203 COTTONWOOD DRIVE, WINTER SPRINGS, FL, 32708
Active23 days on marketListed Sep 4, 2026MLS #O6436607
About this home
203 COTTONWOOD DRIVE
ADORABLE and MOVE-IN READY! Whether you're a FIRST-TIME HOMEBUYER or looking to "RIGHT-SIZE" into a more manageable home without sacrificing comfort. This charming 3-Bedroom, 2-Bath WATER-FRONT HOME will meet your needs and more. Paddleboard or canoe on the Water out back! Step inside to discover a bright and inviting open floor plan featuring soaring vaulted ceilings, abundant natural light, and a desirable split-bedroom layout that offers both privacy and functionality. The private OWNER'S SUITE serves as a relaxing retreat with a Vaulted Ceiling, a generous WALK-IN CLOSET and an ENSUITE BATH with a LARGE SHOWER. Nice size Secondary Bedrooms and Hall Bath with Tub/Shower on the opposite side of the home. Double Pane Windows and Sliding Glass Doors to the Back Patio which includes a Pergola with Covering, Fully Fenced Backyard and a variety of Fruit plants and trees; such as Pineapples and Bananas. New WATER HEATER just installed and permitted, ROOF 2021, with a partial reroof 2024, permitted; A/C 2013. New Frigidaire Range and Newer Washer and Dryer. NO HOA! Zoned for Winter Springs top-rated Schools. **Professional Photos Coming Soon!**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,168
Sqft
0.16 ac
Lot size
2
Garage
1976
Year built
One
Levels
$299
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 — not generic estimates.
$2,683 /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
$2,683/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
+3.2%
$/sqft vs Winter Springs actives
$299 vs $234
Days on market
23 vs 35 typical
Where $299/sqft sits among the 112 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 Foxmoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Foxmoor — neighborhood snapshot
Population
873
Median age
41
Median income
$66,393
Median home value
$239,335
Avg household
3
Households w/ children
112
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)
64 of 112
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 4% 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 203 COTTONWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$339,900
409 MURPHY ROAD · same community
3 bd · 2 ba · 1,168 sqft · $291/sqft · 110 DOM
Sold · Feb ’26$250,000
920 N TRIPLET LAKE DRIVE
3 bd · 2 ba · 1,163 sqft · $215/sqft · 8 DOM
Sold · Jul ’26$365,000
43 N WINTER PARK DRIVE
3 bd · 2 ba · 1,225 sqft · $298/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.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 203 COTTONWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 COTTONWOOD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
203 COTTONWOOD DRIVE FAQs
What would the monthly payment be for 203 COTTONWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,683/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 203 COTTONWOOD DRIVE?+
The most recent tax bill on record (2026) was $3,773. 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 203 COTTONWOOD DRIVE?+
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 $349,000, this home is listed about 11% below the Winter Springs median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 203 COTTONWOOD DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Johnna Brizendine. MLS #O6436607.
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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