CENTURY 21 Edge
$639,0004 bd3.5 ba2,888 sqft$221 /sqft≈$4,566 /mo all-in ↓

4504 LATIMER WAY, SANFORD, FL, 32771

Active30 days on marketListed Aug 28, 2026MLS #O6435986

Single Family ResidenceESTUARY AT ST JOHNS

About this home

4504 LATIMER WAY

Discover your dream home at 4504 Latimer Way! Situated on a generous corner lot in the gated Estuary at St. Johns community in Sanford, this beautifully upgraded M/I Homes Halifax model, built in 2020, offers 2,888 square feet of thoughtfully designed living space with 4 bedrooms, 3.5 bathrooms, a flex room with French doors, spacious loft, and 2-car garage. Its open layout, stylish finishes, and versatile living spaces blend comfort, functionality, and modern design. A charming, covered entry and foyer lead into the expansive main living areas and kitchen. The thoughtfully crafted kitchen features a large center island with quartz countertops, breakfast bar seating, 42" truffle-stained cabinetry, GE® stainless steel appliances, a striking Moroccan-style backsplash, and a corner walk-in pantry. Under-stair storage provides additional space, while the hallway to the garage features a convenient key-drop station. A powder bath completes the main level. The spacious great room is filled with natural light and opens through sliding glass doors to an extended screened patio with pavers and a fully fenced backyard- perfect for entertaining, relaxing, or pets. The flex room with French doors can serve as a home office, study, reading room, playroom, or guest space. Upstairs, a staircase finished with durable engineered bamboo hardwood flooring leads to a generous loft that can be used as a game room, home theater, library, or additional lounge space. Two secondary bedrooms share a hallway bath, while a third bedroom features its own private en-suite bathroom—ideal for guests or multigenerational living. The luxurious owner's suite offers a relaxing retreat, complete with refined tray ceilings and a spa-like bathroom featuring separate quartz-topped vanities, a glass-enclosed walk-in shower, a spacious walk-in closet, and a private water closet. A linen closet and a laundry room with a utility sink are conveniently positioned for easy everyday access. Notable upgrades include durable engineered bamboo hardwood flooring on the staircase, loft, primary bedroom and primary closet, and one secondary bedroom; enhanced kitchen and living room lighting; an extended screened patio; a fully fenced backyard; whole-house gutters; garage storage solutions; and a durable polyurea-coated garage floor. Lawn maintenance is included through the HOA, making outdoor upkeep even easier. Residents of Estuary at St. Johns enjoy gated entry, a dedicated dog park and children's play area. Ideally located near highly rated Seminole County schools, Historic Downtown Sanford, the Sanford Riverwalk and Lake Monroe waterfront, Central Florida Zoo & Botanical Gardens, Sanford International Airport, waterfront dining, scenic walking trails, boutique shopping, and recreational parks. Major highways are minutes away, connecting you to world-famous attractions and beautiful coastal getaways. Stylish, spacious, and move-in ready, 4504 Latimer Way is ready to welcome its next owner. Schedule your private showing today! The home also includes a transferable termite protection plan and may be equipped with audio and/or visual monitoring systems. The seller is offering a lender-paid temporary rate buydown through a participating lender, which may lower the buyer's initial interest rate and monthly payments, subject to buyer qualification and lender terms. Buyers are under no obligation to use the participating lender. Reach out to the listing agent for further details.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,888

Sqft

0.14 ac

Lot size

2

Garage

2020

Year built

Two

Levels

$221

Per sqft

NegotiablePets allowed

Inside

FlooringBamboo · Carpet · Ceramic Tile · Engineered Hardwood
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$265/mo
Taxes (2025)$5,443/yr
PetsYes
CommunityDeed Restrictions · Playground · Sidewalks

Utilities & systems

UtilitiesUnderground Utilities
WaterPublic

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.

$4,566 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,448
PMI (est., until 20% equity)$240
Property tax — 2025 actual bill$454
HOA fee — from the listing$265
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,900Loan30-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% · $63,900
Interest rate6.00%
Loan term

Estimated payment

$4,566/mo

Principal & interest$3,448
PMI (est., until 20% equity)$240
Property taxes (actual bill)$454
HOA / condo fee$265
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 $639K
$562KedgeAI estimate $649,933 · range $585K–$715K$744K

vs edgeAI estimate

−1.7%

$/sqft vs Sanford actives

$221 vs $221

Days on market

30 vs 43 typical

Where $221/sqft sits among the 400 Sanford actives

82
114
79 · this home
79
18
28
$158–189$189–220$220–251$251–281$281–312$312+

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 Sanford

Drive times from this address

Downtown Orlando≈ 29 min
Universal Orlando≈ 41 min
Orlando Int’l Airport (MCO)≈ 47 min
Walt Disney World≈ 53 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sanford. See the full Sanford guide →

SANFORD 32771 — neighborhood snapshot

Population

59,708

Median age

38.7

Median income

$74,520

Median home value

$332,500

Avg household

2.66

Households w/ children

7,359

For the school run

Seminole County School District

MiddleMarkham Woods Middle School★★★★★
ElementaryWilson Elementary School★★★★★
ElementaryBentley Elementary School★★★★★
ElementaryIdyllwilde Elementary School★★★★★
ElementaryGoldsboro Elementary Magnet★★★★★
HighSeminole High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sanford market

Seller’s marketLeans seller — 4.0 months of inventoryBuyer’s market

$354K → $385K

Sanford median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

220 of 400

Sanford actives have cut their price

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

This home is listed 85% above the SANFORD 32771 median. See the full Sanford market guide →

Paper trail

This home's history

Aug 28, 2026Listed at $639,000 · 30 days on market since
2020Built · ESTUARY AT ST JOHNS

Reality check

What actually sold near 4504 LATIMER WAY

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

1457 PAGET COVESold · Feb ’26

$595,000

1457 PAGET COVE · same community

4 bd · 3 ba · 2,883 sqft · $206/sqft · 65 DOM

4548 DULWIK PLACESold · Sep ’26

$440,000

4548 DULWIK PLACE · same community

3 bd · 2 ba · 1,635 sqft · $269/sqft · 9 DOM

4716 GRASSENDALE TERSold · Oct ’25

$660,000

4716 GRASSENDALE TER

5 bd · 3.5 ba · 2,902 sqft · $227/sqft · 15 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4504 LATIMER WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4504 LATIMER WAY — before you fall in love.

See it in person

Schedule a tour

Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4504 LATIMER WAY FAQs

What would the monthly payment be for 4504 LATIMER WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,566/mo — principal and interest, the actual property-tax bill, the $265/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 4504 LATIMER WAY?+

The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4504 LATIMER WAY?+

The most recent tax bill on record (2025) was $5,443. 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 4504 LATIMER WAY?+

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 Sanford?+

At $639,000, this home is listed about 66% above the Sanford median of $385,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4504 LATIMER WAY?+

Markham Woods Middle School (middle), Wilson Elementary School (elementary), Bentley Elementary School (elementary), Idyllwilde Elementary School (elementary), Goldsboro Elementary Magnet (elementary), Seminole High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Ruby Margaret. MLS #O6435986.

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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