430 SOUTHERN PECAN CIRCLE UNIT 106, WINTER GARDEN, FL, 34787
Active17 days on marketListed Sep 3, 2026MLS #O6438120
About this home
430 SOUTHERN PECAN CIRCLE UNIT 106
New upgrades at move in: - All carpets to be replaced with LVP. Refer to sample picture that shows how the new floors will look. - All appliances to be upgraded to new Stainless Steel - Bathroom faucet to be replaced Amazing opportunity in the resort-style Southern Pines Condos in Winter Garden! Freshly painted 1-bedroom, 1-bath condo, ready for move-in. All new LVP flooring in the dining area, living room, and bedroom, with ceramic tile in the kitchen and bathroom. The spacious bedroom features a walk-in closet and a dual-entry bathroom that also serves as a guest bath. The kitchen includes a separate dining area and a bonus/flex room. Additional features include a laundry closet, extra storage closets, and no carpet throughout. This gated community boasts a multi-million-dollar clubhouse with a resort-style pool, hot tub, private bar, grilling area, fitness center, indoor basketball and racquetball courts, a dog park, and more. The clubhouse also features a business center, game room, and theater. Enjoy tennis courts, centralized mailboxes, and a car wash area. Resort living at its finest! HOA application and background screening required. The HOA charges a $100 application fee per adult or married couple. Prior eviction or criminal history will be assessed as part of the screening process. Minimum 1-year lease. Renters insurance required. $54/month Spectrum high-speed internet and cable package. Pets allowed (maximum 2 pets, 30 lbs combined adult weight limit, $250 pet deposit, and $25/month pet fee). A $125 lease processing fee is due after approval and lease signing.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
838
Sqft
0.21 ac
Lot size
2005
Year built
One
Levels
$2
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.
$172 /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
$172/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 SOUTHERN PINES CONDO
$2 vs $218
Days on market
17 vs 42 typical
Where $2/sqft sits among the 14 homes for sale in SOUTHERN PINES CONDO
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 Winter Garden
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
WINTER GARDEN 34787 — neighborhood snapshot
Population
93,064
Median age
37.4
Median income
$114,988
Median home value
$475,000
Avg household
3.02
Households w/ children
13,499
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
10 of 14
SOUTHERN PINES CONDO have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 430 SOUTHERN PECAN CIRCLE UNIT 106
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$212,500
303 SOUTHERN PECAN CIRCLE UNIT 107 · same community
1 bd · 1 ba · 838 sqft · $254/sqft · 125 DOM
Sold · Sep ’26$250,000
130 SOUTHERN PECAN CIRCLE UNIT 103 · same community
2 bd · 2 ba · 1,152 sqft · $217/sqft · 28 DOM
Sold · Sep ’26$235,000
405 SOUTHERN PECAN CIRCLE UNIT 108 · same community
2 bd · 2 ba · 1,152 sqft · $204/sqft · 25 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 430 SOUTHERN PECAN CIRCLE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 SOUTHERN PECAN CIRCLE UNIT 106 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
430 SOUTHERN PECAN CIRCLE UNIT 106 FAQs
What would the monthly payment be for 430 SOUTHERN PECAN CIRCLE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/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 430 SOUTHERN PECAN CIRCLE UNIT 106?+
The listing reports pets: Breed Restrictions. 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 Garden?+
At $1,695, this home is listed about 100% below the Winter Garden median of $574,950. The market section on this page shows how the area is trending.
Which schools are assigned to 430 SOUTHERN PECAN CIRCLE UNIT 106?+
Hamlin Elementary (elementary), Hamlin Middle (middle), West Orange 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 AFT PROPERTY LLC · Seyed Azimi. MLS #O6438120.
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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