David Ramirez
$399,000$420,0003 bd2 ba1,218 sqft$328 /sqft$2,762 /mo all-in ↓

203 SWEETGUM, WINTER SPRINGS, FL, 32708

Active45 days on marketListed Jun 19, 2026MLS #O6417974

Reduced $21KPrivate poolSingle Family ResidenceNORTH ORLANDO TERRACE UNIT 2 SEC 8

About this home

203 SWEETGUM

This meticulously maintained home offers an impressive combination of recent upgrades, thoughtful features, and exceptional outdoor living. The curb appeal is enhanced by professional landscape lighting, while 10-foot access gates on both sides of the property provide convenience and flexibility. A three-zone irrigation system helps maintain the beautifully landscaped grounds year-round. The backyard is designed for relaxation and enjoyment, featuring a sparkling pool with a removable safety fence, a LED pool light replaced in 2025, and a new pool pump and filter installed in 2026. For additional storage, workshop space, or hobby use, the property also includes a substantial 12’ x 20’ steel accessory building. No HOA, so bring your toys, Rv, camper etc! Inside, the garage has been refreshed with newly painted floors and walls and is illuminated by six custom LED light fixtures, creating a bright and functional space. Major system updates provide peace of mind, including a new roof installed in March 2026, a new central air conditioning system installed in March 2025, and a new hot water heater installed in May 2026. Additional recent improvements include a refrigerator replaced in 2024, a dishwasher installed in 2024, a garbage disposal added in 2025, a Google Nest smart thermostat installed in 2026, and an updated master bathroom toilet. With extensive recent improvements, modern conveniences, and pride of ownership evident throughout, this move-in-ready home offers outstanding value and is ready for its next owner to enjoy.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,218

Sqft

0.21 ac

Lot size

2

Garage

1973

Year built

One

Levels

$328

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Thermostat
LaundryIn Garage · Inside
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ParkingBoat · Curb Parking · Driveway · Oversized · RV Parking · Workshop in Garage
ExteriorIrrigation System · Lighting · Private Yard · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$925/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Fire Hydrant · Phone Available · Street Lights
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.

$2,762 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$77
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-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% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$2,762/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$77
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 $399K
$204KedgeAI estimate $305,897 · range $212K$361K$415K

vs edgeAI estimate

+30.4%

$/sqft vs Winter Springs actives

$328 vs $240

Days on market

45 vs 38 typical

Where $328/sqft sits among the 128 Winter Springs actives

24
29
26
31
10
8 · this home
$172–200$200–227$227–254$254–281$281–309$309+

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 North Orlando Terrace

Map of 203 SWEETGUM inside its neighborhood boundary

Drive times from this address

Downtown Orlando24 min
Universal Orlando36 min
Orlando Int’l Airport (MCO)38 min
Walt Disney World49 min

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

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

North Orlando Terrace — neighborhood snapshot

Population

1,768

Median age

39

Median income

$76,349

Median home value

$267,812

Avg household

3

Households w/ children

254

For the school run

Seminole County School District

ElementaryWinter Springs Elementary School★★★★★
HighWinter Springs High School★★★★★
MiddleIndian Trails Middle School★★★★

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

The numbers that matter

The Winter Springs market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$433K$432K

Winter Springs median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

83 of 128

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 6% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →

Paper trail

This home's history

CurrentPrice reduced to $399,000 $21K
Jun 19, 2026Listed at $420,000 · 45 days on market since
1973Built · NORTH ORLANDO TERRACE UNIT 2 SEC 8

Reality check

What actually sold near 203 SWEETGUM

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

422 S HAWTHORN CIRCLESold · Oct ’25

$380,000

422 S HAWTHORN CIRCLE · same community

3 bd · 2 ba · 1,334 sqft · $285/sqft · 5 DOM

201 SWEETGUM COURTSold · Aug ’25

$285,000

201 SWEETGUM COURT · same community

4 bd · 2 ba · 1,544 sqft · $185/sqft · 8 DOM

416 S HAWTHORN CIRCLESold · Aug ’25

$365,000

416 S HAWTHORN CIRCLE · same community

3 bd · 2.5 ba · 1,576 sqft · $232/sqft · 5 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 203 SWEETGUM — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 203 SWEETGUM — 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

203 SWEETGUM FAQs

What would the monthly payment be for 203 SWEETGUM?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,762/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 203 SWEETGUM?+

The most recent tax bill on record (2025) was $925. 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 203 SWEETGUM?+

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 $399,000, this home is listed about 5% below the Winter Springs median of $420,000. The market section on this page shows how the area is trending.

Which schools are assigned to 203 SWEETGUM?+

Winter Springs Elementary School (elementary), Winter Springs High School (high), 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

01Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

02Strong assigned schools

Winter Springs Elementary School, Winter Springs High School, Indian Trails Middle School — Indian Trails Middle School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $420,000, now $399,000 — a $21K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 ALTON CLARK · Joseph Connolly. MLS #O6417974.

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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