3129 RIVERBOAT WAY, OVIEDO, FL, 32765
Active1 days on marketListed Aug 4, 2026MLS #O6430129
About this home
3129 RIVERBOAT WAY
Welcome to Towns at Tuskawilla Commons, one of Oviedo's newest gated townhome communities, where modern design meets the ease of low-maintenance living. Perfectly positioned with no rear neighbors, this stunning 3-bedroom, 2.5-bath townhome shows like a true model home and looks practically brand new. Step inside to an open and inviting floor plan featuring beautiful wood-look tile flooring throughout the entire first floor, neutral designer colors, upgraded LED lighting, and stylish ceiling fans throughout. The spacious living and dining areas are filled with natural light and offer flexible furniture placement, making the home ideal for both everyday living and entertaining. The gourmet kitchen is truly the heart of the home, showcasing 42-inch cabinetry with crown molding, gorgeous quartz countertops, a large center island with an oversized stainless steel sink and breakfast bar, GE stainless steel appliances, a smooth glass cooktop, microwave with vented hood, and a generous walk-in pantry. Sliding glass doors lead to the screened-in patio, complete with a privacy screen, creating the perfect place to relax while enjoying the peaceful backyard setting. Upstairs, you'll find a versatile loft that is perfect for a home office, study area, media room, or play space. The spacious primary suite offers a private retreat with a large walk-in closet, dual-sink adult-height vanity, oversized walk-in shower, and an expansive primary bath. Two additional bedrooms, a full bath, and a conveniently located laundry area complete the second floor. Additional storage can be found in the large under-stair storage area. Additional upgrades include custom professionally installed blinds, dual thermostats for enhanced comfort with the home's single HVAC system, energy-efficient windows, and abundant storage throughout. Residents of Towns at Tuskawilla Commons enjoy outstanding community amenities, including two gated entrances, a neighborhood park with pavilion, bike racks, a gated dog park, and private access to the Cross Seminole Trail. Located in highly desirable Seminole County, this exceptional home offers quick access to SR 417, top-rated Seminole County schools, shopping, dining, medical facilities, major employers, and is only 15 minutes from the University of Central Florida. If you're looking for a move-in-ready home that truly shows like a model in one of Oviedo's most desirable new communities, this is the one. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,384
Sqft
0.04 ac
Lot size
1
Garage
2023
Year built
Two
Levels
$296
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.
$3,345 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,345/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+17.5%
$/sqft vs Oviedo actives
$296 vs $250
Days on market
1 vs 32 typical
Where $296/sqft sits among the 201 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)
108 of 201
Oviedo actives have cut their price
Median sold price, Oviedo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below the OVIEDO 32765 median. See the full Oviedo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3129 RIVERBOAT WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$360,000
3137 RIVERBOAT WAY · same community
3 bd · 2.5 ba · 1,647 sqft · $219/sqft · 39 DOM
Sold · Mar ’26$330,000
4797 DUNBARTON DRIVE
3 bd · 2 ba · 1,483 sqft · $223/sqft · 1 DOM
Sold · Dec ’25$402,500
4807 DUNBARTON DRIVE
3 bd · 2 ba · 1,493 sqft · $270/sqft · 4 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3129 RIVERBOAT WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3129 RIVERBOAT WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3129 RIVERBOAT WAY FAQs
What would the monthly payment be for 3129 RIVERBOAT WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,345/mo — principal and interest, the actual property-tax bill, the $268/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 3129 RIVERBOAT WAY?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3129 RIVERBOAT WAY?+
The most recent tax bill on record (2025) was $3,943. 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 3129 RIVERBOAT WAY?+
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 Oviedo?+
At $409,000, this home is listed about 21% below the Oviedo median of $519,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3129 RIVERBOAT WAY?+
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
01Under the OVIEDO 32765 market on paper
$409,000 is 11% below the OVIEDO 32765 median of $459,990.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Brad Merrell. MLS #O6430129.
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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