231 E 1ST STREET, CHULUOTA, FL, 32766
Active15 days on marketListed Jul 21, 2026MLS #TB8531045
About this home
231 E 1ST STREET
Beautifully updated Chuluota home with a large fenced yard, oversized rear garage, and no HOA fee. Recently updated, this well-maintained property offers the comfort, flexibility, and peace of mind buyers are looking for, with a roof replaced in 2021 and AC replaced in 2024. Inside, the home feels clean, comfortable, and move-in ready, with thoughtful updates throughout and a layout that works well for everyday living. Step outside to enjoy the spacious fenced yard, offering room for pets, gardening, entertaining, storage, or simply enjoying extra outdoor space without HOA restrictions. The oversized garage in the back adds valuable flexibility for parking, hobbies, tools, equipment, a workshop, or additional storage. Located in Chuluota with convenient access to Oviedo, UCF, local schools, shopping, dining, parks, and major Central Florida routes, this home offers space, updates, functionality, and freedom. A beautifully updated home, large yard, oversized garage, fenced outdoor space, no HOA fee, 2021 roof, and 2024 AC. This one checks the boxes.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,063
Sqft
0.26 ac
Lot size
2
Garage
1958
Year built
One
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 — not generic estimates.
$2,388 /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
$2,388/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.
$/sqft vs Chuluota actives
$296 vs $305
Days on market
15 vs 59 typical
Where $296/sqft sits among the 17 Chuluota 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 Chuluota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Chuluota. See the full Chuluota guide →
CHULUOTA 32766 — neighborhood snapshot
Population
15,966
Median age
42.2
Median income
$146,215
Median home value
$529,600
Avg household
3.18
Households w/ children
2,393
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Chuluota market
$584K → $735K
Chuluota median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
12 of 17
Chuluota actives have cut their price
Median sold price, Chuluota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the CHULUOTA 32766 median. See the full Chuluota market guide →
Paper trail
This home's history
Reality check
What actually sold near 231 E 1ST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$281,000
260 W 3RD STREET · same community
2 bd · 2 ba · 1,044 sqft · $269/sqft · 1 DOM
Sold · Mar ’26$285,000
471 E 3RD STREET · same community
3 bd · 1 ba · 1,097 sqft · $260/sqft · 86 DOM
Sold · Sep ’25$270,000
131 E 3RD COURT · same community
3 bd · 1 ba · 1,028 sqft · $263/sqft · 35 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 231 E 1ST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 231 E 1ST STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
231 E 1ST STREET FAQs
What would the monthly payment be for 231 E 1ST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,388/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 231 E 1ST STREET?+
The most recent tax bill on record (2025) was $2,811. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Chuluota?+
At $315,000, this home is listed about 66% below the Chuluota median of $917,495. The market section on this page shows how the area is trending.
Which schools are assigned to 231 E 1ST STREET?+
Walker Elementary School (elementary), Chiles Middle School (middle), Hagerty High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Dina Pizzuto. MLS #TB8531045.
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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