1321 LITTLE GEM LOOP, SANFORD, FL, 32773
Active24 days on marketListed Sep 4, 2026MLS #O6437993
About this home
1321 LITTLE GEM LOOP
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Welcome to 1321 Little Gem Loop in Sanford, a two-story 3-bedroom, 2.5-bath townhouse in the Magnolia Club community. Offering a practical design, refreshed interior details, and neighborhood amenities just steps from home, this residence provides an inviting setting for both daily routines and entertaining. Inside, the open-concept layout connects the primary gathering and dining spaces, creating a natural sense of flow throughout the main level. The home has been refreshed with new carpeting and fresh interior paint downstairs and in the primary bedroom. Additional updates include a new kitchen faucet, primary bedroom ceiling fan, smoke detectors, laundry room light, and refrigerator water filter. The dishwasher is approximately 2 years old, while the HVAC system, washer, and dryer are approximately 6 years old. Three bedrooms provide options for sleeping quarters, guest accommodations, or workspace, complemented by 2.5 bathrooms conveniently distributed between the two levels. An open patio extends the living space outdoors and provides a spot for seating, morning coffee, or unwinding at the end of the day. Within Magnolia Club, residents can enjoy a community pool, playground, park, picnic and grilling areas, sidewalks, and recreational spaces. Conveniently positioned near Lake Mary Boulevard and SR 417, the community provides easy connections to shopping, restaurants, employment hubs, and destinations throughout Central Florida. Historic Downtown Sanford, Lake Monroe, and the Sanford RiverWalk are also nearby, offering a mix of dining, local shops, parks, community events, and waterfront recreation.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,530
Sqft
0.03 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$176
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.
$2,570 /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
$2,570/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
+9.1%
$/sqft vs Sanford actives
$176 vs $221
Days on market
24 vs 43 typical
Where $176/sqft sits among the 400 Sanford 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 Sanford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sanford. See the full Sanford guide →
SANFORD 32773 — neighborhood snapshot
Population
33,184
Median age
38.2
Median income
$63,496
Median home value
$259,600
Avg household
2.56
Households w/ children
4,114
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sanford market
$354K → $385K
Sanford median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
219 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 4% below the SANFORD 32773 median. See the full Sanford market guide →
Paper trail
This home's history
Reality check
What actually sold near 1321 LITTLE GEM LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$275,000
2430 LITTLE GEM LOOP · same community
3 bd · 2.5 ba · 1,530 sqft · $180/sqft · 102 DOM
Sold · Aug ’26$270,000
3421 PINE OAK TRAIL · same community
3 bd · 2.5 ba · 1,530 sqft · $176/sqft · 28 DOM
Sold · Oct ’25$312,500
1521 PINE OAK TRAIL · same community
3 bd · 2.5 ba · 1,624 sqft · $192/sqft · 19 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1321 LITTLE GEM LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1321 LITTLE GEM LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1321 LITTLE GEM LOOP FAQs
What would the monthly payment be for 1321 LITTLE GEM LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,570/mo — principal and interest, the actual property-tax bill, the $337/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 1321 LITTLE GEM LOOP?+
The association fee works out to $337 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1321 LITTLE GEM LOOP?+
The most recent tax bill on record (2025) was $4,380. 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 1321 LITTLE GEM LOOP?+
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 $269,900, this home is listed about 30% below the Sanford median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1321 LITTLE GEM LOOP?+
Pine Crest Elementary School (elementary), Seminole High School (high), Millennium Middle School (middle), Hamilton Elementary School (elementary), Midway Elementary School (elementary) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the SANFORD 32773 market on paper
$269,900 is 4% below the SANFORD 32773 median of $280,000, and at $176/sqft it sits under the Sanford average of $232.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $275,000, now $269,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6437993.
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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