1304 ORTEGA STREET, WINTER SPRINGS, FL, 32708
Active95 days on marketListed May 4, 2026MLS #TB8504998
About this home
1304 ORTEGA STREET
Motivated sellers *** Seller offering up to $8,000 toward buyer’s closing costs! Take advantage of this incredible opportunity to reduce your out-of-pocket expenses and make homeownership more attainable. THIS IS THE ONE you’ve been waiting for in Winter Springs. This spacious 4-bedroom, 2.5-bath home with 2,152 SqFt offers the perfect combination of space, flexibility, and income potential. Located in a non-flood zone with low HOA and NO rental restrictions, this is a rare find for both homeowners and savvy investors. Featuring a unique three-level layout, the home includes formal living and dining areas plus a versatile Family room—perfect for movie nights, game days with friends, or even unforgettable family karaoke evenings. Step outside and get ready to fall in love. The fully fenced backyard is built for lifestyle: the spacious covered and screened terrace invites you to enjoy your morning coffee by a charming gas fire pit, unwind with evening cocktails, roast marshmallows around a natural fire pit, or host the perfect BBQs. The outdoor space also features a small play area, while still offering ample room for pets to run freely. This is Florida living done right. Freshly painted, meticulously maintained, with updated bathrooms and a functional kitchen ready for immediate enjoyment. For added value and peace of mind, the property includes a water softener system throughout the home and an alkaline water filtration system at the kitchen sink—features today’s buyers truly appreciate. Located near top-rated Seminole County schools, parks, shopping, and major highways with easy access to Orlando. Opportunities like this are rare and move FAST. Schedule your private showing TODAY before it’s gone.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,152
Sqft
0.23 ac
Lot size
2
Garage
1985
Year built
Multi/Split
Levels
$227
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.
$3,715 /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
$3,715/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
−6.2%
$/sqft vs Winter Springs actives
$227 vs $242
Days on market
95 vs 37 typical
Where $227/sqft sits among the 122 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.
Where it sits
Inside Sunrise Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Sunrise Estates — neighborhood snapshot
Population
3,962
Median age
41
Median income
$138,242
Median home value
$393,710
Avg household
3
Households w/ children
358
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
$433K → $440K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
80 of 122
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 31% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1304 ORTEGA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$512,000
2871 PEWTER MIST COURT
3 bd · 2.5 ba · 2,184 sqft · $234/sqft · 6 DOM
Sold · Nov ’25$620,000
1584 THORNHILL CIRCLE
4 bd · 2 ba · 2,118 sqft · $293/sqft · 2 DOM
Sold · Sep ’25$570,000
1745 LAKELET LOOP
4 bd · 2.5 ba · 2,117 sqft · $269/sqft · 37 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 1304 ORTEGA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1304 ORTEGA 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
1304 ORTEGA STREET FAQs
What would the monthly payment be for 1304 ORTEGA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,715/mo — principal and interest, the actual property-tax bill, the $30/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 1304 ORTEGA STREET?+
The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1304 ORTEGA STREET?+
The most recent tax bill on record (2025) was $5,238. 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 1304 ORTEGA STREET?+
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 $488,000, this home is listed about 22% above the Winter Springs median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1304 ORTEGA STREET?+
Rainbow Elementary School (elementary), Indian Trails Middle School (middle), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$488,000 runs 31% above the WINTER SPRINGS 32708 median — but at 2,152 sqft it's also 27% larger than the typical Winter Springs listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
95 days on market against a Winter Springs median of 37 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Rainbow Elementary School, Indian Trails Middle School, Oviedo High School — Rainbow Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $539,900, now $488,000 — a $52K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME PRIME REALTY LLC · Fara Ramirez Labrada. MLS #TB8504998.
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.
Never miss a listing
New Winter Springs homes, in your inbox
Like 1304 ORTEGA STREET but not quite? A daily digest of every new listing in Winter Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →