1054 LOTUS COVE COURT UNIT 641, ALTAMONTE SPRINGS, FL, 32714
Active30 days on marketListed Sep 16, 2026MLS #O6441944
About this home
1054 LOTUS COVE COURT UNIT 641
Seller willing to provide $10,000 toward A/C maintenance or repair and assessments paid with an acceptable offer. Cozy 3-bedroom 2-bathroom condo, lots of natural light, on a fourth floor with elevator. With a screened back balcony overlooking a plush green landscape bordered by a conservation area in the background, ideally inviting for relaxation, Florida style. From the rear on the left side, you can get a peek of the tranquil water of Lake Lotus. This condo comes with all appliances, and tile floors. A large pool, tennis courts, volleyball area and a carwash are amenities in this community. Seminole State College , shopping and dining are all within a mile. Property sold AS-IS. Make your appointment now.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,118
Sqft
0.01 ac
Lot size
1985
Year built
One
Levels
$125
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.
$1,896 /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
$1,896/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
−8.5%
$/sqft vs Altamonte Springs actives
$125 vs $175
Days on market
30 vs 69 typical
Where $125/sqft sits among the 305 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 Altamonte Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
ALTAMONTE SPRINGS 32714 — neighborhood snapshot
Population
37,481
Median age
36.7
Median income
$67,333
Median home value
$292,300
Avg household
2.45
Households w/ children
4,499
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)
174 of 305
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 7% below the ALTAMONTE SPRINGS 32714 median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1054 LOTUS COVE COURT UNIT 641
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$153,035
1054 LOTUS COVE COURT UNIT 612 · same community
2 bd · 2 ba · 1,001 sqft · $153/sqft · 190 DOM
Sold · May ’26$175,000
1054 LOTUS COVE COURT UNIT 623 · same community
2 bd · 2 ba · 1,246 sqft · $140/sqft · 182 DOM
Sold · May ’26$100,000
1054 LOTUS COVE COURT UNIT 635 · same community
2 bd · 2 ba · 1,246 sqft · $80/sqft · 2 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 1054 LOTUS COVE COURT UNIT 641 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1054 LOTUS COVE COURT UNIT 641 — 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
1054 LOTUS COVE COURT UNIT 641 FAQs
What would the monthly payment be for 1054 LOTUS COVE COURT UNIT 641?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,896/mo — principal and interest, the actual property-tax bill, the $685/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 1054 LOTUS COVE COURT UNIT 641?+
The association fee works out to $685 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1054 LOTUS COVE COURT UNIT 641?+
The most recent tax bill on record (2025) was $1,978. 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 1054 LOTUS COVE COURT UNIT 641?+
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 Altamonte Springs?+
At $140,000, this home is listed about 30% below the Altamonte Springs median of $199,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1054 LOTUS COVE COURT UNIT 641?+
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.
The brief
Four things that matter here
01Under the ALTAMONTE SPRINGS 32714 market on paper
$140,000 is 7% below the ALTAMONTE SPRINGS 32714 median of $150,950, and at $125/sqft it sits under the Altamonte Springs average of $187.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $685/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $145,000, now $140,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Benjamin Urrutia. MLS #O6441944.
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 1054 LOTUS COVE COURT UNIT 641 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 Frederick to ping you on any price or status change →