David Ramirez
$459,9003 bd2.5 ba1,959 sqft$235 /sqft$3,238 /mo all-in ↓

416 SAND PEBBLE COVE, LONGWOOD, FL, 32750

Active15 days on marketListed Jul 21, 2026MLS #O6426601

Single Family ResidenceCRYSTAL CREEK UNIT 1

About this home

416 SAND PEBBLE COVE

Nestled at the end of a quiet cul-de-sac in Longwood's Crystal Creek community, this waterfront residence offers the rare combination of tranquil water views behind the home and a picturesque wooded setting across the street, creating a sense of privacy and natural beauty from every direction. Inside, soaring ceilings and a dramatic two-story great room set the tone for the home's open and inviting design. A fireplace anchors the living space while expansive windows frame peaceful views of the water beyond the oversized screened porch, creating a seamless connection between indoor and outdoor living. The beautifully renovated kitchen serves as the heart of the home, featuring solid wood cabinetry with abundant drawer storage, generous granite countertops and an open layout designed for everyday living and effortless entertaining. Luxury vinyl plank flooring extends throughout the kitchen and every bedroom, while tile flooring enhances the foyer, dining room and great room with durability and timeless appeal. The first-floor primary suite provides a private retreat overlooking the backyard, complete with a spacious walk-in closet and an ensuite bath. A conveniently located powder bath serves guests on the main level. Upstairs, a generous loft offers flexible space for a media room, home office or play area, accompanied by two well-proportioned bedrooms and a full bath. Crystal Creek is a welcoming community with a low HOA fee and amenities including a neighborhood park, playground, tennis courts and basketball court. Ideally positioned near the best shopping, dining and entertainment found in Longwood, Lake Mary and Sanford, with convenient access to major roadways, this exceptional waterfront home places all of Central Florida comfortably within reach while offering a peaceful setting to come home to each day.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,959

Sqft

0.15 ac

Lot size

2

Garage

1992

Year built

Two

Levels

$235

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Wood Cabinets · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorPrivate Mailbox

Community & fees

HOA fee$33/mo
Taxes (2025)$1,613/yr
PetsYes
CommunityDeed Restrictions · Park · Playground · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Phone Available · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$3,238 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,707
FHA mortgage insurance (est.)$203
Property tax — 2025 actual bill$134
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,097Loan30-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% · $16,097
Interest rate6.00%
Loan term

Estimated payment

$3,238/mo

Principal & interest$2,707
FHA mortgage insurance (est.)$203
Property taxes (actual bill)$134
HOA / condo fee$33
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 $460K
$380KedgeAI estimate $411,585 · range $395K$418K$478K

vs edgeAI estimate

+11.7%

$/sqft vs Longwood actives

$235 vs $241

Days on market

15 vs 32 typical

Where $235/sqft sits among the 161 Longwood actives

37
42 · this home
51
9
8
14
$145–192$192–239$239–287$287–334$334–381$381+

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 Crystal Creek

Map of 416 SAND PEBBLE COVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando24 min
Universal Orlando37 min
Orlando Int’l Airport (MCO)42 min
Walt Disney World49 min

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

Get to know Longwood. See the full Longwood guide →

Crystal Creek — neighborhood snapshot

Population

722

Median age

52

Median income

$124,219

Median home value

$357,700

Avg household

2

Households w/ children

38%

For the school run

Seminole County School District

HighLake Mary High School★★★★★
MiddleGreenwood Lakes Middle School★★★★★
ElementaryHighlands Elementary School★★★★

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

The numbers that matter

The Longwood market

Seller’s marketSeller’s market2.4 months of inventoryBuyer’s market

$465K$538K

Longwood median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

85 of 161

Longwood actives have cut their price

Median sold price, Longwood, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 28% above the LONGWOOD 32750 median. See the full Longwood market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $459,900 · 15 days on market since
1992Built · CRYSTAL CREEK UNIT 1

Reality check

What actually sold near 416 SAND PEBBLE COVE

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

304 LITTLE SPRINGS LANESold · Aug ’25

$440,000

304 LITTLE SPRINGS LANE · same community

5 bd · 2 ba · 1,906 sqft · $231/sqft · 88 DOM

212 SOLDIERS CREEK PLACESold · Jul ’26

$475,000

212 SOLDIERS CREEK PLACE · same community

4 bd · 2 ba · 1,893 sqft · $251/sqft · 3 DOM

568 TALL OAKS TERRACESold · Mar ’26

$400,000

568 TALL OAKS TERRACE · same community

3 bd · 2 ba · 1,513 sqft · $264/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 416 SAND PEBBLE COVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 416 SAND PEBBLE 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.

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Goes straight to David’s phone and CRM.

Straight answers

416 SAND PEBBLE COVE FAQs

What would the monthly payment be for 416 SAND PEBBLE COVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,238/mo — principal and interest, the actual property-tax bill, the $33/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 416 SAND PEBBLE COVE?+

The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 416 SAND PEBBLE COVE?+

The most recent tax bill on record (2025) was $1,613. 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 416 SAND PEBBLE 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 Longwood?+

At $459,900, this home is listed about 2% above the Longwood median of $449,700. The market section on this page shows how the area is trending.

Which schools are assigned to 416 SAND PEBBLE COVE?+

Lake Mary High School (high), Greenwood Lakes Middle School (middle), Highlands Elementary School (elementary) — 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

$459,900 runs 28% above the LONGWOOD 32750 median.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Lake Mary High School, Greenwood Lakes Middle School, Highlands Elementary School — Highlands Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Mel Bernstein. MLS #O6426601.

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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