
1177 FIELDSTONE CIRCLE, OVIEDO, FL, 32765
Active7 days on marketListed Aug 7, 2026MLS #O6431132
About this home
1177 FIELDSTONE CIRCLE
Luxury, space, and an incredible Oviedo lifestyle come together in this beautifully upgraded 4,181-square-foot home in the Retreat at Lake Charm—an intimate enclave of just 46 homes near Oviedo’s historic Lake Charm area. From the moment you enter, soaring 20-foot ceilings in the grand foyer and family room create an impressive sense of space. Rich wood flooring, elegant tray ceilings and thoughtful upgrades continue throughout this expansive home featuring 6 bedrooms, 3.5 bathrooms, a dedicated office with French doors, oversized bonus/game room, private theater and a TANDEM 3-CAR GARAGE—providing the extra garage space buyers are looking for, whether for a third vehicle, golf cart, recreational equipment, workshop or additional storage. Designed for entertaining, the chef-inspired kitchen is the heart of the home with double islands, granite countertops, upgraded pendant lighting and abundant cabinetry, all opening to the spacious family room. Electric retractable shades and oversized sliding glass doors extend the living space onto the large screened lanai. Movie nights get an upgrade in the fully enclosed theater featuring stadium seating, wall-to-wall custom built-in bookshelves and premium carpeting. The oversized bonus/game room provides even more flexible space for entertaining, gaming or family gatherings. The spacious first-floor primary suite offers wood flooring, a tray ceiling, tinted windows, custom-designed walk-in closets and a luxurious ensuite with dual vanities, soaking tub, separate shower and upgraded fixtures. Custom closet systems throughout much of the home, granite countertops in the laundry room, faux wood blinds and exceptional storage add even more functionality. Outside, enjoy a peaceful center-pond view with no immediate rear neighbor, creating a private backdrop for everyday Florida living. The oversized screened lanai features two ceiling fans and a sink hookup, making it ready for weekend barbecues and outdoor entertaining. The backyard is fully enclosed with elegant black aluminum fencing and includes a professionally installed French drain system. LOCATION IS ANOTHER HUGE BONUS! Enjoy convenient access to the Oviedo Gym & Aquatic Facility, one of the city's favorite destinations for recreation and family activities. The facility offers an Olympic-sized swimming pool, renovated Splash Zone and water slide, fitness room, indoor basketball, volleyball, pickleball and an impressive 40-foot indoor rock-climbing wall, along with swim lessons, camps and recreational programming for a variety of ages. The Splash Zone received a major renovation in 2026, adding a new splash playground, renovated slide, resurfaced pool, underwater LED lighting and double-ring fountain play area—another fantastic amenity to have nearby. Combine all of this with access to highly regarded Seminole County schools, parks, shopping, dining and major roadways, and you have a home that delivers far more than square footage. With 4,181 square feet, 6 bedrooms, a theater, bonus room, dedicated office, tandem 3-car garage, pond-view backyard and extensive upgrades, this Retreat at Lake Charm home offers the space and lifestyle today's buyers are searching for.
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%
$/sqft vs Oviedo actives
$237 vs $251
Days on market
7 vs 34 typical
Where $237/sqft sits among the 197 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
$530K → $540K
Oviedo median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
113 of 197
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 116% above the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 1177 FIELDSTONE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,015,000
1207 FIELDSTONE CIRCLE · same community
6 bd · 4 ba · 4,860 sqft · $209/sqft · 8 DOM
Sold · Jul ’26$795,000
1208 FIELDSTONE CIRCLE · same community
4 bd · 3.5 ba · 3,272 sqft · $243/sqft · 12 DOM
Sold · May ’26$925,000
1169 FIELDSTONE CIRCLE · same community
4 bd · 3.5 ba · 3,272 sqft · $283/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
Yumiko Sugawara
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
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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 $514,950. 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 116% 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
Only 7 days on market in a Oviedo market that averages 34 — 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.
Keep looking
Similar homes nearby
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.
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