74,520

Median home value

$332,500

Avg household

2.66

Households w/ children

7,359

For the school run

Seminole County School District

ElementaryGoldsboro Elementary Magnet★★★★
ElementaryIdyllwilde Elementary School★★★★★
ElementaryBentley Elementary School★★★★★
HighSeminole High School★★★★★
ElementaryWilson Elementary School★★★★
MiddleMarkham Woods Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sanford market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$354K$383K

Sanford median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

206 of 393

Sanford actives have cut their price

Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 80% above the SANFORD 32771 median. See the full Sanford market guide →

Paper trail

This home's history

CurrentPrice reduced to $628,000 $7K
Apr 16, 2026Listed at $635,000 · 107 days on market since
2022Built · RIVERSIDE OAKS

Reality check

What actually sold near 3392 BLUFF OAK LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3548 MCLAIN PRESERVE POINTSold · Apr ’26

$725,000

3548 MCLAIN PRESERVE POINT · same community

3 bd · 3.5 ba · 3,250 sqft · $223/sqft · 45 DOM

1047 GLORYLAND COURTSold · Dec ’25

$729,000

1047 GLORYLAND COURT · same community

5 bd · 4 ba · 3,277 sqft · $222/sqft · 36 DOM

1059 GLORYLAND COURTSold · Aug ’25

$759,000

1059 GLORYLAND COURT · same community

4 bd · 4 ba · 3,296 sqft · $230/sqft · 50 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3392 BLUFF OAK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3392 BLUFF OAK LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

3392 BLUFF OAK LANE FAQs

What would the monthly payment be for 3392 BLUFF OAK LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,533/mo — principal and interest, the actual property-tax bill, the $141/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 3392 BLUFF OAK LANE?+

The association fee works out to $141 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3392 BLUFF OAK LANE?+

The most recent tax bill on record (2025) was $7,295. 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 3392 BLUFF OAK LANE?+

The listing reports pets: Yes. 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 Sanford?+

At $628,000, this home is listed about 72% above the Sanford median of $365,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3392 BLUFF OAK LANE?+

Goldsboro Elementary Magnet (elementary), Idyllwilde Elementary School (elementary), Bentley Elementary School (elementary), Seminole High School (high), Wilson Elementary School (elementary), Markham Woods Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$628,000 runs 80% above the SANFORD 32771 median — but at 3,123 sqft it's also nearly twice the size of the typical Sanford listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

107 days on market against a Sanford median of 29 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Goldsboro Elementary Magnet, Idyllwilde Elementary School, Bentley Elementary School, Seminole High School, Wilson Elementary School, Markham Woods Middle School — Goldsboro Elementary Magnet rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $635,000, now $628,000 — a $7K cut. The full history is in the market section below.

Listing courtesy of COPPEROOSTER · Candice Southwick. MLS #O6399508.

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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