405 SOUTHERN PECAN CIRCLE UNIT 108, WINTER GARDEN, FL, 34787
Active6 days on marketListed Jul 31, 2026MLS #G5115674
About this home
405 SOUTHERN PECAN CIRCLE UNIT 108
Welcome to this beautifully maintained 2-bedroom, 2-bath first-floor unit with a 1-car garage, located in the highly desirable gated community of Southern Pines in the heart of Winter Garden. Offering the perfect combination of comfort, convenience, and resort-style living, this home is ideal for first-time buyers, downsizers, investors, or anyone seeking a low-maintenance lifestyle. The thoughtfully designed floor plan features spacious living areas, two generously sized bedrooms, and two full bathrooms, all conveniently situated on the first floor for easy access. Enjoy the added value of water, internet, and cable included in the monthly Condo fee, making everyday living both simple and budget-friendly. Southern Pines is known for its outstanding amenities, offering residents a true resort-style experience. Spend your days relaxing by the sparkling pool and hot tub, entertain friends at the BBQ grills and outdoor kitchen, or enjoy the beautifully appointed clubhouse featuring a movie theater, business center, and billiards room. Stay active with the fully equipped fitness center, indoor basketball and racquetball courts, tennis courts, beach volleyball court, and a covered outdoor playground. Additional conveniences include a car wash station and beautifully maintained grounds throughout the community. Ideally located just minutes from Historic Downtown Winter Garden, Winter Garden Village, major highways including SR-429 and the Florida Turnpike, shopping, dining, entertainment, and world-renowned theme parks, this condo offers an unbeatable location with exceptional amenities. Don't miss your opportunity to own a piece of one of Central Florida's most sought-after communities!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
1
Garage
2005
Year built
One
Levels
$216
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.
$1,998 /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
$1,998/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
+10%
$/sqft vs SOUTHERN PINES CONDO
$216 vs $205
Days on market
6 vs 37 typical
Where $216/sqft sits among the 15 homes for sale in SOUTHERN PINES CONDO
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 Winter Garden
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
WINTER GARDEN 34787 — neighborhood snapshot
Population
93,064
Median age
37.4
Median income
$114,988
Median home value
$475,000
Avg household
3.02
Households w/ children
13,499
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
9 of 15
SOUTHERN PINES CONDO have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 405 SOUTHERN PECAN CIRCLE UNIT 108
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$257,000
316 SOUTHERN PECAN CIRCLE UNIT 107 · same community
2 bd · 2 ba · 1,152 sqft · $223/sqft · 25 DOM
Sold · Sep ’25$257,000
430 SOUTHERN PECAN CIRCLE UNIT 101 · same community
2 bd · 2 ba · 1,152 sqft · $223/sqft · 102 DOM
Sold · Feb ’26$265,000
316 SOUTHERN PECAN CIRCLE UNIT 206 · same community
2 bd · 2 ba · 1,276 sqft · $208/sqft · 12 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 405 SOUTHERN PECAN CIRCLE UNIT 108 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 SOUTHERN PECAN CIRCLE UNIT 108 — 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
405 SOUTHERN PECAN CIRCLE UNIT 108 FAQs
What would the monthly payment be for 405 SOUTHERN PECAN CIRCLE UNIT 108?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,998/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 405 SOUTHERN PECAN CIRCLE UNIT 108?+
The most recent tax bill on record (2025) was $3,142. 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 405 SOUTHERN PECAN CIRCLE UNIT 108?+
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 Winter Garden?+
At $249,000, this home is listed about 58% below the Winter Garden median of $589,000. The market section on this page shows how the area is trending.
Which schools are assigned to 405 SOUTHERN PECAN CIRCLE UNIT 108?+
Sunridge Elementary (elementary), Sunridge Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the WINTER GARDEN 34787 market on paper
$249,000 is 53% below the WINTER GARDEN 34787 median of $534,450, and at $216/sqft it sits under the Winter Garden average of $279.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Winter Garden market that averages 37 — if it fits, move quickly.
04Strong assigned schools
Sunridge Elementary, Sunridge Middle, West Orange High — Sunridge Middle rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $265,000, now $249,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENIZ REALTY PARTNERS LLC · Ashley Pun. MLS #G5115674.
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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