20981 FORT CHRISTMAS ROAD, CHRISTMAS, FL, 32709
Active92 days on marketListed May 9, 2026MLS #O6406456
About this home
20981 FORT CHRISTMAS ROAD
***$5,000 Price Reduction***Motivated Seller*** Discover the opportunity to own approximately 4.44 acres of residential land in the growing rural community of Christmas, Florida. Located on Fort Christmas Road, this spacious parcel offers the perfect balance of privacy, natural surroundings, and future potential. Zoned R-CE, the property presents an excellent opportunity for a custom home site, homestead, or long-term investment. With approximately 565 feet by 276 feet of land dimensions and road frontage access, the parcel provides flexibility for residential development while maintaining the peaceful charm of East Orange County living. Conveniently located near major roadways with access to Orlando, Titusville, and surrounding areas, this property allows you to enjoy country-style living without being too far from city amenities. The area continues to experience growth and development, making this an attractive option for buyers seeking land with future appreciation potential. Property Highlights: Approx. 4.44 Acres Zoned R-CE Residential Approx. 565’ x 276’ dimensions Road frontage access No HOA information reported Buildable residential potential Convenient access to East Orange County and surrounding communities Whether you are looking to build now or invest for the future, this property offers endless possibilities in a rapidly developing area of Central Florida.
Facts & features
The home at a glance
4.44 ac
Lot size
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.
$2,583 /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
$2,583/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.
Where it sits
Inside Christmas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$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 24% above the CHRISTMAS 32709 median. See the full Christmas market guide →
Paper trail
This home's history
Reality check
What actually sold near 20981 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.
Sold · Dec ’25$320,539
21183 FORT CHRISTMAS ROAD
3 bd · 2 ba · 1,368 sqft · $234/sqft · 162 DOM
Sold · May ’26$605,000
21038 REINDEER ROAD
3 bd · 2.5 ba · 1,550 sqft · $390/sqft · 31 DOM
Sold · Mar ’26$400,000
4072 N FORT CHRISTMAS ROAD
3 bd · 2 ba · 1,728 sqft · $231/sqft · 0 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 20981 FORT CHRISTMAS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20981 FORT CHRISTMAS ROAD — 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
20981 FORT CHRISTMAS ROAD FAQs
What would the monthly payment be for 20981 FORT CHRISTMAS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,583/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 20981 FORT CHRISTMAS ROAD?+
The most recent tax bill on record (2025) was $16,928. 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 $160,000, this home is listed about 50% below the Christmas median of $316,950. The market section on this page shows how the area is trending.
Which schools are assigned to 20981 FORT CHRISTMAS ROAD?+
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
$160,000 runs 24% above the CHRISTMAS 32709 median.
02Time on market is leverage
92 days on market against a Christmas median of 39 — sellers in this position are usually ready to negotiate.
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 $165,000, now $160,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VALSTAR REALTY LLC · Jonathan Sanders. MLS #O6406456.
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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