115 WILLOWBAY RIDGE STREET, SANFORD, FL, 32771
Active71 days on marketListed Jun 1, 2026MLS #O6411921
About this home
115 WILLOWBAY RIDGE STREET
Welcome to 115 Willowbay Ridge St, a spacious and thoughtfully designed family residence offering generous living areas ideal for both growing and multigenerational households. Each of the four bedrooms provides comfortable proportions, while the oversized Owner’s Suite serves as a true retreat, featuring an updated spa-inspired bathroom with a frameless glass walk-in shower, deep soaking tub, and an impressively large walk-in closet.On the main level, a private home office with French doors creates the perfect space for quiet productivity, while two distinct living areas offer flexible options for a formal sitting room, additional living room, or separate dining room.The home has been beautifully refreshed with a brand-new kitchen showcasing quartz countertops, a matching quartz backsplash, and all-new LG stainless steel appliances, including a stove, microwave, and dishwasher. New luxury vinyl plank (LVP) flooring flows throughout the home, adding a modern, durable, and cohesive finish.Step outside to the expansive covered and screened porch, where you can relax and enjoy the privacy of the fully fenced backyard, complete with firepit perfect for evening gatherings and entertaining.Additional highlights include a 2020 HVAC system, a transferable money saving solar system installed in 2021 for energy efficiency and long-term savings, water heater (March 2024), Pelican water softener (2014), and a roof replacement (2014).Ideally located within walking distance to the scenic Lake Monroe walking and bike path, and just minutes from shopping, I-4 access, and the Central Florida Zoo, this home offers both comfort and convenience in a prime location.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,476
Sqft
0.14 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$174
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.
$3,416 /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
$3,416/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
+19.7%
$/sqft vs Sanford actives
$174 vs $218
Days on market
71 vs 34 typical
Where $174/sqft sits among the 400 Sanford 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 Sanford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sanford. See the full Sanford guide →
SANFORD 32771 — neighborhood snapshot
Population
59,708
Median age
38.7
Median income
$74,520
Median home value
$332,500
Avg household
2.66
Households w/ children
7,359
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sanford market
$354K → $380K
Sanford median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
211 of 400
Sanford actives have cut their price
Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the SANFORD 32771 median. See the full Sanford market guide →
Paper trail
This home's history
Reality check
What actually sold near 115 WILLOWBAY RIDGE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$360,000
161 WALNUT CREST RUN · same community
4 bd · 2.5 ba · 2,476 sqft · $145/sqft · 70 DOM
Sold · Jan ’26$395,000
102 SOMERSET OAKS COURT · same community
4 bd · 2 ba · 1,934 sqft · $204/sqft · 108 DOM
Sold · Dec ’25$544,000
108 WILLOWBAY RIDGE STREET · same community
6 bd · 4 ba · 3,479 sqft · $156/sqft · 43 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 115 WILLOWBAY RIDGE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 115 WILLOWBAY RIDGE STREET — 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
115 WILLOWBAY RIDGE STREET FAQs
What would the monthly payment be for 115 WILLOWBAY RIDGE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,416/mo — principal and interest, the actual property-tax bill, the $50/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 115 WILLOWBAY RIDGE STREET?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 115 WILLOWBAY RIDGE STREET?+
The most recent tax bill on record (2025) was $5,810. 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 115 WILLOWBAY RIDGE STREET?+
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 Sanford?+
At $430,000, this home is listed about 12% above the Sanford median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 115 WILLOWBAY RIDGE STREET?+
Goldsboro Elementary Magnet (elementary), Idyllwilde Elementary School (elementary), Bentley Elementary School (elementary), Seminole High School (high), Wilson Elementary School (elementary), Markham Woods 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
$430,000 runs 20% above the SANFORD 32771 median — but at 2,476 sqft it's also 41% larger than the typical Sanford listing.
02Time on market is leverage
71 days on market against a Sanford median of 34 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Goldsboro Elementary Magnet, Idyllwilde Elementary School, Bentley Elementary School, Seminole High School, Wilson Elementary School, Markham Woods Middle School — Goldsboro Elementary Magnet rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $435,000, now $430,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Gena Gilleland. MLS #O6411921.
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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