See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3393 Bluff Oak Ln, Sanford, FL, 32771

3beds
2baths
2,226sqft
$529,990
$238price/sqft
$3,913/moest. monthly cost
$156,520/yrincome needed

About This Home

Find your perfect sanctuary at 3393 Bluff Oak Lane! This exquisitely enhanced Toll Brothers Wilmot Farmhouse model stands as a testament to quality construction, built in 2022 with 2,226 square feet of thoughtfully designed living space. Nestled within the prestigious gated Riverside Oaks community in Sanford, this remarkable property provides exclusive access to Lake Monroe and the St. Johns River. This exceptional 3-bedroom, 2-bathroom residence features a versatile flex room and spacious 3-car garage, masterfully combining contemporary convenience with family-focused functionality through its open-concept layout. The welcoming covered entrance and foyer corridor seamlessly flow into expansive main living areas that immediately embrace you with warmth and sophistication. The expertly designed kitchen showcases a generous center island with breakfast bar seating, abundant counter space, ample cabinetry, and a walk-in pantry featuring custom-designed shelving. The great room flows effortlessly toward bright sliding glass doors that lead to a screened patio with extended pavers and a fully fenced backyard— perfect for entertaining friends and family. The elegant primary bedroom suite boasts a large walk-in closet with custom-built storage, a spa-inspired bathroom featuring dual vanities with dressing space, a glass-enclosed shower, and a private water closet. Two additional bedrooms offer generous closet space with convenient access to a full hallway bath. Additional highlights include a flex room perfect for office use or guests, a custom-built entertainment bar, designated drop zone area with built-in cabinetry, and a centrally positioned laundry room with built-in storage. Riverside Oaks residents enjoy exclusive resort-style amenities featuring gated security entrance, community pool, dedicated dog park, children's playground, and exclusive boat ramp providing direct access to Lake Monroe and the St. Johns River. This prime location puts you close to Historic Downtown Sanford, Sanford International Airport, waterfront restaurants, picturesque walking trails, unique shopping venues, recreational parks, and main highways leading to world-renowned attractions and coastal destinations. This property delivers an unparalleled luxury lifestyle within one of Central Florida's most coveted private communities! For those seeking a contemporary, move-in ready residence, your search ends here. Seize this extraordinary opportunity—arrange your personal viewing today and witness this magnificent home for yourself! The property includes a transferable termite protection plan and may feature audio/visual monitoring systems. **Seller is offering a lender-paid temporary rate buydown through a participating lender, which may reduce buyer’s initial interest rate and monthly payment, subject to buyer qualification and lender terms. Buyer is not required to use the participating lender. Contact listing agent for details.**

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
26
BikeSomewhat Bikeable

Schools

3/10
Midway Elementary SchoolGrades PK-51.4 mi
3/10
Millennium Middle SchoolGrades 6-85.5 mi
5/10
Seminole High SchoolGrades PK,9-123.9 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco,Wood Frame

Other

  • Builder model: Wilmot Farmhouse
  • Builder name: Toll Brothers

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Inside

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First
  • Area: 171
  • Dimensions: 19x9

Dining Room

  • Level: First
  • Area: 228
  • Dimensions: 19x12

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,In Wall Pest System,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Low Emissivity Windows,Window Treatments
  • Flooring: Carpet,Ceramic Tile

Great Room

  • Level: First
  • Area: 266
  • Dimensions: 19x14

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,033
  • Total interior livable area: 2,226 sqft

Kitchen

  • Features: Granite Counters
  • Level: First
  • Area: 154
  • Dimensions: 14x11

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 252
  • Dimensions: 18x14

Property

Details

  • Parcel number: 28193150100000530
  • Zoning: SFR
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Rear Porch
  • Exterior features: Irrigation System,Sidewalk,Sprinkler Metered
  • Waterfront features: Canal Front,Freshwater Canal Access,Boat Ramp - Private,Fishing Pier
  • Residential vegetation: Oak Trees,Trees/Landscaped

Lot

  • Lot size: 6,000 sqft
  • Features: In County,Sidewalk
  • Lot size dimensions: 50 x 120

Parking

  • Total spaces: 3
  • Parking features: Driveway,Garage Door Opener,Tandem
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters in Seminole County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,679$32,148
Home Insurance *$372$4,464
Property Taxes $638$7,656
Electricity $224$2,688
Total$3,913$46,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,160/yr
40% on housing$117,390/yr
45% on housing$104,346/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 32771$192
Seminole County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 32771$220
Seminole County$241

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-11Listed for sale$589,990
2022-04-25Sold$528,995
2022-03-03Pending sale$548,995
2022-02-28Price change$548,995
2022-01-23Price change$528,995
2022-01-08Price change$518,995
2022-01-01Price change$513,995
2021-12-22Price change$503,995
2021-12-18Price change$497,995
2021-11-21Price change$487,995
2021-08-25Price change$475,995
2021-08-09Price change$473,995
2021-06-25Price change$487,995
2021-05-26Price change$497,995
2021-05-22Price change$482,995
2021-05-12Price change$476,995
2021-04-29Price change$471,995
2021-04-19Price change$461,995
2021-04-17Price change$454,995
2021-04-10Price change$448,995
2021-04-03Price change$436,995
2021-03-15Listed for sale$429,995
2021-01-14Listing removed--
2021-01-10Listed for sale$364,995

For Sale by Agent

AgentRuby Margaret
BrokerageCHARLES RUTENBERG REALTY ORLANDO

Similar Homes