236 PANORAMA DR, WINTER SPRINGS, FL, 32708
Active1 days on marketListed Jul 29, 2026MLS #O6429044
About this home
236 PANORAMA DR
Beautifully remodeled 3-bedroom, 2-bath home with a 1-car garage. This charming home features: Brand-new kitchen cabinets with elegant quartz countertops. Updated bathrooms with new vanities and modern lighted mirrors. New lighting fixtures throughout. Stylish tile flooring and waterproof luxury vinyl plank flooring. Low HOA. Enjoy all the amenities this wonderful community has including a community pool, tennis courts, pickleball courts, and basketball courts. Conveniently located near highly rated schools, shopping, dining, and more. Don't miss this opportunity—this one won't last long! Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,161
Sqft
0.07 ac
Lot size
1
Garage
1997
Year built
One
Levels
$241
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.
$2,359 /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
$2,359/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
−10.2%
$/sqft vs Winter Springs actives
$241 vs $242
Days on market
1 vs 38 typical
Where $241/sqft sits among the 132 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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,300/mo median
Live Winter Springs rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside The Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full guide →
The Seasons — neighborhood snapshot
Population
994
Median age
41
Median income
$79,474
Median home value
$205,800
Avg household
2
Households w/ children
88%
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
$420K → $462K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
91 of 132
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 25% below the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 236 PANORAMA DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$288,000
515 SEASONS COURT · same community
3 bd · 2 ba · 1,101 sqft · $262/sqft · 228 DOM
Sold · Oct ’25$275,000
435 HORIZON DRIVE · same community
3 bd · 2 ba · 1,101 sqft · $250/sqft · 46 DOM
Sold · Jun ’26$313,000
114 SUNDANCE COURT · same community
4 bd · 2 ba · 1,356 sqft · $231/sqft · 164 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 236 PANORAMA DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 236 PANORAMA DR — 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
236 PANORAMA DR FAQs
What would the monthly payment be for 236 PANORAMA DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,359/mo — principal and interest, the actual property-tax bill, the $138/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 236 PANORAMA DR?+
The association fee works out to $138 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 236 PANORAMA DR?+
The most recent tax bill on record (2025) was $3,476. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 236 PANORAMA DR be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 236 PANORAMA DR?+
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 $279,900, this home is listed about 33% below the Winter Springs median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 236 PANORAMA DR?+
Layer Elementary School (elementary), Indian Trails Middle School (middle), Winter Springs High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER SPRINGS 32708 market on paper
$279,900 is 25% below the WINTER SPRINGS 32708 median of $374,900, and at $241/sqft it sits under the Winter Springs average of $244.
02Zoned for nightly rentals
Seasons is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Only 1 day on market in a Winter Springs market that averages 38 — if it fits, move quickly.
04Strong assigned schools
Layer Elementary School, Indian Trails Middle School, Winter Springs High School — Layer Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTY TECH INC · Carmen Vazquez. MLS #O6429044.
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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