2120 GOPHER TORTOISE TERRACE, Oakland, FL, 34787 | $390,000

Welcome to 2120 Gopher Tortoise Terrace in charming Oakland, Florida, a beautifully maintained 3 bedroom, 2. 5 bathroom townhome that offers comfort, style, and an incredible opportunity for qualified buyers to assume the seller’s low 2. 75 percent mortgage rate, subject to lender approval, potentially providing significant monthly savings compared to today’s interest rates.

From the moment you step inside, you’ll notice the bright and inviting feel created by the open floor plan, warm laminate flooring, and abundant natural light. The spacious living and dining areas flow seamlessly into the kitchen, making this home perfect for everyday living as well as hosting family and friends.

The kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, a large island with seating, and a stylish tile backsplash that adds both character and functionality. Thoughtful upgrades throughout the home include custom pantry storage, custom laundry room shelving with a drying pole, and custom closet systems designed to maximize organization and convenience.

Upstairs, the primary suite offers a relaxing retreat with a custom walk in closet and an upgraded bathroom featuring elevated countertops and a frameless glass shower. Additional bedrooms provide comfortable space for family, guests, or a home office.

Step outside to your private paved courtyard patio, the perfect place to enjoy your morning coffee, unwind after a long day, or gather with friends on beautiful Florida evenings.

The location truly sets this home apart. Directly across the street from the West Orange Trail, you’ll have immediate access to one of Central Florida’s most popular biking, walking, and running trails. The home is also situated across from the Oakland Nature Preserve, offering scenic nature views, peaceful surroundings, and additional trails to explore.

You’ll also enjoy being just a short drive from vibrant Downtown Winter Garden, known for its award winning farmers market, incredible restaurants, boutique shopping, and year round community events that bring the area to life.

With its thoughtful upgrades, inviting layout, and unbeatable location surrounded by nature and community, this home offers a wonderful opportunity to enjoy everything the Oakland and Winter Garden area has to offer.

Features

  • Amenities: Park, Pool
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside
  • Year Built: 2020
  • Garage: 2-car Garage Faces Rear
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,620
  • Acreage: 0.05
  • Est. Taxes: $4,020
  • HOA Fee: $425 Monthly
  • Elem. School: Tildenville Elem
  • Middle School: Lakeview Middle
  • High School: West Orange High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6389691
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /prop/O6389691/2120gophertortoiseterrace_oakland_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 3/31/2026 3:52:44 AM)
Listing courtesy of KELLER WILLIAMS ADVANTAGE III   Phone: 407-207-0825

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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

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2120 GOPHER TORTOISE TERRACE, Oakland, FL, 34787

$390,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $312,000 $312,000 $312,000
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% 6.557% 5.990%
Monthly Tax Payment $335 $335 $335
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,871 $1,946 $2,570
Total Monthly Payment $2,281 $2,356 $2,980

* 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.