Moving to Chuluota, Florida: The 2026 Data Guide

As of 2026-09-09, the median home sold in Chuluota, Florida over the last 12 months went for $329,000 (28 closings across 13 communities in Momentum’s MLS record), about $251 per square foot for a median 1,344-sq-ft home built around 1994. Homes currently listed have been on the market a median of 10 days, and with 17 active listings against that sales pace the city is carrying roughly 7.3 months of supply. Sellers have been getting about 98% of their original asking price. That median is 18% below the median across Momentum’s Florida and Georgia coverage.

$329,000

Median sale (12 mo)

$251

Price per sq ft

$2,246

Est. monthly cost to own

10 days

Days listed (median)

7.3

Months of supply

New construction share

What your budget buys in Chuluota

Three price points from 36 recent Chuluota closings in our record, each showing what actually closed within 10% of that price:

The real monthly cost of owning in Chuluota

Take the median $329,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,700/month. Seminole County’s typical total millage is 15.18 mills, so after the $50,000 homestead exemption the property tax is roughly $4,235/year ($353/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Seminole County is about $1,572/year; private-market quotes vary with roof age and wind mitigation. 53% of current Chuluota listings carry an HOA, with a median of $62/month where one applies. All in, budget on the order of $2,246/month to own the median Chuluota home including a typical HOA.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Seminole County property tax guide and our home insurance by county map.

Where people are buying: Chuluota’s most active communities

The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.

Community	Sales (12 mo)	Median	Days listed
North Chuluota	16	$328,750	10
Pickett Downs	5	$840,000	39

Chuluota by ZIP code

Sales and medians by ZIP over the same 12 months: 32766 (36 sales, median $765,000).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 100% were single-family homes. New construction accounted for 4% of closings. The housing stock skews mixed: 3% of homes sold were built in 2015 or later and 22% before 1980.

Getting around from Chuluota

Measured from the center of Chuluota’s recent sales: Downtown Orlando is about 17 miles; Orlando International Airport (MCO) is about 18 miles; Daytona Beach is about 40 miles; Melbourne is about 49 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Schools, taxes, and insurance: where to verify

School assignments change; check the Seminole County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Seminole County’s typical millage of 15.18; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Seminole County average of $1,572/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

Chuluota: the case for and against

What works in Chuluota’s favor

prices run 18% below the statewide median in our coverage
homes move quickly (median 10 days listed), so well-priced homes get competition
about 7.3 months of supply gives buyers room to negotiate
insurance is comparatively manageable here (Citizens average $1,572/year)
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

property taxes reset to your purchase price, so never budget off the seller’s bill

Your Chuluota relocation toolkit

Common questions about moving to Chuluota

How much does a house cost in Chuluota, FL?

The median sale over the last 12 months was $329,000 (28 closings), about $251 per square foot. Among recent closings in our record a quarter sold under $405,000 and a quarter over $980,000.

What does it cost per month to own a home in Chuluota?

For the median $329,000 home with 20% down at 6.71%, roughly $2,246 per month including principal, interest, Seminole County property tax after the homestead exemption, insurance, and a typical HOA.

What are property taxes like in Chuluota?

Seminole County's typical total millage is 15.18 mills. On the median home that is about $4,235 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Chuluota a buyer's or seller's market right now?

With about 7.3 months of supply and a median 10 days on market for current listings, conditions favor buyers.

Is there a lot of new construction in Chuluota?

New construction was 4% of sales in the last 12 months.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

Sales figures are Momentum Realty’s MLS record of closings in Chuluota communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Seminole County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.