4812 N FORT CHRISTMAS ROAD, CHRISTMAS, FL, 32709
Active97 days on marketListed May 4, 2026MLS #A4692438
About this home
4812 N FORT CHRISTMAS ROAD
Motivated seller! This 5.42-acre residential lot in offers space, potential, and a convenient location. Recent environmental shows 100% wetland coverage on the property. With the proper mitigation credits and approvals, there's a path for future development, making this a great custom home site or long-term land investment. Electric is available at the street, and the property is located in a quiet neighborhood near Waterford Lakes Town Center, great schools, UCF, and a reasonable drive to the beach.
Facts & features
The home at a glance
5.42 ac
Lot size
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.
$968 /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
$968/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.
Where it sits
Inside Christmas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Christmas. See the full Christmas guide →
CHRISTMAS 32709 — neighborhood snapshot
Population
1,665
Median age
40.9
Median income
$83,015
Median home value
$293,200
Avg household
2.61
Households w/ children
176
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Christmas market
$353K → $577K
Christmas median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
Median sold price, Christmas, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the CHRISTMAS 32709 median. See the full Christmas market guide →
Paper trail
This home's history
Reality check
What actually sold near 4812 N FORT CHRISTMAS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$740,000
18618 LAKE PICKETT ROAD
3 bd · 2 ba · 1,128 sqft · $656/sqft · 89 DOM
Sold · Feb ’26$445,000
4604 N FORT CHRISTMAS ROAD
2 bd · 2 ba · 1,146 sqft · $388/sqft · 12 DOM
Sold · Mar ’26$400,000
4072 N FORT CHRISTMAS ROAD
3 bd · 2 ba · 1,728 sqft · $231/sqft · 0 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4812 N FORT CHRISTMAS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4812 N FORT CHRISTMAS ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4812 N FORT CHRISTMAS ROAD FAQs
What would the monthly payment be for 4812 N FORT CHRISTMAS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $968/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 4812 N FORT CHRISTMAS ROAD?+
The most recent tax bill on record (2025) was $1,802. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Christmas?+
At $104,000, this home is listed about 67% below the Christmas median of $316,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4812 N FORT CHRISTMAS ROAD?+
East River High (high), Corner Lake Middle (middle), Columbia Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the CHRISTMAS 32709 market on paper
$104,000 is 19% below the CHRISTMAS 32709 median of $129,000.
02Time on market is leverage
97 days on market against a Christmas median of 39 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
East River High, Corner Lake Middle, Columbia Elementary — Columbia Elementary rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $119,000, now $104,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JOSEPH WALTER REALTY LLC · Scott Fader. MLS #A4692438.
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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