221 SPINDLE PALM COVE, WINTER SPRINGS, FL, 32708
Active34 days on marketListed Jun 30, 2026MLS #O6419339
Come see it
Upcoming open houses
Tue, Aug 4
10:00 AM – 5:00 PM
Please visit sales center 1458 Blumberg Boulevard, Winter Springs FL 32708 to tour this home or call 407-250-8679 with questions.
Wed, Aug 5
10:00 AM – 5:00 PM
Please visit sales center 1458 Blumberg Boulevard, Winter Springs FL 32708 to tour this home or call 407-250-8679 with questions.
Thu, Aug 6
10:00 AM – 5:00 PM
Please visit sales center 1458 Blumberg Boulevard, Winter Springs FL 32708 to tour this home or call 407-250-8679 with questions.
Fri, Aug 7
10:00 AM – 5:00 PM
Please visit sales center 1458 Blumberg Boulevard, Winter Springs FL 32708 to tour this home or call 407-250-8679 with questions.
Sat, Aug 8
10:00 AM – 5:00 PM
Please visit sales center 1458 Blumberg Boulevard, Winter Springs FL 32708 to tour this home or call 407-250-8679 with questions.
About this home
221 SPINDLE PALM COVE
Under Construction. Final opportunity! Don't miss your chance to make this beautiful property yours! With a spacious open concept ground floor, the Catalina II has plenty of room for entertaining. This floorplan features 4 bedrooms, 2.5 bathrooms and a rear-loading 2-car garage. The owner’s suite features an ensuite owner's bath and a walk-in closet. This chef-worthy kitchen features stainless steel appliances, a walk-in pantry, and a breakfast bar.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,678
Sqft
0.04 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$253
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.
$3,327 /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
$3,327/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
+2.9%
$/sqft vs Winter Springs actives
$253 vs $237
Days on market
34 vs 36 typical
Where $253/sqft sits among the 127 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 Winter Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
WINTER SPRINGS 32708 — neighborhood snapshot
Population
48,034
Median age
41.6
Median income
$87,889
Median home value
$352,600
Avg household
2.49
Households w/ children
5,301
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)
84 of 127
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 13% 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 221 SPINDLE PALM COVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$426,809
1309 CORAL BEAN LANE · same community
4 bd · 2.5 ba · 1,678 sqft · $254/sqft · 242 DOM
Sold · Mar ’26$404,990
1304 CRAB APPLE LANE · same community
4 bd · 2.5 ba · 1,678 sqft · $241/sqft · 129 DOM
Sold · Sep ’25$401,138
1323 TARFLOWER DRIVE · same community
3 bd · 2.5 ba · 1,678 sqft · $239/sqft · 69 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 221 SPINDLE PALM COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 221 SPINDLE PALM COVE — 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
221 SPINDLE PALM COVE FAQs
What would the monthly payment be for 221 SPINDLE PALM COVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,327/mo — principal and interest, the actual property-tax bill, the $356/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 221 SPINDLE PALM COVE?+
The association fee works out to $356 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 221 SPINDLE PALM COVE?+
The most recent tax bill on record (2025) was $1,457. 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 221 SPINDLE PALM COVE?+
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 $424,990, this home is listed about 4% above the Winter Springs median of $407,995. The market section on this page shows how the area is trending.
Which schools are assigned to 221 SPINDLE PALM COVE?+
Winter Springs Elementary School (elementary), Milwee Middle School (middle), Winter Springs High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MATTAMY REAL ESTATE SERVICES · Elizabeth Manchester. MLS #O6419339.
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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