David Ramirez
$550,000$649,000≈$3,710 /mo all-in ↓

LOT 9 FORT CHRISTMAS ROAD, CHRISTMAS, FL, 32709

Active255 days on marketListed Nov 29, 2025MLS #G5105002

✦ Reduced $99KCHRISTMAS RANCH

About this home

LOT 9 FORT CHRISTMAS ROAD

21862 FORT CHRISTMAS RD, CHRISTMAS, FL 32709. Discover Your Private Florida Retreat, Zoning A-2: Located in the heart of Christmas, FL, this remarkable 20.39-ACRE property spans approximately 249 feet wide and 3,850 feet long, offering unmatched space and versatility. June 2020 SURVEY AVAILABLE, NO HOA, CDD or time limit to build. Most of the value is in the LAND, the mobile does have an existing septic and well. A man-made pond adds charm and functionality, perfect for relaxation, or enhancing the natural beauty of your future homestead. Whether you envision building a custom home, creating an equestrian paradise, this property delivers endless possibilities. The land provides a serene escape from the hustle and bustle while remaining conveniently close to Orlando, beaches, and major highways. Enjoy breathtaking sunrises, design a ranch with plenty of room to grow bring your RV and boat. Don’t miss this rare opportunity to own a vast piece of Florida’s landscape—your dream property awaits! The address to the property is: 21862 FORT CHRISTMAS RD, CHRISTMAS, FL 32709

Facts & features

The home at a glance

20.39 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

Taxes (2025)$830/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electrical Nearby
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,710 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$69
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $19,250
Interest rate6.00%
Loan term

Estimated payment

$3,710/mo

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$69
Est. insurance$160

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 Ranch

Map of LOT 9 FORT CHRISTMAS ROAD inside its neighborhood boundary

Drive times from this address

Downtown Orlando≈ 34 min
Orlando Int’l Airport (MCO)≈ 43 min
Universal Orlando≈ 47 min
Walt Disney World≈ 59 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Christmas. See the full Christmas guide →

Christmas Ranch — neighborhood snapshot

Population

103

Median age

21

Median income

$35,746

Avg household

3

Households w/ children

10%

For the school run

Orange County School District

ElementaryColumbia Elementary★★★★★
MiddleCorner Lake Middle★★★★★
HighEast River High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Christmas market

Seller’s marketSeller’s market — 2.4 months of inventoryBuyer’s 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 326% above the CHRISTMAS 32709 median. See the full Christmas market guide →

Paper trail

This home's history

CurrentPrice reduced to $550,000 ▼ $99K
Nov 29, 2025Listed at $649,000 · 255 days on market since

Reality check

What actually sold near LOT 9 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.

21183 FORT CHRISTMAS ROADSold · Dec ’25

$320,539

21183 FORT CHRISTMAS ROAD

3 bd · 2 ba · 1,368 sqft · $234/sqft · 162 DOM

21038 REINDEER ROADSold · May ’26

$605,000

21038 REINDEER ROAD

3 bd · 2.5 ba · 1,550 sqft · $390/sqft · 31 DOM

21343 REINDEER ROADSold · Sep ’25

$466,000

21343 REINDEER ROAD

3 bd · 2 ba · 1,846 sqft · $252/sqft · 89 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about LOT 9 FORT CHRISTMAS ROAD — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for LOT 9 FORT CHRISTMAS ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

LOT 9 FORT CHRISTMAS ROAD FAQs

What would the monthly payment be for LOT 9 FORT CHRISTMAS ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,710/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 LOT 9 FORT CHRISTMAS ROAD?+

The most recent tax bill on record (2025) was $830. 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 LOT 9 FORT CHRISTMAS ROAD?+

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 Christmas?+

At $550,000, this home is listed about 74% above the Christmas median of $316,950. The market section on this page shows how the area is trending.

Which schools are assigned to LOT 9 FORT CHRISTMAS ROAD?+

Columbia Elementary (elementary), Corner Lake Middle (middle), East River High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$550,000 runs 326% above the CHRISTMAS 32709 median.

02Time on market is leverage

255 days on market against a Christmas median of 39 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Columbia Elementary, Corner Lake Middle, East River High — Columbia Elementary rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $649,000, now $550,000 — a $99K cut. The full history is in the market section below.

Listing courtesy of STAKE YOUR LAND REALTY, INC. · Katina Hargrove. MLS #G5105002.

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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