David Ramirez
$399,900$439,9002 bd1.5 ba816 sqft$490 /sqft$3,448 /mo all-in ↓

1140 S ORLANDO AVENUE UNIT H3, MAITLAND, FL, 32751

Active56 days on marketListed Jun 18, 2026MLS #O6415783

Reduced $40KWaterfrontCondominiumLAKE MAITLAND TERRACE APTS

About this home

1140 S ORLANDO AVENUE UNIT H3

Virtually Staged. RARE LAKEFRONT opportunity to Live right on LAKE MAITLAND! Sip your morning coffee with one of the most premier views in the entire community! BONUS: It's on the main FIRST floor, so NO STAIRS! Just a pure unencumbered view of Lake Maitland right from your living room! And only a few steps to the dock or community pool!! This unit has the EXTRA HALF BATHROOM and has been tastefully updated to accentuate it's incredible mid century modern original features, that are in immaculate condition! There may never be another unit quite like this one! The high end plantation shutters offer privacy when needed, but can stay wide open for that view! Enjoy the remodeled Community POOL & Clubhouse all on the stunning water front of Lake Maitland which is also connected to the Winter Park Chain of Lakes. Plenty of fishing, fun and relaxing to be had on the community dock, shuffleboard and putting green! So many amenities nestled amongst the towering shade trees and mature landscaping. The Mid Century Modern architecture is about as timeless of a look that you can find that fits the Maitland/Winter Park lifestyle. You couldn't ask for a better location at just minutes from downtown Winter Park, Park Ave, SunRail station and all the restaurants surrounding the 17/92 Maitland/Winter Park Corridor. All Units recently had metal roof replacement in 2025 and were just freshly painted as well. It's completely move in ready with all New Luxury Vinyl Plank Flooring, Kitchen and bathroom updates,. This unit has not been available for many years, so don't miss out on this view!

Facts & features

The home at a glance

2

Bedrooms

1.5

Bathrooms

816

Sqft

0.16 ac

Lot size

1964

Year built

One

Levels

$490

Per sqft

Waterfront

Inside

FlooringLuxury Vinyl
AppliancesElectric Water Heater · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
FacesEast
ParkingAssigned
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$546/mo
Taxes (2025)$2,530/yr
PetsNo
CommunityDock · Fishing · Lake · Water Access · Waterfront · Clubhouse · Pool · Sidewalks

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available
WaterPublic

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.

$3,448 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$211
Condo fee — from the listing$546
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-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% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,448/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$211
HOA / condo fee$546
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 $400K
$280KedgeAI estimate $308,842 · range $292K$355K$416K

vs edgeAI estimate

+29.5%

$/sqft vs LAKE MAITLAND TERRACE APTS

$490 vs $398

Days on market

56 vs 42 typical

Where $490/sqft sits among the 7 homes for sale in LAKE MAITLAND TERRACE APTS

2
0
3
1
0
1 · this home
$315–348$348–381$381–415$415–448$448–481$481+

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 Maitland

Map of 1140 S ORLANDO AVENUE UNIT H3

Drive times from this address

Downtown Orlando11 min
Universal Orlando23 min
Orlando Int’l Airport (MCO)30 min
Walt Disney World35 min

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

Get to know Maitland. See the full Maitland guide →

MAITLAND 32751 — neighborhood snapshot

Population

22,853

Median age

38.7

Median income

$94,277

Median home value

$433,100

Avg household

2.27

Households w/ children

2,397

For the school run

Seminole County School District

ElementaryLake Orienta Elementary School★★★★★
MiddleMilwee Middle School★★★★★
HighLyman High School★★★★★

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

The numbers that matter

The Maitland market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$508K$545K

Maitland median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

1 of 7

LAKE MAITLAND TERRACE APTS have cut their price

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

Paper trail

This home's history

CurrentPrice reduced to $399,900 $40K
Jun 18, 2026Listed at $439,900 · 56 days on market since
1964Built · LAKE MAITLAND TERRACE APTS

Reality check

What actually sold near 1140 S ORLANDO AVENUE UNIT H3

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

1140 S ORLANDO AVENUE UNIT F2Sold · Nov ’25

$240,000

1140 S ORLANDO AVENUE UNIT F2 · same community

2 bd · 1 ba · 816 sqft · $294/sqft · 19 DOM

1140 S ORLANDO AVENUE UNIT A5Sold · Jan ’26

$159,000

1140 S ORLANDO AVENUE UNIT A5 · same community

2 bd · 1 ba · 816 sqft · $195/sqft · 38 DOM

1140 S ORLANDO AVENUE UNIT J2Sold · Sep ’25

$255,000

1140 S ORLANDO AVENUE UNIT J2 · same community

1 bd · 1 ba · 816 sqft · $313/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1140 S ORLANDO AVENUE UNIT H3 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1140 S ORLANDO AVENUE UNIT H3 — 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

1140 S ORLANDO AVENUE UNIT H3 FAQs

What would the monthly payment be for 1140 S ORLANDO AVENUE UNIT H3?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,448/mo — principal and interest, the actual property-tax bill, the $546/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 1140 S ORLANDO AVENUE UNIT H3?+

The association fee works out to $546 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1140 S ORLANDO AVENUE UNIT H3?+

The most recent tax bill on record (2025) was $2,530. 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 1140 S ORLANDO AVENUE UNIT H3?+

The listing reports pets: No. 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 Maitland?+

At $399,900, this home is listed about 20% below the Maitland median of $500,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1140 S ORLANDO AVENUE UNIT H3?+

Lake Orienta Elementary School (elementary), Milwee Middle School (middle), Lyman High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

02Know the monthly fee

The association fee is $546/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03The price has already moved

Listed at $439,900, now $399,900 — a $40K cut. The full history is in the market section below.

Listing courtesy of UNITED REAL ESTATE PREFERRED · Christopher Schiffermiller, LLC. MLS #O6415783.

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.

Never miss a listing

New Maitland homes, in your inbox

Like 1140 S ORLANDO AVENUE UNIT H3 but not quite? A daily digest of every new listing in Maitland — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 13, 2026 at 10:27 PM UTC. The listing information on this page last changed on August 13, 2026 at 10:27 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 13, 2026 at 10:27 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 13, 2026 at 10:27 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.