103 SPANISH OAK LANE, Apopka, FL, 32703 | $440,000

Under contract-accepting backup offers. Welcome to this beautifully remodeled 3-bedroom, 2-bath home situated on a spacious corner lot in the heart of Apopka. Combining modern updates with warm character, this move-in-ready home offers the perfect balance of comfort, style, and functionality.

Step inside to an open and inviting layout designed for everyday living and effortless entertaining. The updated kitchen features a large island, ideal for gathering, meal prep, and hosting, all flowing seamlessly into the main living space filled with natural light.

In addition to the primary suite, the home offers two versatile secondary bedrooms—perfect for a home office, guest space, nursery, or hobby room—allowing you to tailor the space to your lifestyle. A bonus den with a cozy fireplace adds even more flexibility, creating the ideal setting for a second living area, playroom, or work-from-home retreat.

Major upgrades provide peace of mind, including a newer roof (2021) and a 3. 5-ton A/C system (2022), ensuring comfort and efficiency year-round.

Step outside to your private backyard oasis, complete with a newly built gazebo—perfect for relaxing or entertaining. The oversized yard offers plenty of room to add a pool and is surrounded by mature mango, avocado, and lime trees, creating a true Florida lifestyle experience. Two storage sheds, including one added in 2021, provide additional convenience and functionality.

Located in an established community with low HOA fees, residents enjoy maintained sidewalks, lighting, and a neighborhood playground. Conveniently situated near shopping, dining, parks, and major roadways, this home offers both tranquility and accessibility.

Homes with this level of updates, outdoor space, and flexibility do not last long—schedule your private showing today.

Features

  • Amenities: Playground
  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Style: Ranch
  • Year Built: 1979
  • Garage: 2-car Boat, Driveway, On Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,898
  • Acreage: 0.27
  • Est. Taxes: $4,116
  • HOA Fee: $271 Annually
  • Lot Desc: Corner Lot
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6397190
  • Days on Market: 29 days
  • Website: https://www.raveis.com
    /prop/O6397190/103spanishoaklane_apopka_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 5/14/2026 10:32:08 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 407-647-1211

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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:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

103 SPANISH OAK LANE, Apopka, FL, 32703

$440,000

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 $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.730%
Monthly Tax Payment $343 $343 $343
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,108 $2,196 $2,874
Total Monthly Payment $2,526 $2,614 $3,292

* 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.