Single Family Residence in OSPREY COVE, ORLANDO · No CDD
OSPREY COVE · ORLANDO, FL 32810 · Orange
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,158Sq Ft
1999Year Built
$268Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
19% above
$/sq ft vs community
$268 here vs $226 median sold (12 mo)
Buyer leverage
Buyer advantage
5 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 5549 New Cambridge Road in Osprey Cove, Orlando is listed at $309,900 (1,158 sq ft, about $268 per sq ft). That sits within a few percent of Osprey Cove's median closed sale of $309,250 over the last 12 months (2 recorded sales). Per square foot it is above the community's recent $226/sq ft by about 19%. It came to market within the past week. Listing facts: built in 1999, HOA dues of $10/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1999 · 27 yrs
1,158 sq ft of living area
2-car garage
Listed at $309,900 — recent neighborhood median sale price ~$309,250 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $10/mo (per listing)
Momentum Research · Osprey Cove Orlando
Pricing & the Osprey Cove Orlando market
How this home is priced against recent nearby sales, and where Osprey Cove Orlando has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2014–2022. This home lists at $268/sq ft.
Median sale price by year
12-month median closed price, 2014–2022.
Property timeline
This home’s history
1999BuiltPer public record
Sep 11, 2026First trackedObserved at $309,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,031/mo
Principal & interest $1,610/mo79%
Taxes $271/mo13%
Insurance $140/mo7%
HOA $10/mo0%
$2,031/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Orange County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $5,000/yr ($417/mo)
-$675 more each year
(--14%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
30/100
Strongest on: Affordability (50), Market liquidity (35)
0 limited50100 exceptional
30/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area4
This home $268/sq ft vs the community 12-month median $226/sq ft.
Affordability50
List price $309,900 vs the community median $309,250. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Renovation upside30
From a 1999 build and $268/sq ft vs the community median $226/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 5 days on market for this home, against a 17-day area median.Days on market:this home 5Area median: 17 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. As of September 12, 2026.
🟡 Asking $268 per square foot, about 19% above the community’s $226 median. Osprey Cove Orlando’s 12-month median sold price per square foot is $226. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 2 active listings in Osprey Cove Orlando, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. Welcome home! This 3-bedroom, 2-bathroom property boasts beautiful modern finishes, an open floor plan, and a tranquil fenced backyard, all while sitting on a quiet, dead-end street for added peace and quiet.
At the same time, the central location puts you minutes from Maitland Blvd and S Orange Blossom Trl, two major thoroughfares for this area of Central Florida, providing exceptional connectivity and access to local amenities. Inside, the striking kitchen showcases black granite countertops, contrasted with white cabinetry and a white tile backsplash that extends to the ceiling. A spacious island and pendant lighting complete the space, adding both functionality and visual appeal.
The open design allows the kitchen to flow naturally into adjoining dining and living areas. Matching wood-look vinyl extends throughout the home, providing durable and cohesive flooring, while the updated bathrooms complete the interior. Beyond the main indoor space, a fenced backyard offers privacy and outdoor enjoyment, while a spacious paver patio extends entertaining options and creates an attractive outdoor retreat.
The thoughtful layout connects spaces smoothly, creating an inviting environment for everyday activities and entertaining. Nearby shopping includes Sam's Club, Walmart, Publix, and multiple shopping plazas. A variety of medical services and grade schools are conveniently accessible.
You're less than 20 minutes driving to Downtown Orlando, Winter Park, Maitland, Altamonte Springs, Longwood, Apopka, and Wekiwa Springs State Park. Additional appeal comes from a lower HOA fee, reducing ongoing ownership costs. This home combines practical features with a location that offers both convenience and access to Central Florida's key destinations.
Schedule your private showing today and experience firsthand all that this property offers.
Description provided by BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$309,900
Bed / bath3 / 2
Living area1,158 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #O6437053
Listing statusNew — 5 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyOrange
Area listings2 active · 0 under contract
Estimated first-year tax~$3,254/yr
CDD assessmentNone on record
HOA (per listing)$10/mo
Calculated estimates
Price per sq ft$268
Estimated monthly payment$2,031
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$309,250
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY · Listing agent: Joseph Doher · 407-203-0007Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$230,442the mess$292,974
Actual list price: $309,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $10/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
≈12.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $309,900 ($268/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,158 sq ft × $199–$253/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near OSPREY COVE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $309,900Momentum Realty · on market 5 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,254/yr
A rough first-year estimate only, applying a typical Orange rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$10/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 5549 NEW CAMBRIDGE ROAD?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the OSPREY COVE neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$309,250
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$226
Canonical 12-month median $/sq ft. Reference only.
Go deeper on OSPREY COVE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Capstone begins construction on The Gateway luxury apartments
Capstone Building Corp began construction on The Gateway, a 270-unit apartment community at 7250 Shadowridge Drive in Orlando, developed by JBL Development. The five-story gated project spans more than 417,000 square feet and is expected to be completed in late 2027. Amenities include a saltwater pool, fitness center, pickleball court, and a clubhouse with a restaurant and bar.
Why it matters: Adds 270 market rate apartments in a five story building with resort style amenities, expanding the local rental housing stock in the Airport Lakes area of south Orlando. The project is about 15 miles southeast of Osprey Cove, elsewhere in Orange County.
Orange County opens Enclave at Canopy Park with 104 affordable units
Orange County opened The Enclave at Canopy Park, a 104-unit affordable apartment community at 4440 Canopy Park Loop developed by Archway Partners. The county contributed 3 million dollars from its Affordable Housing Trust Fund. The community includes one and two bedroom homes plus a community center, fitness center, technology lab, and EV charging.
Why it matters: Adds 104 income-restricted apartment homes to the local rental supply along with new community amenities and green-certified construction. The project is about 11 miles south of Osprey Cove, elsewhere in Orange County.
Orange County previews new Innovation Center on West Colonial Drive
Orange County previewed its new Innovation Center at 7149 West Colonial Drive, located within the county's Multicultural Center and Senior Center complex, with an official opening set for Fall 2026. The center will offer technology programs including 3D printing and makerspace prototyping through the Orange County Library System, plus career exploration and workforce training through CareerSource Central Florida.
Why it matters: Adds a county operated civic and technology facility with library and workforce programming to the West Colonial corridor. The project is about 5 miles south of Osprey Cove, elsewhere in Orange County.
Mixed-use high-rise redesigned for 924 and 934 North Magnolia Avenue
A redesigned 17-story mixed-use high-rise was proposed for 924 and 934 North Magnolia Avenue in Orlando's North Quarter district by Acram Group. The project would include 350 residential units, about 3,300 square feet of ground-floor commercial space, and a parking garage with 510 spaces, replacing two 1972 office buildings. A public plaza is planned at the corner of Magnolia and Weber Street.
Why it matters: Would replace two aging office buildings with 350 residences, ground floor retail, and structured parking, adding housing density and a public plaza along the Orlando Urban Trail. The project is about 7 miles southeast of Osprey Cove, elsewhere in Orange County.
Schools currently assigned to this address in Orange County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
Lockhart ElemAssigned elementary school · Orange County School District · Grade C (Florida DOE 2025-26)
GRADEC
Lockhart MiddleAssigned middle school · Orange County School District · Grade C (Florida DOE 2025-26)
GRADEC
Wekiva HighAssigned high school · Orange County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$307,000
5650 NEW CAMBRIDGE ROAD, ORLANDO
3 / 2 bd/ba · 1,292 sq ft · $238/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Dec 2025
$311,500
5545 NEW CAMBRIDGE ROAD, ORLANDO
4 / 2 bd/ba · 1,452 sq ft · $215/sq ft
Courtesy of EXP REALTY LLC · View details →
Community 12-month median: $226/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,420 – $2,066/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$652 – −$71At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 5549 New Cambridge Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $10/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Orange County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,158 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,254/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ORLANDO
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5549 New Cambridge Road and when was it built?
Per the listing record, 5549 New Cambridge Road was built in 1999 and has 1,158 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5549 New Cambridge Road in?
5549 New Cambridge Road is in Osprey Cove in Orlando, Orange County. The community section on this page shows recent closed sales, days on market, and active inventory for Osprey Cove from the same MLS data.
Does 5549 New Cambridge Road have an HOA, and how much are the dues?
The listing reports HOA dues of $10 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5549 New Cambridge Road differ from the current owner's?
The estimate on this page (about $3,254 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5549 New Cambridge Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 5549 NEW CAMBRIDGE ROAD in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
