525 SADDLEWOOD LANE, WINTER SPRINGS, FL, 32708
Active42 days on marketListed Jun 27, 2026MLS #O6416232
About this home
525 SADDLEWOOD LANE
Pride of ownership is evident throughout this beautifully updated, MOVE-IN PERFECT, one-owner home located in the highly sought-after WINDING HOLLOW community of Winter Springs. This ideal two-story floor plan offers 4 BEDROOMS, 3 FULL BATHS, BONUS ROOM, 3-CAR GARAGE, and a LARGE SCREENED LANAI, showcasing timeless style, thoughtful updates, and versatility with TILE FLOORING throughout the first floor and LAMINATE WOOD FLOORING upstairs. The bright, OPEN-CONCEPT floor plan offers exceptional flow and is perfect for entertaining, featuring spacious formal living and dining rooms with soaring ceilings that create an inviting sense of space. The heart of the home is the beautifully designed ISLAND KITCHEN, perfectly positioned between the breakfast nook and impressive family room with 18-FOOT CEILINGS and dramatic upper windows that flood the home with natural light. The kitchen features GRANITE COUNTERTOPS, ABUNDANT WOOD CABINETRY with PULL-OUT DRAWERS, STAINLESS STEEL APPLIANCES, PANTRY, and convenient access to the garage and laundry room with additional storage. The spacious FIRST-FLOOR PRIMARY SUITE offers a sitting area, TWO WALK-IN CLOSETS, and an updated spa-inspired bath featuring a SOAKING TUB, GLASS SHOWER, and DUAL QUARTZ VANITIES, creating the perfect private retreat. A SPLIT FIRST-FLOOR GUEST SUITE with a full bath provides ideal accommodations for visitors or MULTI-GENERATIONAL LIVING. Upstairs you’ll find BEDROOMS 3 & 4, a full hallway bath, and a versatile BONUS ROOM/FLEX SPACE with a walk-in closet overlooking the family room below. Easily used as a 5TH BEDROOM, MEDIA ROOM, PLAYROOM, HOME OFFICE, or HOME GYM, this flexible space adapts to your family’s needs. Enjoy Florida living year-round from the expansive TILED SCREENED LANAI, accessible from the formal living room, family room, and primary suite while overlooking the PRIVATE, LUSHLY TREED BACKYARD. Additional highlights include PLANTATION SHUTTERS THROUGHOUT, a spacious 3-CAR GARAGE with overhead storage, an EXPANDED BRICK-PAVER DRIVEWAY, 2018 ROOF, TWO ZONED A/C SYSTEMS (2022 & 2019), 2019 WATER HEATER, and COMPLETE PLUMBING REPIPE (2025). Ideally located WITHIN WALKING DISTANCE TO THE CROSS SEMINOLE TRAIL & CENTRAL WINDS PARK, and just minutes from TOP-RATED WINTER SPRINGS SCHOOLS, shopping, dining, SR 417, and US 17-92, this exceptional home truly offers the perfect combination of LOCATION, LIFESTYLE, AND VALUE. WELCOME HOME!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,246
Sqft
0.21 ac
Lot size
3
Garage
1996
Year built
Two
Levels
$211
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.
$4,490 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,490/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Winter Springs actives
$211 vs $242
Days on market
42 vs 38 typical
Where $211/sqft sits among the 122 Winter Springs 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 Winding Hollow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Winding Hollow — neighborhood snapshot
Population
1,252
Median age
46
Median income
$97,519
Median home value
$350,921
Avg household
2
Households w/ children
136
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Springs market
$433K → $440K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
81 of 122
Winter Springs actives have cut their price
Median sold price, Winter Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 525 SADDLEWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$551,000
421 WOODCREST STREET · same community
4 bd · 3 ba · 2,374 sqft · $232/sqft · 2 DOM
Sold · Apr ’26$570,000
523 SADDLEWOOD LANE · same community
4 bd · 3 ba · 2,315 sqft · $246/sqft · 38 DOM
Sold · Aug ’25$559,000
433 WOODCREST STREET · same community
4 bd · 3 ba · 2,315 sqft · $241/sqft · 49 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 525 SADDLEWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 525 SADDLEWOOD LANE — 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
525 SADDLEWOOD LANE FAQs
What would the monthly payment be for 525 SADDLEWOOD LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,490/mo — principal and interest, the actual property-tax bill, the $42/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 525 SADDLEWOOD LANE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 525 SADDLEWOOD LANE?+
The most recent tax bill on record (2025) was $4,016. 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 525 SADDLEWOOD LANE?+
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 Winter Springs?+
At $685,000, this home is listed about 71% above the Winter Springs median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 525 SADDLEWOOD LANE?+
Winter Springs High School (high), Layer Elementary School (elementary), Indian Trails 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
$685,000 runs 83% above the WINTER SPRINGS 32708 median — but at 3,246 sqft it's also nearly twice the size of the typical Winter Springs listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Winter Springs High School, Layer Elementary School, Indian Trails Middle School — Layer Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX TOWN & COUNTRY REALTY · Rob Breese, III. MLS #O6416232.
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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