3809 BLACK SPRUCE LANE, WINTER SPRINGS, FL, 32708
Active5 days on marketListed Aug 8, 2026MLS #O6431960
About this home
3809 BLACK SPRUCE LANE
Beautiful almost new townhouse. Pond view 2/2.5. Great location. Gated, pool and 1 car garage. Granite counters, beautiful tile and much more! Must have a 650+ credit score & make 3x rent. No large dogs.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,282
Sqft
0.03 ac
Lot size
1
Garage
2011
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Winter Springs actives
$1 vs $240
Days on market
5 vs 39 typical
Where $1/sqft sits among the 128 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 Heritage Commons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Heritage Commons — neighborhood snapshot
Population
756
Median age
36
Median income
$70,774
Median home value
$427,700
Avg household
2
Households w/ children
51%
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 128
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 99% 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 3809 BLACK SPRUCE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$265,000
4004 GARDEN OAK COURT · same community
2 bd · 2.5 ba · 1,306 sqft · $203/sqft · 100 DOM
Sold · Sep ’25$295,000
1313 HERITAGE COMMONS DRIVE · same community
3 bd · 2.5 ba · 1,326 sqft · $222/sqft · 27 DOM
Sold · Aug ’25$310,000
3813 BLACK SPRUCE LANE · same community
3 bd · 2.5 ba · 1,472 sqft · $211/sqft · 49 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3809 BLACK SPRUCE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3809 BLACK SPRUCE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3809 BLACK SPRUCE LANE FAQs
What would the monthly payment be for 3809 BLACK SPRUCE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3809 BLACK SPRUCE LANE?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit. 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 $1,800, this home is listed about 100% below the Winter Springs median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3809 BLACK SPRUCE LANE?+
Red Bug Elementary School (elementary), Lake Howell High School (high), Tuskawilla Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of OPTIMA REAL ESTATE · Gina Loria. MLS #O6431960.
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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