1177 FIELDSTONE CIRCLE, OVIEDO, FL, 32765
Active0 days on marketListed Aug 7, 2026MLS #O6431132
About this home
1177 FIELDSTONE CIRCLE
**Luxury, space, and upgrades come together in this stunning 4,181-square-foot home located in the exclusive Retreat at Lake Charm—an intimate enclave of just 46 homes nestled just north of the Lake Charm Historic District in Oviedo.** From the moment you step inside, you'll be captivated by the soaring 20-foot ceilings in the grand foyer and family room, beautiful tray ceilings, and rich Wood flooring that adds warmth and elegance throughout the main living areas. Designed with both everyday living and entertaining in mind, this spacious home offers **6 bedrooms, 3.5 bathrooms**, a dedicated office with French doors, an oversized bonus room, and a fully enclosed theater featuring **stadium seating, custom wall-to-wall built-in bookshelves, and premium carpeting**—perfect for unforgettable movie nights. The chef-inspired kitchen is truly the heart of the home, showcasing **double islands**, granite countertops, upgraded pendant lighting, abundant cabinetry. The open-concept design flows seamlessly into the impressive family room, where **electric retractable shades** and oversized sliding glass doors lead to the extended screened lanai. Retreat to the spacious first-floor primary suite featuring a tray ceiling, custom-designed walk-in closets, Wood flooring, tinted windows, and a luxurious ensuite bath with dual vanities, a large soaking tub, separate shower, and upgraded fixtures. Every detail has been thoughtfully considered, including custom closet systems throughout nearly the entire home, upgraded granite countertops in the laundry room, faux wood blinds, and exceptional storage space. Step outside and discover the perfect Florida lifestyle overlooking the center pond view for plenty of privacy. The oversized screened lanai is complete with two ceiling fans, a sink hookup, creating the ideal space for entertaining family and friends. The fully fenced backyard features elegant black aluminum fencing and a professionally installed French drain system. Located in one of Oviedo's most desirable communities, this exceptional home offers luxury finishes, thoughtful upgrades, energy-efficient features, and an unbeatable location close to top-rated Seminole County schools, parks, shopping, dining, and major highways. If you've been searching for a move-in-ready home that truly has it all, your search ends here.
Facts & features
The home at a glance
6
Bedrooms
3.5
Bathrooms
4,181
Sqft
0.25 ac
Lot size
3
Garage
2017
Year built
Two
Levels
$237
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.
$6,759 /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
$6,759/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
+20.6%
Days on market
0 vs 32 typical
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
$530K → $540K
Oviedo median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 115% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1177 FIELDSTONE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1177 FIELDSTONE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derrion's phone and CRM.
Straight answers
1177 FIELDSTONE CIRCLE FAQs
What would the monthly payment be for 1177 FIELDSTONE CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,759/mo — principal and interest, the actual property-tax bill, the $205/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 1177 FIELDSTONE CIRCLE?+
The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1177 FIELDSTONE CIRCLE?+
The most recent tax bill on record (2025) was $8,164. 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 1177 FIELDSTONE CIRCLE?+
The listing reports pets: Breed Restrictions, 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 Oviedo?+
At $990,000, this home is listed about 92% above the Oviedo median of $514,975. The market section on this page shows how the area is trending.
Which schools are assigned to 1177 FIELDSTONE CIRCLE?+
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
$990,000 runs 115% above the OVIEDO 32765 median — but at 4,181 sqft it's also nearly twice the size of 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.
03Fresh on the market
Listed today in a Oviedo market that averages 32 — if it fits, move quickly.
04Strong 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.
Listing courtesy of LPT REALTY, LLC · Brittany Zapitz. MLS #O6431132.
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.
Never miss a listing
New Oviedo homes, in your inbox
Like 1177 FIELDSTONE CIRCLE but not quite? A daily digest of every new listing in Oviedo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Derrion to ping you on any price or status change →