1909 FERN CIRCLE, ORLANDO, FL, 32803
Active37 days on marketListed Jun 25, 2026MLS #O6418747
About this home
1909 FERN CIRCLE
This charming Colonialtown South beauty offers the perfect blend of character, comfort, and location. Step inside and you'll immediately be welcomed by a bright, inviting foyer—the perfect space for a cozy reading nook, home office, or morning coffee retreat.The open and airy living area flows seamlessly into the spacious kitchen, creating an ideal setting for everyday living and entertaining. Natural light fills both bedrooms, while a centrally located laundry area provides additional storage and convenience. Just beyond the kitchen, a versatile bonus room offers endless possibilities—whether you're looking for a third bedroom, home office, media room, fitness space, or den.Outside, the fully fenced backyard provides a private oasis with plenty of room to relax, entertain, garden, or enjoy Florida's year-round sunshine. Major updates include a new roof in 2020 and a whole-home water filtration system for added peace of mind.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,325
Sqft
0.21 ac
Lot size
1
Garage
1950
Year built
One
Levels
$321
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 — not generic estimates.
$3,301 /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
$3,301/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
−4.2%
$/sqft vs Orlando actives
$321 vs $251
Days on market
37 vs 34 typical
Where $321/sqft sits among the 400 Orlando 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 Colonialtown South
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Colonialtown South — neighborhood snapshot
Population
1,329
Median age
41
Median income
$68,504
Median home value
$437,200
Avg household
2
Households w/ children
91%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $405K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
172 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the ORLANDO 32803 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 1909 FERN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$435,000
1921 STANLEY STREET · same community
3 bd · 2 ba · 1,366 sqft · $318/sqft · 34 DOM
Sold · May ’26$405,000
433 N HAMPTON AVENUE · same community
2 bd · 1 ba · 1,154 sqft · $351/sqft · 72 DOM
Sold · May ’26$430,000
1905 STANLEY STREET · same community
2 bd · 1 ba · 1,124 sqft · $383/sqft · 3 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 1909 FERN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1909 FERN CIRCLE — 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
1909 FERN CIRCLE FAQs
What would the monthly payment be for 1909 FERN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,301/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 1909 FERN CIRCLE?+
The most recent tax bill on record (2025) was $5,414. 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 1909 FERN CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 Orlando?+
At $425,000, this home is listed about 9% above the Orlando median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1909 FERN CIRCLE?+
Hillcrest Elementary (elementary), Lake Como School (elementary), Edgewater High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Kristin Duncan. MLS #O6418747.
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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