3412 BLUFF OAK LANE, Sanford, FL, 32771 | $549,500

Discover a unique offering in Riverside Oaks, the gated enclave in Sanford, Florida with the only private community access to the St. Johns network of waterways and the Southern shore of Lake Monroe. This home was constructed by Toll Brothers in the early phase of the community on one of very few lots nestled against a private, wooded easement. As a double lot upgrade, the water views off the lanai facing the pond offer spectacular Florida sunsets. This charming craftsman-style bungalow reveals a surprisingly expansive footprint with a gracious foyer hall unfolding into generous open spaces. Accommodating a growing family or a houseful of snowbird guests is a breeze with two bedrooms sharing a full bath with shower upgrade off the front hall. An unexpected additional bedroom with ensuite is off the kitchen through a small passage. Standard features include elevated ceilings, 8’ doors and tandem triple garage. Those features were enhanced with extensive upgrades to include porcelain tile floors, triple-stacked sliding glass doors, tray ceilings in the living room and primary bedroom, tile to the ceiling in all bathrooms, custom plantation shutters and soft close cabinetry throughout. Six matching remote-controlled fans promote comfort in all rooms and the lanai. The gracious kitchen is complete with an expanded island, an upgraded backsplash and walk-in pantry. Custom shelf genie cabinet inserts offer storage with rolling ease. The spacious living room accommodates family dining, large sectionals and grand scale entertainment. Opening the 8’ triple doors invite entertaining on the lanai. The beautiful fencing features additional picketing, providing extra security for small children and pets. At day’s end, the primary suite is tucked away in the back of the home and entered through a pleasant owner’s vestibule This lovely bedchamber, spa bath and walk-in closet offer respite from the world. Utilitarian elements include a Britta water softener, garage racking, plumbing available for that garage sink and leaf filtering gutters. The Wilmot has been the plan featured as the model in Riverside Oaks throughout development of the community and admired by all who visited. Sanford has become a destination in Central Florida for dining and entertainment. A new Publix is nearby with ongoing retail development. Sanford International Airport is minutes away, while Orlando International Airport is freeway-accessible in 35 minutes via State Road 417. New Smyrna Beach and the glorious Atlantic beaches are a half hour from Riverside Oaks. If you are looking for a special, turnkey home with customized elements on one of the best lots in a new, Seminole County community, schedule your private tour today.

Features

  • Amenities: Gated, Pool
  • Rooms: 6
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 2021
  • Garage: 3-car
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,280
  • Acreage: 0.14
  • Est. Taxes: $6,168
  • HOA Fee: $424 Quarterly
  • Lot Desc: Landscaped, Sidewalk
  • View: Water
  • Elem. School: Midway Elementary
  • Middle School: Millennium Middle
  • High School: Seminole High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
  • MLS#: O6399596
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/O6399596/3412bluffoaklane_sanford_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 2:44:22 AM)
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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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3412 BLUFF OAK LANE, Sanford, FL, 32771

$549,500

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 $439,600 $439,600 $439,600
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 6.374% 6.524% 5.866%
Monthly Tax Payment $514 $514 $514
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,636 $2,743 $3,621
Total Monthly Payment $3,242 $3,349 $4,227

* 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.