676 SANDY NECK LANE UNIT 102, ALTAMONTE SPRINGS, FL, 32714
Active161 days on marketListed Feb 26, 2026MLS #O6385364
About this home
676 SANDY NECK LANE UNIT 102
One or more photo(s) has been virtually staged. Move right into this beautifully updated 3 bedroom, 2 bath condo in a prime location. Featuring a 1 car garage and a bright, open layout, this home offers an updated kitchen with modern finishes and an upgraded primary bath for a fresh, turnkey feel. The spacious living and dining areas flow effortlessly, making it ideal for both everyday living and entertaining. Enjoy low maintenance living with community amenities and convenient access to top rated schools, shopping, dining, and major roadways. Whether you’re a first time buyer, downsizing, or looking for a smart investment, this one checks all the boxes. Schedule your showing today and see it for yourself.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,230
Sqft
0.02 ac
Lot size
1
Garage
2003
Year built
One
Levels
$207
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.
$2,674 /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
$2,674/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
−11.2%
$/sqft vs KEY WEST A CONDO
$207 vs $170
Days on market
161 vs 45 typical
Where $207/sqft sits among the 7 homes for sale in KEY WEST A 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 Altamonte Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
The numbers that matter
The Altamonte Springs market
$313K → $288K
Altamonte Springs median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
4 of 7
KEY WEST A CONDO have cut their price
Median sold price, Altamonte Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the Altamonte Springs median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 676 SANDY NECK LANE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$250,000
980 MOORING AVENUE UNIT 103 · same community
2 bd · 2 ba · 1,230 sqft · $203/sqft · 163 DOM
Sold · Apr ’26$250,000
980 MOORING AVENUE UNIT 103 · same community
2 bd · 2.5 ba · 1,230 sqft · $203/sqft · 0 DOM
Sold · Aug ’25$245,000
696 SEABROOK COURT UNIT 101 · same community
3 bd · 2 ba · 1,230 sqft · $199/sqft · 108 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 676 SANDY NECK LANE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 676 SANDY NECK LANE UNIT 102 — 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
676 SANDY NECK LANE UNIT 102 FAQs
What would the monthly payment be for 676 SANDY NECK LANE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,674/mo — principal and interest, the actual property-tax bill, the $580/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 676 SANDY NECK LANE UNIT 102?+
The association fee works out to $580 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 676 SANDY NECK LANE UNIT 102?+
The most recent tax bill on record (2025) was $3,839. 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 676 SANDY NECK LANE UNIT 102?+
The listing reports pets: Breed Restrictions. 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 Altamonte Springs?+
At $255,000, this home is listed about 28% above the Altamonte Springs median of $198,500. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$255,000 runs 28% above the Altamonte Springs median.
02Know the monthly fee
The association fee is $580/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
161 days on market against a Altamonte Springs median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $259,000, now $255,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAINFRAME REAL ESTATE · Jennifer Harned. MLS #O6385364.
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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