20963 E COLONIAL DRIVE, CHRISTMAS, FL, 32709
Active73 days on marketListed May 8, 2026MLS #O6406174
About this home
20963 E COLONIAL DRIVE
RARE-2.36-ACRE TURNKEY POOL HOME & BARN - NO HOA-- Oversized BOAT/RV Pad with dedicated power, Ice cold Gym with new Mini-Split, Workshop & Garden/Tool room! Barn is primed for conversion to a BARNDOMINIUM/ADU or bring your LIVESTOCK & Garden Dreams. OFF GRID LIVING with SOLAR POWER is not out of the question here! Both BLOCK CONSTRUCTION buildings are on solid cement slabs that sit HIGH AND DRY! Storm ready and complete with recent UPGRADES: Water Heater-2019, Both Roofs-2022, Electric-2018, Dual Zoned HVAC-2021, Pool Resurfaced-2019, Well System-2018, Septic Pumped-2022, Driveway Paved-2021, Main House Hurricane Windows-2020, Barn Hurricane Windows-2025, Barn Automatic Garage Door-2025, Flooring Main House-2024, Wet Bar-2024. LOW OPERATING COSTS: Main house electric averages $160-$350/Month seasonally. Barn runs $33-$140 depending on use. All systems maintained with full service records. This Beautiful Fully Fenced, Ranch style home with a Security Gate is a SPLIT PLAN, 5 Bedroom, 2.5 Bath PRIVATE RETREAT in Christmas. Location is everything, this home is near all things FUN and Business yet remains private and peaceful! ITS LOCATION IS MORE CONVENIENT THAN YOU WOULD THINK! 25 Minutes to OIA, 20 Minutes to Titusville/Space Coast, 35 Minutes to SpaceX/Beaches, 20 minutes to Orlando, UCF, Shopping, Restaurants and ONLY 10 MINUTES to Fishing with Boat Launches, Famous Air-Boat tours, vast nature preserves including, World Class Birding at Orlando Wetlands Park and more! DETAILS THAT MAKE IT HOME: This home and land have extensive thoughtful upgrades throughout including hose bibs strategically placed for safety and convenience. Security light poles with Electricity (great for entertaining), electrical outlets strategically placed for proper yard maintenance and safety, dedicated covered generator port in the screened Florida Room for safe and seamless backup power. The well Filtration system services the home and the Sparkling Blue Pool! The wellhouse is solid construction with power, interior lighting, exterior access to pump valve and the front yard sprinkler system that irrigates many mature FRUIT trees. A manual drip system in the back yard services the landscaping and additional fruit trees. Security Lighting accessible from indoors, and updated interior lighting with dimmers. Beautifully updated bathrooms throughout, Large Primary bedroom boasts en-suite bathroom with his/her sinks, walk-in Shower with bench, Large DESIGNER CLOSET and Hurricane slider to the Florida Room overlooking the crystal clear pool and park-like lawn. Take Morning or Evening walks around the Heart Shaped Pond or Sit on the charming bench to watch nature dance on the flowering Lily pads. The well-constructed FIRE PIT is a family favorite and safely designed with a Hose bib within reach! There is a greenspace behind the Barn for reading, meditation or horticulture, hose bib nearby. HORSESHOES ANYONE? There is plenty of room for frisbee, Golf swing practice or even Archery with the well-constructed raised Berm. If you love the farm life, start with CHICKENS and the existing Coop-DeVil. The possibilities are endless, bring your family, dreams and Ideas. They are not making more land, grab this gem and build a lifestyle that lasts for generations!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,498
Sqft
2.36 ac
Lot size
1
Garage
1972
Year built
One
Levels
$310
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.
$4,977 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,977/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs NOT IN A SUBDIVISION
$310 vs $258
Days on market
73 vs 44 typical
Where $310/sqft sits among the 21 homes for sale in NOT IN A SUBDIVISION
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 Christmas
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
$4.4M → $577K
Christmas median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
10 of 21
NOT IN A SUBDIVISION have cut their price
Median sold price, Christmas, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 501% above the CHRISTMAS 32709 median. See the full Christmas market guide →
Paper trail
This home's history
Reality check
What actually sold near 20963 E COLONIAL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$565,000
3865 RABBIT RUN ROAD · same community
3 bd · 2 ba · 2,364 sqft · $239/sqft · 38 DOM
Sold · May ’26$60,000
19091 SE 95TH STREET · same community
5 bd · 2 ba · 2,206 sqft · $27/sqft · 22 DOM
Sold · Dec ’25$540,900
8825 SELPH ROAD · same community
3 bd · 2 ba · 2,805 sqft · $193/sqft · 97 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 20963 E COLONIAL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20963 E COLONIAL DRIVE — 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
20963 E COLONIAL DRIVE FAQs
What would the monthly payment be for 20963 E COLONIAL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,977/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 20963 E COLONIAL DRIVE?+
The most recent tax bill on record (2025) was $4,135. 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 $775,000, this home is listed about 131% above the Christmas median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20963 E COLONIAL DRIVE?+
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
01Positioned at the premium end
$775,000 runs 501% above the CHRISTMAS 32709 median — but at 2,498 sqft it's also 55% larger than the typical Christmas listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $799,999, now $775,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX TOWN & COUNTRY REALTY. MLS #O6406174.
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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