$796,500
PENDING $89K PRICE DROP

3921 E Osceola Rd Geneva, FL 32732

Estimated payment $4,833/month

Total Views 9,418
5 Beds
3.5 Baths
5,727 Sq Ft
$139 Price per Sq Ft

Highlights

  • 100 Feet of Riverfront
  • Guest House
  • French Provincial Architecture
  • Geneva Elementary School Rated A-
  • Oak Trees
  • Main Floor Primary Bedroom

About This Home

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! Additional land parcel with barn located at left of dead end road. Parcel # 23-19-32-3000-007A-0000 is approx .44 acres

Listing Agent

Nancy Groves

YELLOW DOOR REALTY LLC Brokerage Phone: 407-900-8997 License #3450127 Listed on: 01/30/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,315

Year Built

  • Built in 1989

Lot Details

  • 3.25 Acre Lot
  • Lot Dimensions are 150x200
  • 100 Feet of Riverfront
  • River Front
  • Unincorporated Location
  • South Facing Home
  • Mature Landscaping
  • Oak Trees
  • 2 Lots in the community
  • Additional Parcels
  • Property is zoned A-5

Parking

  • 2 Car Garage

Property Views

  • River
  • Woods

Home Design

  • French Provincial Architecture
  • Entry on the 2nd floor
  • Block Foundation
  • Stem Wall Foundation
  • Shingle Roof
  • Block Exterior

Interior Spaces

  • 5,727 Sq Ft Home
  • 2-Story Property
  • Wet Bar
  • Bar
  • Tray Ceiling
  • Ceiling Fan
  • French Doors
  • Family Room with Fireplace
  • Living Room
  • Dining Room
  • Home Office
  • Sun or Florida Room
  • Inside Utility
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Built-In Oven
  • Cooktop with Range Hood
  • Microwave
  • Cooking Island
  • Solid Surface Countertops
  • Solid Wood Cabinet

Flooring

  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • Walk-In Closet

Laundry

  • Laundry Room
  • Laundry on upper level
  • Washer and Electric Dryer Hookup

Outdoor Features

  • Access to Brackish Water
  • Patio
  • Separate Outdoor Workshop
  • Outdoor Storage
  • Rear Porch

Additional Homes

  • Guest House
  • 925 SF Accessory Dwelling Unit

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Well
  • Electric Water Heater
  • Septic Tank
  • High Speed Internet
  • Cable TV Available

Community Details

  • No Home Owners Association

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,315

Year Built

Built in 1989

Lot Details

3.25 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: French Provincial
  • Construction Materials: Block
  • Fireplace: Yes
  • Living Area: 5727
  • Lot Size Acres: 3.25
  • New Construction: No
  • Year Built: 1989
  • Building Area Total: 7009
  • Lot Size Sq Ft: 58006
  • Number Of Lots: 2
  • Status: Pending
  • Street Direction: E
  • Ownership: Fee Simple
  • Entry Level: 2
  • Building Area Total Srch Sq M: 651.16
  • Escrow City: Sanford
  • Escrow State: FL
  • Escrow Street Name: Sanford Ave
  • Floor Number: 2
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 139.08
  • Total Acreage: 2 to less than 5
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 1
  • MFR_DockYN: 0
  • MFR_InLawSuiteDescription: 1 Bathroom,1 Bedroom,Detached (ADU),Private Entrance,Studio
  • MFR_InLawSuiteUnderAirSqFt: 925.00
  • Attribution Contact: 407-900-8997
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Family Room
  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Wet Bar
  • Appliances Included: Built-In Oven, Cooktop, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
  • Foundation Details: Block, Stem Wall
  • Total Bedrooms: 5
  • Levels: Two
  • Other Equipment: Private Yard
  • Stories: 2
  • Additional Rooms: Family Room,Inside Utility
  • Living Area Meters: 532.06

Exterior Features

  • Direction Faces: South
  • Other Structures: Guest House, Workshop
  • Exterior Features: French Doors, Private Yard, Storage
  • Roof: Shingle
  • Pool Private: No
  • View: Trees/Woods, Water
  • Water Body Name: ST. JOHN'S RIVER
  • Waterfront: Yes
  • Patio and Porch Features: Patio, Porch, Rear Porch
  • Road Surface Type: Asphalt
  • Water Access: Brackish Water
  • Water View: River
  • Water View YN: 1
  • Waterfront Feet Total: 100
  • Flood Zone Panel: 12117C0105F
  • Water Frontage Feet River: 100

Garage/Parking

  • Attached Garage: No
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Available, Water Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
  • Sewer: Septic Tank
  • Water Source: Well

Condo/Co-op/Association

  • Association: No
  • Security: Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Lot Info

  • Zoning: A-5
  • Parcel Number: 23-19-32-300-0070-0000
  • Additional Parcels: Yes
  • Lot Features: In County, Paved, Unincorporated
  • Lot Dimensions: 150x200
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 7314.8
  • Tax Block: 0070
  • Tax Book Number: 300
  • Tax Lot: 0000

Multi Family

  • Waterfront Features: River Front

Map

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Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $9,193 $650,621 $198,259 $452,362
2024 $4,333 $369,322 -- --
2023 $4,224 $358,565 $0 $0
2021 $4,096 $337,982 $0 $0
2020 $4,063 $333,316 $0 $0
2019 $4,022 $325,822 $0 $0
2018 $3,988 $319,747 $0 $0
2017 $3,966 $313,170 $0 $0
2016 $4,036 $308,876 $0 $0
2015 $3,870 $304,597 $0 $0
2014 $3,870 $302,180 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/20/2026 04/20/26 Pending -- -- --
03/10/2026 03/10/26 Price Changed $796,500 -10.0% $139 / Sq Ft
01/30/2026 01/30/26 For Sale $885,000 -- $155 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Trustee Deed -- None Listed On Document
Warranty Deed $27,500 --
Source: Public Records

Source: Stellar MLS

MLS Number: O6378477

Stellar MLS

APN: 23-19-32-300-0070-0000

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