9816 SURREY RIDGE ROAD, ORLANDO, FL, 32825
Active17 days on marketListed Sep 3, 2026MLS #O6437966
About this home
9816 SURREY RIDGE ROAD
Welcome home to this inviting 3-bedroom, 2-bathroom, two-story home in the desirable Surrey Ridge community! Step inside to a bright combination living and dining area featuring vaulted ceilings and laminate flooring. Continue seamlessly into the kitchen, complete with granite countertops, a pantry, and a breakfast nook. Enjoy the privacy and convenience of the primary suite located on the first floor, featuring a walk-in closet and private bathroom with a stand-alone shower. Upstairs, you’ll find two comfortable guest bedrooms and a full bathroom. French doors from the kitchen open to a patio and spacious fenced backyard with a peaceful pond view—an ideal setting for relaxing, entertaining, or enjoying the outdoors. Surrey Ridge offers a community pool and a low HOA. Conveniently located near Waterford Lakes Town Center, shopping, dining, schools, and major roadways, including SR 408 and SR 417, providing easy access to UCF, Downtown Orlando, and surrounding areas. Don’t miss the opportunity to make this wonderful home your own, schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,207
Sqft
0.15 ac
Lot size
2
Garage
1988
Year built
Two
Levels
$302
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.
$2,936 /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
$2,936/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
+5.6%
$/sqft vs Orlando actives
$302 vs $242
Days on market
17 vs 42 typical
Where $302/sqft sits among the 400 Orlando 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 Surrey Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Surrey Ridge — neighborhood snapshot
Population
695
Median age
35
Median income
$109,886
Median home value
$352,500
Avg household
3
Households w/ children
85%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
209 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the ORLANDO 32825 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 9816 SURREY RIDGE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$365,000
9945 TRIPLE CROWN CIRCLE · same community
3 bd · 2 ba · 1,209 sqft · $302/sqft · 4 DOM
Sold · Feb ’26$355,000
2200 KENTUCKY DERBY DRIVE · same community
3 bd · 2 ba · 1,233 sqft · $288/sqft · 17 DOM
Sold · Sep ’25$318,000
2110 CHURCHILL DOWNS CIRCLE · same community
3 bd · 2 ba · 1,168 sqft · $272/sqft · 66 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9816 SURREY RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9816 SURREY RIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9816 SURREY RIDGE ROAD FAQs
What would the monthly payment be for 9816 SURREY RIDGE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,936/mo — principal and interest, the actual property-tax bill, the $33/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 9816 SURREY RIDGE ROAD?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9816 SURREY RIDGE ROAD?+
The most recent tax bill on record (2025) was $5,195. 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 9816 SURREY RIDGE ROAD?+
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 Orlando?+
At $365,000, this home is listed about 5% below the Orlando median of $385,250. The market section on this page shows how the area is trending.
Which schools are assigned to 9816 SURREY RIDGE ROAD?+
Cypress Springs Elementary (elementary), Legacy Middle (middle), University High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Veronica Figueroa. MLS #O6437966.
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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