821 E CHURCH STREET, ORLANDO, FL, 32801
Active23 days on marketListed Jul 14, 2026MLS #O6422231
About this home
821 E CHURCH STREET
Situated in the heart of Thornton Park on a gorgeous corner lot, 821 E. Church Street offers a rare combination of historic charm and exceptional walkability. The main house features two bedrooms, two updated bathrooms, and a large multi-purpose utility room that can function as an appliance garage/laundry center/bike room/mudroom. Although it looks like a single-family home, there is also a separate 1-bedroom/1-bathroom cottage. The cottage is spacious and updated with a full kitchen, and includes a dishwasher, a built-in microwave, and its own separate laundry closet. This property also boasts a real downtown rarity – two covered parking spaces. The roofed 480 sq. ft carport includes an exterior storage closet. This property offers several vignettes for outdoor living, including a welcoming front porch perfect for morning coffee, a paver side patio perfect for grilling, a sizable backyard fenced on two sides, updated landscaping, mango and lemon trees, and a beautiful canopy of majestic live oaks for shade. Nestled just minutes from Lake Eola and Thornton Park dining venues, you don’t have to fight for Sunday farmer’s market parking. The downtown Orlando business, arts, and entertainment district offers one of Orlando's most desirable urban lifestyles and is just a short stroll away. This property offers exceptional flexibility: live in the home and have a separate guesthouse, or install a mother-in-law in the cottage for multi-generational living, or use the property as two rental units for long-term investment value. Each home is separately metered and each has its own front and back doors. This home is fortuitously located just outside of the historic district, giving it unlimited future potential without oversight of historic preservation’s cumbersome restrictions. Orlando’s most famous street is in transition, as can be seen by the new, large single-family homes constructed recently just a few doors down.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,660
Sqft
0.16 ac
Lot size
1953
Year built
One
Levels
$409
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.
$4,825 /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
$4,825/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.
$/sqft vs Orlando actives
$409 vs $248
Days on market
23 vs 41 typical
Where $409/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 Thornton Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Thornton Park — neighborhood snapshot
Population
806
Median age
38
Median income
$124,776
Median home value
$496,992
Avg household
2
Households w/ children
41%
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 → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
174 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 234% above the ORLANDO 32801 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 821 E CHURCH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$600,000
819 E PINE STREET · same community
2 bd · 2 ba · 1,390 sqft · $432/sqft · 33 DOM
Sold · Feb ’26$695,000
705 E PINE STREET · same community
3 bd · 2.5 ba · 2,103 sqft · $330/sqft · 123 DOM
Sold · Apr ’26$1,025,000
716 E PINE STREET · same community
4 bd · 3 ba · 2,271 sqft · $451/sqft · 127 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 821 E CHURCH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 821 E CHURCH STREET — 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
821 E CHURCH STREET FAQs
What would the monthly payment be for 821 E CHURCH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,825/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 821 E CHURCH STREET?+
The most recent tax bill on record (2025) was $8,957. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Orlando?+
At $679,000, this home is listed about 74% above the Orlando median of $390,990. The market section on this page shows how the area is trending.
Which schools are assigned to 821 E CHURCH STREET?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$679,000 runs 234% above the ORLANDO 32801 median.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Hillcrest Elementary, Lake Como School, Edgewater High — Hillcrest Elementary rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Kymberly Rodgers. MLS #O6422231.
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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