409 E GULLEY AVENUE, OAKLAND, FL, 34760
Active1 days on marketListed Jul 24, 2026MLS #O6428041
About this home
409 E GULLEY AVENUE
Virtually Staged. Tucked away in the heart of downtown Oakland, this adorable 3-bedroom, 2-bathroom home captures the essence of small-town living with its cozy charm and timeless appeal. Surrounded by mature landscaping and stately oak trees, this property offers a serene escape with no HOA to limit your creativity. Quiet dirt roads wind through the neighborhood, adding a touch of rural nostalgia, while the vibrant shops and cafes of Oakland’s quaint downtown are just a short stroll away. Inside, the home welcomes you with a warm and inviting layout. The living room, filled with natural light, provides a cozy space for relaxing or entertaining. It connects seamlessly to a well-appointed kitchen, featuring stainless steel appliances, granite countertops, and plenty of cabinetry for storage—ideal for home-cooked meals. The primary bedroom offers a peaceful retreat with a standard closet and an en-suite bathroom boasting dual vanities and a luxurious soaking tub. Two additional bedrooms, each with standard closets, provide versatile space for family, guests, or a home office, with a second full bathroom conveniently nearby. The exterior is a true highlight, with mature landscaping creating a private, tranquil setting. Towering oak trees provide shade and beauty, complemented by colorful, well-kept gardens. The spacious backyard is perfect for barbecues, gardening, or simply soaking in the calm of your own oasis. A charming front porch invites you to enjoy morning coffee while greeting neighbors on the peaceful dirt road. Located in the heart of Oakland, this home blends small-town charm with modern convenience. Enjoy local events, dining, and community spirit just steps away, with easy access to highways for commuting. With no HOA, you have the freedom to make this property your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,630
Sqft
0.27 ac
Lot size
1959
Year built
One
Levels
$307
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,673 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,673/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.2%
$/sqft vs Oakland actives
$307 vs $249
Days on market
1 vs 54 typical
Where $307/sqft sits among the 24 Oakland actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Oakland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oakland. See the full Oakland guide →
OAKLAND 34760 — neighborhood snapshot
Population
778
Median age
49.8
Median income
$136,042
Median home value
$401,200
Avg household
3.3
Households w/ children
69%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oakland market
$620K → $1.7M
Oakland median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
12 of 24
Oakland actives have cut their price
Median sold price, Oakland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% below the OAKLAND 34760 median. See the full Oakland market guide →
Paper trail
This home's history
Reality check
What actually sold near 409 E GULLEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$220,000
3205 OAKLAND ROAD S · same community
3 bd · 2 ba · 1,809 sqft · $122/sqft · 22 DOM
Sold · Apr ’26$1,525,000
15722 E OAKLAND AVENUE · same community
3 bd · 2 ba · 3,340 sqft · $457/sqft · 4 DOM
Sold · Dec ’25$352,000
1386 SCARLET OAK LOOP
3 bd · 2.5 ba · 1,638 sqft · $215/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 409 E GULLEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 E GULLEY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
409 E GULLEY AVENUE FAQs
What would the monthly payment be for 409 E GULLEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,673/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 409 E GULLEY AVENUE?+
The most recent tax bill on record (2024) was $4,175. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 409 E GULLEY AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Oakland?+
At $499,999, this home is listed about 37% below the Oakland median of $796,000. The market section on this page shows how the area is trending.
Which schools are assigned to 409 E GULLEY AVENUE?+
Tildenville Elementary (elementary), Lakeview Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the OAKLAND 34760 market on paper
$499,999 is 56% below the OAKLAND 34760 median of $1,125,000, and at $307/sqft it sits under the Oakland average of $325.
02Fresh on the market
Only 1 day on market in a Oakland market that averages 54 — if it fits, move quickly.
03Strong assigned schools
Tildenville Elementary, Lakeview Middle, West Orange High — Tildenville Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOMEVEST REALTY · Erica Diaz. MLS #O6428041.
IDX 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 accurate by Stellar MLS.
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