204 TERN LANE, ALTAMONTE SPRINGS, FL, 32701
Active3 days on marketListed Jul 21, 2026MLS #O6426910
About this home
204 TERN LANE
Located in a gated community, come and see this gorgeous 2 bedroom 2 bath villa near Cranes Roost Park, Shopping at Altamonte Mall, Restaurants and major highway. Low monthly HOA fees. This beautiful villa features high vaulted ceilings, several skylights for natural lighting, screened in Lanai with a private backyard and more. Roof 2021, Hot Water Heater 2026, Re-plumbed 2015. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,122
Sqft
0.07 ac
Lot size
1
Garage
1986
Year built
One
Levels
$272
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.
$2,362 /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
$2,362/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
+37.4%
$/sqft vs Altamonte Springs actives
$272 vs $185
Days on market
3 vs 36 typical
Where $272/sqft sits among the 282 Altamonte 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 Altamonte Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
The numbers that matter
The Altamonte Springs market
$307K → $288K
Altamonte Springs median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
147 of 282
Altamonte Springs actives have cut their price
Median sold price, Altamonte Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the Altamonte Springs median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 TERN LANE
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$309,000
216 EGRET CT. · same community
2 bd · 2 ba · 1,223 sqft · $253/sqft · 20 DOM
Sold · Sep ’25$297,000
219 HERON STREET · same community
2 bd · 2 ba · 1,248 sqft · $238/sqft · 40 DOM
Sold · May ’26$327,500
708 TEAL LANE · same community
3 bd · 2 ba · 1,518 sqft · $216/sqft · 19 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 204 TERN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 TERN LANE — 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
204 TERN LANE FAQs
What would the monthly payment be for 204 TERN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,362/mo — principal and interest, the actual property-tax bill, the $114/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 204 TERN LANE?+
The association fee works out to $114 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 204 TERN LANE?+
The most recent tax bill on record (2025) was $1,888. 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 204 TERN LANE?+
The listing reports pets: No. 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 Altamonte Springs?+
At $305,000, this home is listed about 39% above the Altamonte Springs median of $219,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Ray Cendana, Jr. MLS #O6426910.
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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