122 STONE GABLE CIR, WINTER SPRINGS, FL, 32708
Active325 days on marketListed Sep 3, 2025MLS #O6340870
About this home
122 STONE GABLE CIR
Virtually Staged. PRICED TO SELL AT 469,900!! *** A 4 BEDROOM-FOOTPRINT IS ALREADY RECORDED IN SEMINOLE COUNTY RECORDS, SO THIS 3 BEDROOM HOUSE CAN EASILY GIVE YOU THE ADDED VALUE AND OPPORTUNITY OVERLOOKING SERENE CONSERVATION & POND VIEW. *** WELCOME TO A BEAUTIFULLY MAINTAINED HOME OFFERING UNMATCHED LAYOUT FLEXIBILITY, AND PEACE OF MIND WITH A STRONG MECHANICAL FOUNDATION: FEATURING ROOF, A/C & WATER HEATER UPDATED IN 2017. STEP INSIDE TO AN INTERIOR THAT FEELS FRESH AND BRAND NEW WITH FRESH INTERIOR PAINT THROUGHOUT, GORGEOUS NEW WOOD FLOORING AND PRISTINE NEW CARPET UPSTAIRS. EVERY WINDOW IS ELEVATED WITH CLASSIC, HIGH-END WOOD SHUTTERS. THE SPACIOUS, LIGHT-FILLED KITCHEN IS A CHEF'S DELIGHT, BOASTING PREMIUM STONE COUNTERS, STONE BACKSPLASH AND SLEEK STAINLESS STEEL APPLIANCES THAT COMPLEMENT A GOURMET GAS RANGE AND ENOUGH ROOM FOR A KITCHEN TABLE. THE ADJACENT FAMILY ROOM OFFERS DURABLE, ELEGANT TRAVERTINE FLOORING, WHICH FLOWS TOWARD A STRIKING STAIRCASE ADORNED WITH CUSTOM IRON AND WOOD RAILING. STEP OUT THE SLIDING DOORS INTO A CUSTOM SANCTUARY FEATURING A PREMIUM ARCHITECTURAL TRELLIS SYSTEM THAT ALLOWS YOU TO SHIFT THE LOUVERED BLADES FOR INSTANT SHADE OR FULL FLORIDA SUN. THIS PRIVATE BACK YARD PERFECTLY FRAMES AN UNTOUCHED CONSERVATION AREA AND SCENIC NEIGHBORHOOD POND. THE 2ND FLOOR HOUSES A GRAND PRIMARY SUITE COMPLETE WITH VAULTED CEILINGS AND A PEACEFUL PRIVATE WINDOW VIEW OVERLOOKING THE BACKYARD OASIS. THE 2ND FLOOR LOFT/FLEX ROOM MAY BE MADE INTO A 4TH BEDROOM OR OFFICE. COMPLETE WITH CLEAN 2 CAR GARAGE. THIS MOVE-IN WINTER SPRINGS GEM OFFERS THE PERFECT BLEND OF MODERN COSMETIC UPDATES, SOLID MECHANICAL HISTORY AND SERENE PRIVACY. LOCATION OFFERS TOP-RATED SCHOOLS, DINNING AND SHOPPING. THIS PROPERTY IS A RARE FIND! SCHEDULE YOUR SHOWING BEFORE IT IS GONE!!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,147
Sqft
0.13 ac
Lot size
2
Garage
1999
Year built
Two
Levels
$219
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 and the real association fee — not generic estimates.
$3,708 /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
$3,708/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
−7.9%
$/sqft vs Winter Springs actives
$219 vs $245
Days on market
325 vs 38 typical
Where $219/sqft sits among the 138 Winter Springs 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 Stone Gable
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Stone Gable — neighborhood snapshot
Population
482
Median age
49
Median income
$90,658
Median home value
$339,600
Avg household
2
Households w/ children
53%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Springs market
$420K → $462K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
89 of 138
Winter Springs actives have cut their price
Median sold price, Winter Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 STONE GABLE CIR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$710,000
130 E BAHAMA ROAD
4 bd · 2 ba · 2,158 sqft · $329/sqft · 23 DOM
Sold · Oct ’25$484,400
601 MARLIN ROAD
4 bd · 3 ba · 2,093 sqft · $231/sqft · 387 DOM
Sold · Oct ’25$590,000
817 SHALLOW BROOK AVENUE
4 bd · 3 ba · 2,208 sqft · $267/sqft · 21 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 122 STONE GABLE CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 STONE GABLE CIR — 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
122 STONE GABLE CIR FAQs
What would the monthly payment be for 122 STONE GABLE CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,708/mo — principal and interest, the actual property-tax bill, the $58/mo association fee 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.
How much are the HOA fees at 122 STONE GABLE CIR?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 122 STONE GABLE CIR?+
The most recent tax bill on record (2024) was $6,186. 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 122 STONE GABLE CIR?+
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 Springs?+
At $469,900, this home is listed about 12% above the Winter Springs median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 122 STONE GABLE CIR?+
Layer Elementary School (elementary), Winter Springs High School (high), Indian Trails Middle School (middle) — Seminole 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
$469,900 runs 25% above the WINTER SPRINGS 32708 median — but at 2,147 sqft it's also 27% larger than the typical Winter Springs listing.
02Time on market is leverage
325 days on market against a Winter Springs median of 38 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Layer Elementary School, Winter Springs High School, Indian Trails Middle School — Layer Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $499,000, now $469,900 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME WISE REALTY GROUP, INC. · Connie Shepherd. MLS #O6340870.
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.
Never miss a listing
New Winter Springs homes, in your inbox
Like 122 STONE GABLE CIR but not quite? A daily digest of every new listing in Winter Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →