640 ELM CREEK COURT, ALTAMONTE SPRINGS, FL, 32714
Active43 days on marketListed Sep 3, 2026MLS #O6438178
About this home
640 ELM CREEK COURT
BONUS FLEX ROOM!!! END UNIT!!! 2 Bedroom/2 Bath WITH BONUS FLEX ROOM!!! END UNIT!!! Come home to this beautifully maintained and spacious home nestled in the highly desirable Country Creek community! From the moment you step inside, soaring vaulted ceilings create a bright and open atmosphere, while the beautiful wood-burning fireplace provides the perfect setting for cozy evenings at home. Adding to your peace of mind, the roof was replaced in 2018. The chef's kitchen is truly a delight, featuring granite countertops, stainless steel appliances, abundant cabinetry and a spacious eat-in area perfect for morning coffee or casual meals. Although officially a two-bedroom home, the spacious flex room offers endless possibilities—create the perfect home office, den, guest retreat, or even use it as a third bedroom. The split-bedroom floor plan provides privacy, while the spacious primary suite offers a relaxing place to unwind. Step outside and enjoy your beautiful screened outdoor living area overlooking a peaceful, park-like setting—the perfect place to relax with a cup of coffee in the morning, entertain friends in the evening, or simply enjoy the privacy and natural surroundings. An attached two-car garage provides plenty of room for vehicles and additional storage. Living in Country Creek is about more than just the home—it's a lifestyle! Enjoy two community swimming pools, tennis and pickleball, playgrounds, a clubhouse, walking and biking trails, and picturesque natural surroundings. Take an evening stroll through this beautiful tree-lined community, cross its charming covered bridge, or simply spend the weekend enjoying the many recreational amenities right outside your door. With its flexible floor plan, inviting outdoor living space, beautiful community setting, 2018 roof, and exceptional amenities, this is more than a place to live—it's a place you'll love coming home to. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,372
Sqft
0.09 ac
Lot size
2
Garage
1986
Year built
One
Levels
$233
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.
$2,602 /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
$2,602/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
+24.8%
$/sqft vs Altamonte Springs actives
$233 vs $174
Days on market
43 vs 69 typical
Where $233/sqft sits among the 303 Altamonte 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 Country Creek
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
Country Creek — neighborhood snapshot
Population
2,353
Median age
42
Median income
$79,657
Median home value
$354,327
Avg household
3
Households w/ children
266
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Altamonte Springs market
$313K → $325K
Altamonte Springs median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
171 of 303
Altamonte Springs actives have cut their price
Median sold price, Altamonte Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 111% above the ALTAMONTE SPRINGS 32714 median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 ELM CREEK COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$339,000
1137 MAPLE CREEK COURT · same community
3 bd · 2 ba · 1,372 sqft · $247/sqft · 24 DOM
Sold · Jul ’26$309,900
642 ELM CREEK COURT · same community
2 bd · 2 ba · 1,072 sqft · $289/sqft · 17 DOM
Sold · Apr ’26$305,000
2820 DRAKE DRIVE
3 bd · 2 ba · 1,372 sqft · $222/sqft · 16 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 640 ELM CREEK COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 ELM CREEK COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
640 ELM CREEK COURT FAQs
What would the monthly payment be for 640 ELM CREEK COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,602/mo — principal and interest, the actual property-tax bill, the $185/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 640 ELM CREEK COURT?+
The association fee works out to $185 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 640 ELM CREEK COURT?+
The most recent tax bill on record (2025) was $2,858. 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 640 ELM CREEK COURT?+
The listing reports pets: Breed Restrictions, 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 Altamonte Springs?+
At $319,000, this home is listed about 60% above the Altamonte Springs median of $199,000. The market section on this page shows how the area is trending.
Which schools are assigned to 640 ELM CREEK COURT?+
Teague Middle School (middle), Bear Lake Elementary School (elementary), Lake Brantley 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 SHORESTONE PROPERTY GROUP · Jeff Crandall. MLS #O6438178.
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.
Never miss a listing
New Altamonte Springs homes, in your inbox
Like 640 ELM CREEK COURT but not quite? A daily digest of every new listing in Altamonte Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Angela to ping you on any price or status change →