490 RIVERWOODS TRAIL, Chuluota, FL, 32766 | $1,250,000

Virtually Staged. Under Construction. Lender Credit of 1% (of loan amount) toward closing costs or rate buy-down (inquire for more info). Welcome to 490 Riverwoods, where in just a few short weeks, it will be ready for you to call it home. This is a thoughtfully constructed home where quality craftsmanship and premium materials set it apart. Designed for both comfort and durability, the home features spray foam insulation between the first and second floors, significantly reducing sound transfer and creating a quieter, more peaceful living environment. Energy-efficient Low-E double-pane windows help maintain comfortable indoor temperatures while reducing energy costs and protecting interior finishes from harmful UV rays. The showers are protected by the industry-leading Schluter waterproofing system, providing superior moisture protection and long-term reliability. Throughout the home, you'll find high-end luxury vinyl plank flooring that combines the elegant appearance of hardwood with exceptional durability and low maintenance. The concrete block walls are enhanced with core-fill insulation, improving energy efficiency, thermal performance, and overall comfort year-round. The spacious primary suite is complemented by a beautifully designed custom walk-in closet featuring built-in storage and organization, providing both functionality and a luxurious touch. The expansive front and rear porches are finished with authentic tongue-and-groove wood ceilings and recessed lighting throughout, creating a warm, inviting atmosphere that is perfect for relaxing evenings, entertaining guests, or enjoying the natural beauty of the surrounding landscape. A large bonus room offers exceptional flexibility and has been thoughtfully designed to be easily converted into two additional bedrooms. The space is already equipped with dual mini-split line set chases, simplifying climate control for each future room. Thoughtfully planned for future outdoor enjoyment, the septic system was professionally designed and installed with a future pool in mind, preserving flexibility for homeowners who may wish to add a pool and outdoor living space. Every detail of this home reflects a commitment to quality, efficiency, comfort, and lasting value, making 490 Riverwoods a truly exceptional place to call home.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Laundry Room
  • Style: Custom
  • Year Built: 2025
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,093
  • Acreage: 4.99
  • Est. Taxes: $3,442
  • HOA Fee: $260 Annually
  • Lot Desc: Cleared, In County, Oversized Lot
  • View: Trees/Woods
  • Elem. School: Walker Elementary
  • Middle School: Chiles Middle
  • High School: Hagerty High
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Water Filtration System
  • MLS#: O6287032
  • Days on Market: 432 days
  • Website: https://www.raveis.com
    /eprop/O6287032/490riverwoodstrail_chuluota_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/28/2026 2:47:07 PM)
Listing courtesy of EXP REALTY LLC   Phone: 407-305-4300

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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490 RIVERWOODS TRAIL, Chuluota, FL, 32766

$1,250,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,000,000 $1,000,000 $1,000,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.251% 6.086% 6.183%
Monthly Tax Payment $287 $287 $287
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,836 $5,996 $8,439
Total Monthly Payment $6,248 $6,408 $8,851

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.