431 SOUTHERN PECAN CIRCLE UNIT 101, WINTER GARDEN, FL, 34787
Active12 days on marketListed Sep 8, 2026MLS #O6439215
About this home
431 SOUTHERN PECAN CIRCLE UNIT 101
ONE-YEAR HOME WARRANTY AVAILABLE WITH A FULL-PRICE OFFER! Welcome to this beautifully maintained 3-bedroom, 2-bathroom FIRST-FLOOR condo in the gated Southern Pines community of Winter Garden. Featuring a FRESH INTERIOR REPAINT (2026), UPDATED FIXTURES, a bright, open-concept layout, and NO CARPET THROUGHOUT FOR EASY MAINTENANCE, this home is truly move-in ready. Step inside to a spacious open living area offering a dedicated dining room and breakfast nook just off the kitchen. The kitchen features STAINLESS STEEL APPLIANCES, GRANITE COUNTERTOPS, NEUTRAL CABINETRY, and a pantry offering additional storage. The desirable split-bedroom floor plan provides added privacy, with the primary suite positioned on one side of the home and two additional bedrooms with a guest bathroom on the opposite side. All three generously sized bedrooms feature walk-in closets, providing plenty of storage throughout the home. Ideal as a primary residence or investment property, this low-maintenance condo offers excellent rental potential in a desirable Winter Garden location. HOA dues include internet and basic cable, adding further value and convenience. Southern Pines offers an impressive collection of resort-style amenities, including a pool and spa, fitness center, tennis courts, indoor basketball and volleyball courts, playground, dog park, clubhouse, theater room, billiards room, BBQ area, resident car wash station, and on-site management. Conveniently located near highly regarded public schools, Publix, Winter Garden Village, the West Orange Trail, and vibrant Downtown Winter Garden, with easy access to SR-429, Florida’s Turnpike, and major Orlando attractions. Whether you're searching for a comfortable primary residence or a great investment opportunity, this well-located Winter Garden condo delivers space, convenience, amenities, and value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,340
Sqft
0.14 ac
Lot size
2005
Year built
One
Levels
$213
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.
$2,801 /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
$2,801/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
+10.2%
$/sqft vs SOUTHERN PINES CONDO
$213 vs $218
Days on market
12 vs 42 typical
Where $213/sqft sits among the 13 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 13
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 43% 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 431 SOUTHERN PECAN CIRCLE UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$290,000
112 SOUTHERN PECAN CIRCLE UNIT 102 · same community
3 bd · 2 ba · 1,340 sqft · $216/sqft · 6 DOM
Sold · Feb ’26$265,000
316 SOUTHERN PECAN CIRCLE UNIT 206 · same community
2 bd · 2 ba · 1,276 sqft · $208/sqft · 12 DOM
Sold · Aug ’26$290,000
142 SOUTHERN PECAN CIRCLE UNIT 205 · same community
3 bd · 2 ba · 1,453 sqft · $200/sqft · 34 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 431 SOUTHERN PECAN CIRCLE UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 431 SOUTHERN PECAN CIRCLE UNIT 101 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
431 SOUTHERN PECAN CIRCLE UNIT 101 FAQs
What would the monthly payment be for 431 SOUTHERN PECAN CIRCLE UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,801/mo — principal and interest, the actual property-tax bill, the $514/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 431 SOUTHERN PECAN CIRCLE UNIT 101?+
The association fee works out to $514 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 431 SOUTHERN PECAN CIRCLE UNIT 101?+
The most recent tax bill on record (2025) was $3,883. 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 431 SOUTHERN PECAN CIRCLE UNIT 101?+
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 Winter Garden?+
At $284,995, this home is listed about 50% 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 431 SOUTHERN PECAN CIRCLE UNIT 101?+
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.
The brief
Three things that matter here
01Under the WINTER GARDEN 34787 market on paper
$284,995 is 43% below the WINTER GARDEN 34787 median of $499,000, and at $213/sqft it sits under the Winter Garden average of $276.
02Know the monthly fee
The association fee is $514/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Hamlin Elementary, Hamlin Middle, West Orange High — Hamlin Elementary rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PRIME PROPERTIES · Nick Whitehouse. MLS #O6439215.
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 Winter Garden homes, in your inbox
Like 431 SOUTHERN PECAN CIRCLE UNIT 101 but not quite? A daily digest of every new listing in Winter Garden — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →