David Ramirez
$410,000$425,0003 bd2 ba1,616 sqft$254 /sqft$3,215 /mo all-in ↓

420 E CYPRESS STREET, WINTER GARDEN, FL, 34787

Active53 days on marketListed Jun 1, 2026MLS #O6412414

Priced 23% below the WINTER GARDEN 34787 medianReduced $15KSingle Family ResidenceOVERSTREET CRATE

Come see it

Upcoming open house

Sun, Jul 26

12:30 PM – 3:30 PM

About this home

420 E CYPRESS STREET

Welcome to this stunning, fully renovated and fully furnished home, perfectly situated on an oversized lot in one of Winter Garden's most exciting and rapidly growing areas. Whether you're looking for a primary residence, a turnkey investment, or a second home, this move-in-ready property offers the perfect blend of comfort, style, and convenience. Inside, you'll find an open-concept floor plan filled with natural light, featuring all-new flooring, recessed lighting throughout, energy-efficient double-pane windows, and a beautifully updated kitchen complete with stainless steel appliances. Major improvements include a new roof and a 3.5-ton AC system, providing peace of mind for years to come. Step outside and enjoy the spacious, fully fenced backyard, offering plenty of room for entertaining, pets, play, or simply relaxing outdoors. Located just one mile from Historic Downtown Winter Garden, you'll enjoy easy access to award-winning dining, shopping, farmers markets, and community events, all while living in a welcoming, family-friendly neighborhood. Fully furnished, beautifully updated, and truly move-in ready, this home offers a rare opportunity to enjoy all that Winter Garden has to offer from day one.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,616

Sqft

0.19 ac

Lot size

1950

Year built

One

Levels

$254

Per sqft

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorKitchen/Family Room Combo · Stone Counters · Vaulted Ceiling(s)
LaundryOther
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame
FoundationSlab
FacesNorth
ExteriorLighting · Other

Community & fees

Taxes (2025)$5,517/yr

Utilities & systems

UtilitiesElectricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,215 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,414
FHA mortgage insurance (est.)$181
Property tax — 2025 actual bill$460
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,350Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,350
Interest rate6.00%
Loan term

Estimated payment

$3,215/mo

Principal & interest$2,414
FHA mortgage insurance (est.)$181
Property taxes (actual bill)$460
Est. insurance$160

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.

List $410K
$390KedgeAI estimate $437,890 · range $406K$480K$499K

vs edgeAI estimate

−6.4%

$/sqft vs Winter Garden actives

$254 vs $261

Days on market

53 vs 31 typical

Where $254/sqft sits among the 400 Winter Garden actives

83
145 · this home
89
33
22
28
$178–223$223–269$269–315$315–361$361–407$407+

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 East Winter Garden

Map of 420 E CYPRESS STREET inside its neighborhood boundary

Drive times from this address

Downtown Orlando18 min
Universal Orlando21 min
Walt Disney World27 min
Orlando Int’l Airport (MCO)33 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Winter Garden. See the full Winter Garden guide →

East Winter Garden — neighborhood snapshot

Population

4,427

Median age

35

Median income

$48,340

Median home value

$232,691

Avg household

4

Households w/ children

414

For the school run

Orange County School District

ElementaryWilliam S Maxey Elementary★★★★★
HighWest Orange High★★★★
MiddleLakeview Middle★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Garden market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$580K$570K

Winter Garden median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

160 of 400

Winter Garden actives have cut their price

Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 23% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →

Paper trail

This home's history

CurrentPrice reduced to $410,000 $15K
Jun 1, 2026Listed at $425,000 · 53 days on market since
1950Built · OVERSTREET CRATE

Reality check

What actually sold near 420 E CYPRESS STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

838 BETHUNE AVENUESold · May ’26

$273,000

838 BETHUNE AVENUE · same community

3 bd · 2 ba · 985 sqft · $277/sqft · 64 DOM

774 CITRUS COVE DRIVESold · Feb ’26

$420,900

774 CITRUS COVE DRIVE

3 bd · 2 ba · 1,613 sqft · $261/sqft · 6 DOM

705 SUNBURST COVE LANESold · Sep ’25

$430,000

705 SUNBURST COVE LANE

4 bd · 2 ba · 1,626 sqft · $264/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 420 E CYPRESS STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 420 E CYPRESS 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.

Goes straight to David’s phone and CRM.

Straight answers

420 E CYPRESS STREET FAQs

What would the monthly payment be for 420 E CYPRESS STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,215/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 420 E CYPRESS STREET?+

The most recent tax bill on record (2025) was $5,517. 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 Winter Garden?+

At $410,000, this home is listed about 31% below the Winter Garden median of $589,945. The market section on this page shows how the area is trending.

Which schools are assigned to 420 E CYPRESS STREET?+

William S Maxey Elementary (elementary), West Orange High (high), Lakeview Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the WINTER GARDEN 34787 market on paper

$410,000 is 23% below the WINTER GARDEN 34787 median of $530,000, and at $254/sqft it sits under the Winter Garden average of $282.

02Strong assigned schools

William S Maxey Elementary, West Orange High, Lakeview Middle — West Orange High rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $425,000, now $410,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS ELITE PARTNERS III REALTY · Trevor Zwick. MLS #O6412414.

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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