860 BAY BRIDGE CIRCLE, APOPKA, FL, 32703
Active22 days on marketListed Sep 1, 2026MLS #O6438147
About this home
860 BAY BRIDGE CIRCLE
Virtually Staged. This Craftsman style residence showcases an open floor plan connecting living spaces throughout, enhanced by pendant and upgraded light fixtures defining each area. The property offers a conservation area view backing to a large retention area, creating a serene outdoor setting with no direct rear neighbors. The kitchen is the heart of this residence, featuring stainless steel appliances, a kitchen island with electrical outlets, quartz countertops, and a breakfast bar for casual dining. Recessed and pendant lighting illuminate the space, complemented by a double oven, built-in microwave, induction cooktop, French door refrigerator with ice maker connection, and garbage disposal unit. Tile backsplash with subway tile and an undermount sink complete the design, with pantry storage offering ample space for groceries and supplies. Ceramic tile flooring flows through the kitchen, dining area, great area, foyer, laundry area, and all bathrooms, with premium carpet in the primary bedroom suite, secondary bedrooms, upstairs hallways, and media/bonus area adding warmth. The split bedroom layout positions the primary bedroom retreat away from secondary bedrooms, ensuring privacy. A dual vanity bathroom serves the primary suite, and ceiling fans throughout provide comfort and efficiency. Zoned A/C with smart thermostat WiFi control and programmable digital thermostat manages temperature precisely, and an energy-efficient heat pump reduces utility costs. A screened lanai extends living space outdoors, and a covered porch welcomes guests. The two-car garage with garage door opener and concrete driveway provide secure parking. Wine storage and a wet bar add entertaining appeal, an irrigation system maintains the landscaping, and an architectural shingle roof protects the residence. Located near AdventHealth Apopka, this residence combines thoughtful design with practical amenities for modern living. Schedule your showing today to experience this well-appointed property firsthand.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,214
Sqft
0.21 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$165
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.
$4,353 /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
$4,353/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
−18.3%
$/sqft vs Apopka actives
$165 vs $216
Days on market
22 vs 40 typical
Where $165/sqft sits among the 400 Apopka 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 Apopka
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apopka. See the full Apopka guide →
APOPKA 32703 — neighborhood snapshot
Population
57,603
Median age
37.9
Median income
$70,338
Median home value
$314,800
Avg household
2.78
Households w/ children
7,169
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apopka market
$399K → $405K
Apopka median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
212 of 400
Apopka actives have cut their price
Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% above the APOPKA 32703 median. See the full Apopka market guide →
Paper trail
This home's history
Reality check
What actually sold near 860 BAY BRIDGE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$448,000
709 BAY BRIDGE CIRCLE · same community
3 bd · 2 ba · 2,258 sqft · $198/sqft · 72 DOM
Sold · Dec ’25$610,000
2413 RIDER RAIN LANE
4 bd · 3.5 ba · 3,216 sqft · $190/sqft · 0 DOM
Sold · Jun ’26$611,334
1660 RIDER RAIN LANE
4 bd · 4 ba · 3,216 sqft · $190/sqft · 63 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 860 BAY BRIDGE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 860 BAY BRIDGE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
860 BAY BRIDGE CIRCLE FAQs
What would the monthly payment be for 860 BAY BRIDGE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,353/mo — principal and interest, the actual property-tax bill, the $103/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 860 BAY BRIDGE CIRCLE?+
The association fee works out to $103 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 860 BAY BRIDGE CIRCLE?+
The most recent tax bill on record (2025) was $8,684. 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 860 BAY BRIDGE CIRCLE?+
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 Apopka?+
At $531,900, this home is listed about 18% above the Apopka median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 860 BAY BRIDGE CIRCLE?+
Phillis Wheatley Elementary (elementary), Wekiva High (high), Wolf Lake Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$531,900 runs 45% above the APOPKA 32703 median — but at 3,214 sqft it's also 57% larger than the typical Apopka listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $539,900, now $531,900 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GLORY INTL. REAL ESTATE CO · Patrick D'Agostino. MLS #O6438147.
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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