3921 E OSCEOLA ROAD, Geneva, FL, 32732 | $796,500

HUD #094-666103 (IN) FHA insured. You're living on over 3 acres of absolute paradise, right on the magnificent St. John's River! This isn't just a house; it's a private estate, a true escape from the everyday. The home itself is an expansive over 7000 square feet, boasting a stunning French Provincial exterior that commands attention. As you arrive, you'll immediately feel its wonderfully rural setting. But once you're here, the main floor welcomes you with comfortable ceramic tile, featuring your master suite and the downstairs living room offers a cozy fireplace, perfect for unwinding on those relaxing evenings. For the entertainers, there's an incredible entertainment room complete with a classic brick bar and custom-built wood cabinets – it's the ultimate spot for hosting gatherings. You won't believe the two gigantic Florida rooms, each a massive 14x47 feet. One is on the first floor, and the other is directly above it, offering abundance of natural light year-round. The kitchen is features a large island and a built-in stove, plus all the essential appliances, including the fridge and cooktop. Upstairs, you'll find four more spacious bedrooms, all with cozy carpet, ensuring comfort for the whole family. Now, for some truly rare finds that elevate this property even further: Not only do you have the main house, but there's also a charming 1-bedroom, 1-bathroom guest house ready for visitors or even as a private rental opportunity. And for your vehicles and extra gear, a convenient detached 2-car garage. This property is situated directly on the St. John's River, and the property line actually extends out beyond the water's edge! It's an unparalleled waterfront experience. This is a rare opportunity to own a substantial estate in a rural setting, complete with all the amenities for both living and grand entertaining. It’s a place to create a lifetime of memories. You absolutely have to see it to believe it!

Features

  • Rooms: 13
  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Lot Size: 150 x 200
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
  • Style: French Provincial
  • Year Built: 1989
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 5,727
  • Acreage: 3.25
  • Lot Size: 150 x 200
  • Est. Taxes: $7,315
  • Lot Desc: In County, Unincorporated
  • View: Trees/Woods, Water
  • Appliances: Built-In Oven, Cooktop, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
  • MLS#: O6378477
  • Days on Market: 43 days
  • Website: https://www.raveis.com
    /prop/O6378477/3921eosceolaroad_geneva_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 3/22/2026 10:32:07 AM)
Listing courtesy of YELLOW DOOR REALTY LLC   Phone: 407-900-8997

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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:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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3921 E OSCEOLA ROAD, Geneva, FL, 32732

$796,500

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $637,200 $637,200 $637,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.520% 5.900%
Monthly Tax Payment $610 $610 $610
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,820 $3,975 $5,249
Total Monthly Payment $4,522 $4,677 $5,951

* 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.