David Ramirez
$575,0003 bd2 ba2,293 sqft$251 /sqft$3,962 /mo all-in ↓

295 FRANCES CIRCLE, ALTAMONTE SPRINGS, FL, 32701

Active98 days on marketListed Apr 16, 2026MLS #S5147940

Single Family ResidenceSANLANDO

About this home

295 FRANCES CIRCLE

Back on market at no fault of the seller or property! Some listing photos have been virtually decluttered and digitally enhanced to depict a twilight setting. No permanent features of the property have been added, removed, or altered. One-of-a-kind mid-century ranch on OVER HALF an ACRE with extensive system upgrades, a stunning wood-burning brick fireplace, and a private backyard oasis designed for true indoor-outdoor living. Welcome to a rare mid-century ranch retreat situated on an expansive corner lot spanning more than half an acre. Combining timeless character with substantial infrastructure improvements, this property offers a unique opportunity to enjoy the charm of an established home without many of the major expenses buyers often anticipate. One of the home's most compelling features is the significant investment already made in its major systems and components. Recent improvements include electrical upgrades with a new service line and panel, plumbing updates (2019), well and irrigation improvements, roof cleaning with warranty, generator with dedicated panel, newer A/C components under warranty, water heater, and reverse osmosis system. These upgrades provide added peace of mind and help reduce future maintenance concerns, especially as Florida's hurricane season approaches. At the heart of the home, the expansive great room showcases a dramatic wall-to-wall brick wood-burning fireplace, creating a warm and inviting focal point for gathering and everyday living. Natural light fills the home through Solatube skylights and sliding glass doors that seamlessly connect interior spaces to the outdoors. The spacious Florida Room, lined with windows overlooking the backyard, offers incredible flexibility as a game room, lounge, home office, fitness space, or creative retreat. The kitchen blends character and functionality with a copper farmhouse sink, induction cooktop, double ovens, wine refrigerator, and a dedicated coffee and wine bar. Adjacent to the kitchen, a versatile utility and mudroom with additional pantry storage provides access to a private courtyard. Step outside into your own private garden oasis. The fully fenced triple-lot backyard is designed for both entertaining and relaxation, featuring newly installed pavers, multiple seating areas, a fire pit, brick outdoor grill, dedicated gardening space, and mature landscaping that enhances privacy throughout the property. Originally designed as a four-bedroom home, one bedroom has been converted into an oversized utility space and can be reverted if desired. Additional features include private well water, generator capability, no HOA, and a rare amount of usable outdoor space that is increasingly difficult to find in Altamonte Springs. Ideally located minutes from Orlando Health, AdventHealth Altamonte Springs, HCA Florida Lake Monroe Hospital, Cranes Roost Park, Altamonte Mall, dining, shopping, and major roadways, this home offers the perfect balance of privacy, convenience, and character. A truly distinctive Central Florida property where the major work has already been done—allowing the next owner to simply move in and enjoy.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,293

Sqft

0.6 ac

Lot size

2

Garage

1968

Year built

One

Levels

$251

Per sqft

Fireplace

Inside

FlooringHardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Refrigerator · Wine Refrigerator
InteriorCeiling Fan(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Brick
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorFire Pit · Garden · Irrigation System · Lighting · Private Entrance · Private Yard · Sliding Doors · Storage

Community & fees

Taxes (2024)$5,808/yr
PetsNo

Utilities & systems

UtilitiesCable Available · Electricity Connected · Street Lights · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,962 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,103
PMI (est., until 20% equity)$216
Property tax — 2024 actual bill$484
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $57,500
Interest rate6.00%
Loan term

Estimated payment

$3,962/mo

Principal & interest$3,103
PMI (est., until 20% equity)$216
Property taxes (actual bill)$484
Est. insurance$160

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.

List $575K
$471KedgeAI estimate $502,138 · range $491K$530K$598K

vs edgeAI estimate

+14.5%

$/sqft vs SANLANDO

$251 vs $228

Days on market

98 vs 36 typical

Where $251/sqft sits among the 9 homes for sale in SANLANDO

2
2
0
2
1
2 · this home
$189–201$201–213$213–226$226–238$238–250$250+

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

Map of 295 FRANCES CIRCLE

Drive times from this address

Downtown Orlando19 min
Universal Orlando32 min
Orlando Int’l Airport (MCO)37 min
Walt Disney World44 min

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

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$307K$288K

Altamonte Springs median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

9 of 9

SANLANDO have cut their price

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

This home is listed 163% above the Altamonte Springs median. See the full Altamonte Springs market guide →

Paper trail

This home's history

Apr 16, 2026Listed at $575,000 · 98 days on market since
1968Built · SANLANDO

Reality check

What actually sold near 295 FRANCES CIRCLE

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

501 HERMITS TRAILSold · Jan ’26

$250,000

501 HERMITS TRAIL · same community

4 bd · 2 ba · 2,401 sqft · $104/sqft · 6 DOM

516 PINEVIEW STREETSold · Apr ’26

$442,200

516 PINEVIEW STREET · same community

4 bd · 2 ba · 2,037 sqft · $217/sqft · 27 DOM

546 HILLCREST STREETSold · Jul ’26

$418,000

546 HILLCREST STREET · same community

3 bd · 2.5 ba · 1,900 sqft · $220/sqft · 28 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 295 FRANCES CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 295 FRANCES CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

295 FRANCES CIRCLE FAQs

What would the monthly payment be for 295 FRANCES CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,962/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 295 FRANCES CIRCLE?+

The most recent tax bill on record (2024) was $5,808. 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 295 FRANCES CIRCLE?+

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 $575,000, this home is listed about 163% above the Altamonte Springs median of $219,000. The market section on this page shows how the area is trending.

Listing courtesy of NORTHGROUP REAL ESTATE, INC · Kimary Carrero. MLS #S5147940.

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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295 FRANCES CIRCLE, ALTAMONTE SPRINGS, FL — 3 Bed, 2 Bath — $575,000 | CENTURY 21 Edge