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898 Carolina Palm Ln #904, Oviedo, FL, 32765

3beds
2baths
0sqft
$90,900
--price/sqft
$761/moest. monthly cost
$30,440/yrincome needed

About This Home

Charming 3-Bedroom Home in Palm Valley 55+ Community - Oviedo, FL Welcome to Palm Valley, one of Oviedo's most desirable 55+ communities! This beautifully maintained 3-bedroom, 2-bath split-plan home offers comfort, style, and the perfect blend of indoor and outdoor living. At $135,000, it's a rare find in today's market-ready for you to move right in and start enjoying the Central Florida lifestyle. Interior Features You'll Love: Spacious split floor plan offering privacy for you and your guests Bright, open kitchen with abundant cabinetry, generous counter space, a walk-in pantry, and sunny eat-in area Private primary suite with en-suite bath for your own retreat Two versatile guest bedrooms perfect for family, visitors, or a hobby/office space Convenient laundry area located just off the kitchen Expansive screened lanai ideal for morning coffee, reading, or entertaining friends Community Lifestyle: Palm Valley is more than just a neighborhood-it's a vibrant, welcoming community. Residents enjoy: Resort-style amenities including clubhouse, pool, and social activities Beautiful, mature landscaping and tree-lined streets A friendly 55+ environment (with 40+ eligible under the 80/20 rule) A prime Oviedo location close to shopping, dining, medical services, and just a short drive to Orlando's world-famous attractions This home combines affordability, comfort, and community-everything you need for your next chapter. Don't miss your chance to make Palm Valley your home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
8/10
8/10
Hagerty High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2007

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Microwave,Oven

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,344

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central

Interior Area

  • Total structure area: 1,344

Kitchen

  • Features: Open

Property

Details

  • On leased land: Yes
  • Lease amount: 1063

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

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Tornado
Hurricane
Inland Flooding
Strong Wind

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 $459$5,508
Home Insurance *$52$624
Property Taxes $53$636
Electricity $197$2,366
Total$761$9,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,091/yr
40% on housing$22,830/yr
45% on housing$20,293/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 32765$214
Seminole County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 32765$248
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)

No zestimate history available

Price History

DateEventPrice
2026-03-29Listed for sale$95,900
2026-03-07Listing removed$135,000
2026-01-07Price change$135,000
2025-10-01Price change$139,900
2025-09-10Price change$135,000
2025-05-17Price change$154,900
2024-12-31Price change$169,900
2024-09-18Listed for sale$189,900

For Sale by Agent

AgentDayna Belt
BrokeragePartners Dealership LLC

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