845 RIVER STONE TRAIL, SANFORD, FL, 32771
Active49 days on marketListed Jun 5, 2026MLS #O6413758
About this home
845 RIVER STONE TRAIL
Under Construction. Welcome to 845 River Stone Trail in Sanford, Florida: a new construction single-story home thoughtfully designed with 4 bedrooms, 3 full bathrooms, and 2,194 square feet of well-planned living space. Step inside to discover an open-concept living space that creates a seamless flow between the main gathering areas of the home. The single-story floorplan ensures easy accessibility throughout, with quality design details evident in every room. Additional features include a spacious owner's bedroom with a private en-suite bathroom and a walk-in closet, a covered lanai for outdoor enjoyment, and a 2-car garage. This home is situated within a well-established community that provides convenient proximity to parks and recreational areas, making it easy to enjoy an active outdoor lifestyle. With its quality construction, functional floorplan, and desirable neighborhood setting, this home delivers a well-rounded living experience for families and individuals alike.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,194
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$242
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.
$3,837 /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
$3,837/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
+3.6%
$/sqft vs Sanford actives
$242 vs $217
Days on market
49 vs 29 typical
Where $242/sqft sits among the 398 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 → $383K
Sanford median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
202 of 398
Sanford actives have cut their price
Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the SANFORD 32771 median. See the full Sanford market guide →
Paper trail
This home's history
Reality check
What actually sold near 845 RIVER STONE TRAIL
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$499,990
813 RIVER STONE TRAIL · same community
4 bd · 3 ba · 2,194 sqft · $228/sqft · 248 DOM
Sold · Jul ’25$517,990
1161 BASALT LANE · same community
4 bd · 3 ba · 2,194 sqft · $236/sqft · 27 DOM
Sold · May ’26$529,990
797 RIVER STONE · same community
4 bd · 3 ba · 2,194 sqft · $242/sqft · 39 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 845 RIVER STONE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 845 RIVER STONE TRAIL — 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
845 RIVER STONE TRAIL FAQs
What would the monthly payment be for 845 RIVER STONE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,837/mo — principal and interest, the actual property-tax bill, the $220/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 845 RIVER STONE TRAIL?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 845 RIVER STONE TRAIL?+
The most recent tax bill on record (2025) was $1,231. 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 845 RIVER STONE TRAIL?+
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 $529,990, this home is listed about 45% above the Sanford median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 845 RIVER STONE TRAIL?+
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
Three things that matter here
01Positioned at the premium end
$529,990 runs 52% above the SANFORD 32771 median — but at 2,194 sqft it's also 29% larger than the typical Sanford listing.
02Strong 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.
03The price has already moved
Listed at $544,990, now $529,990 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Stacie Brown Kelly. MLS #O6413758.
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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