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!
Foreclosure
Price cut: $88.5K (3/10)
Est. $796,500
3921 E Osceola Rd, Geneva, FL 32732
5beds
5,727sqft
Single Family Residence
Built in 1989
1.33 Acres Lot
$-- Zestimate®
$139/sqft
$-- HOA
Overview
- 55 days |
- 1,785 |
- 75 |
Zillow last checked: 7 hours ago
Listing updated: March 14, 2026 at 10:41am
Listing Provided by:
Nancy Groves 407-600-1446,
YELLOW DOOR REALTY LLC 407-256-9593
Source: Stellar MLS,MLS#: O6378477
Originating MLS: Orlando Regional
Originating MLS: Orlando Regional
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Family Room, Utility Room
Primary bedroom
- Features: Shower No Tub, Walk-In Closet(s)
- Level: First
- Area: 408 Square Feet
- Dimensions: 17x24
Bedroom 2
- Features: Ceiling Fan(s), Built-in Closet
- Level: Second
- Area: 300 Square Feet
- Dimensions: 15x20
Bedroom 3
- Features: Ceiling Fan(s), Built-in Closet
- Level: Second
- Area: 300 Square Feet
- Dimensions: 15x20
Bedroom 5
- Features: Ceiling Fan(s), Built-in Closet
- Level: Second
- Area: 300 Square Feet
- Dimensions: 15x20
Bathroom 4
- Features: Ceiling Fan(s), Built-in Closet
- Level: Second
- Area: 200 Square Feet
- Dimensions: 10x20
Dining room
- Features: No Closet
- Level: First
- Area: 180 Square Feet
- Dimensions: 15x12
Family room
- Features: Bar, Built-in Closet
- Level: First
- Area: 840 Square Feet
- Dimensions: 28x30
Florida room
- Features: Ceiling Fan(s), No Closet
- Level: First
- Area: 658 Square Feet
- Dimensions: 14x47
Florida room
- Features: Ceiling Fan(s), No Closet
- Level: Second
- Area: 658 Square Feet
- Dimensions: 14x47
Kitchen
- Features: Kitchen Island, Built-in Closet
- Level: First
- Area: 360 Square Feet
- Dimensions: 15x24
Laundry
- Level: Second
- Area: 20 Square Feet
- Dimensions: 4x5
Living room
- Features: Ceiling Fan(s), No Closet
- Level: First
- Area: 180 Square Feet
- Dimensions: 15x12
Office
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: First
- Area: 300 Square Feet
- Dimensions: 15x20
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Oven, Cooktop, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
- Laundry: Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
Features
- Ceiling Fan(s), Eating Space In Kitchen, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Wet Bar
- Flooring: Carpet, Ceramic Tile
- Doors: French Doors
- Has fireplace: Yes
- Fireplace features: Family Room
Interior area
- Total structure area: 7,009
- Total interior livable area: 5,727 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio, Porch, Rear Porch
- Exterior features: Private Yard, Storage
- Has view: Yes
- View description: Trees/Woods, Water, River
- Has water view: Yes
- Water view: Water,River
- Waterfront features: River Front, Brackish Water Access
- Body of water: ST. JOHN'S RIVER
Lot
- Size: 1.33 Acres
- Dimensions: 150 x 200
- Features: In County, Unincorporated
- Residential vegetation: Mature Landscaping, Oak Trees
Details
- Additional structures: Guest House, Workshop
- Parcel number: 23193230000700000
- Zoning: A-5
- Special conditions: Government Owned
Construction
Type & style
- Home type: SingleFamily
- Architectural style: French Provincial
- Property subtype: Single Family Residence
Materials
- Block
- Foundation: Block, Stem Wall
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 1989
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
- Utilities for property: BB/HS Internet Available, Cable Available, Electricity Available, Water Connected
Community & HOA
Community
- Security: Smoke Detector(s)
- Pet fee: $0 monthly
- Subdivision: NONE
HOA
- Has HOA: No
Location
- Region: Geneva
Financial & listing details
- Price per square foot: $139/sqft
- Tax assessed value: $628,751
- Annual tax amount: $7,314
- Date on market: 1/30/2026
- Cumulative days on market: 47 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved, Asphalt
Foreclosure details
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/10/2026 | Price change | $796,500-10%$139/sqft |
Source:  Stellar MLS #O6378477 Report a problem | ||
| 1/30/2026 | Listed for sale | $885,000-9.7%$155/sqft |
Source: Stellar MLS #O6378477 Report a problem | ||
| 1/31/2025 | Listing removed | $980,000$171/sqft |
Source: Stellar MLS #S5109546 Report a problem | ||
| 9/9/2024 | Price change | $980,000-6.7%$171/sqft |
Source: Stellar MLS #S5109546 Report a problem | ||
| 7/30/2024 | Listed for sale | $1,050,000-4.5%$183/sqft |
Source: Stellar MLS #S5109546 Report a problem | ||
| 12/24/2022 | Listing removed | -- |
Source:  RE/MAX International Report a problem | ||
| 5/22/2022 | Listed for sale | $1,100,000+15.9%$192/sqft |
Source: Stellar MLS #O6024768 Report a problem | ||
| 9/2/2019 | Listing removed | $949,000$166/sqft |
Source: Coldwell Banker Residential Real Estate - Orlando North/Heathrow #O5773216 Report a problem | ||
| 6/27/2019 | Price change | $949,000-5%$166/sqft |
Source: Coldwell Banker Residential Real Estate - Orlando North/Heathrow #O5773216 Report a problem | ||
| 3/28/2019 | Listed for sale | $999,000+28.9%$174/sqft |
Source: COLDWELL BANKER RESIDENTIAL RE #O5773216 Report a problem | ||
| 11/1/2018 | Listing removed | $775,000$135/sqft |
Source: CORE GROUP REAL ESTATE LLC #O5556591 Report a problem | ||
| 4/4/2018 | Price change | $775,000-3.1%$135/sqft |
Source: CORE GROUP REAL ESTATE LLC #O5556591 Report a problem | ||
| 1/18/2018 | Listed for sale | $799,900-32.8%$140/sqft |
Source: CORE GROUP REAL ESTATE LLC #O5556591 Report a problem | ||
| 10/6/2017 | Listing removed | $1,189,950$208/sqft |
Source: Watson Realty Corp. #V4717879 Report a problem | ||
| 4/18/2017 | Listed for sale | $1,189,950+40.2%$208/sqft |
Source: Watson Realty Corp. #V4717879 Report a problem | ||
| 1/11/2013 | Listing removed | $849,000$148/sqft |
Source: Real Living Real Estate Solutions #O5102195 Report a problem | ||
| 8/5/2012 | Listed for sale | $849,000-34.7%$148/sqft |
Source: Real Living #O5102195 Report a problem | ||
| 10/7/2011 | Listing removed | $1,300,000$227/sqft |
Source: Watson Realty Corp #MO5066919 Report a problem | ||
| 10/5/2011 | Listed for sale | $1,300,000$227/sqft |
Source: Watson Realty Corp #MO5066919 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,040 +2.8% | $369,322 +3% |
| 2023 | $3,931 +1.2% | $358,565 +3% |
| 2022 | $3,883 -5.2% | $348,121 +3% |
| 2021 | $4,096 +0.8% | $337,982 +1.4% |
| 2020 | $4,063 +1% | $333,316 +2.3% |
| 2019 | $4,022 | $325,822 +1.9% |
| 2018 | $4,022 +0.8% | $319,747 +2.1% |
| 2017 | $3,988 +0.5% | $313,170 +1.4% |
| 2016 | $3,966 -1.7% | $308,876 +1.4% |
| 2015 | $4,036 | $304,597 +0.8% |
| 2014 | $4,036 +2.7% | $302,180 +1.5% |
| 2013 | $3,930 +6.9% | $297,714 +1.7% |
| 2012 | $3,676 +2.4% | $292,737 +3% |
| 2011 | $3,589 +0.7% | $284,211 +1.5% |
| 2010 | $3,563 +4% | $280,011 +2.7% |
| 2009 | $3,427 +3.5% | $272,649 +0.1% |
| 2008 | $3,312 -8.8% | $272,377 +5.6% |
| 2006 | $3,630 +1.9% | $257,994 +6.1% |
| 2004 | $3,563 +0.7% | $243,184 +1.9% |
| 2003 | $3,538 -2.4% | $238,650 +2.4% |
| 2002 | $3,626 | $233,057 |
Find assessor info on the county website
BuyAbility℠ payment
Estimated monthly payment
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Neighborhood: 32732
Nearby schools
GreatSchools rating
- 7/10Geneva Elementary SchoolGrades: PK-5Distance: 5.8 mi
- 9/10Chiles Middle SchoolGrades: 6-8Distance: 12.2 mi
- 8/10Oviedo High SchoolGrades: 9-12Distance: 12.9 mi
Local experts in 32732
- Florida
- Seminole County
- Geneva
- 32732
- 3921 E Osceola Rd
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