1122 CHARMING STREET, MAITLAND, FL, 32751
Active3 days on marketListed Sep 17, 2026MLS #O6442753
Come see it
Upcoming open house
Sun, Sep 20
2:00 PM – 4:00 PM
About this home
1122 CHARMING STREET
Welcome to lakefront living in the sought-after gated community of Montacino! This beautifully positioned end-unit townhome offers privacy, abundant natural light, and a versatile floor plan designed for both comfortable everyday living and effortless entertaining. The spacious first-floor primary suite provides exceptional convenience, featuring a large walk-in closet with a custom California Closet system. Upstairs, two generously sized bedrooms—each with its own ensuite bathroom—provide privacy and flexibility for family, guests, hobbies, or a home office. A large loft adds even more versatile living space, while the oversized two-car garage provides plenty of room for vehicles, storage, and more. Thoughtful updates make this home truly move-in ready, including new carpet installed in September 2026 in the first-floor primary bedroom and throughout the second floor and stairs, a newer A/C system (2023), new water heater (2026), updated smoke detectors, and a new garage door system. The kitchen also features newer essentials, including the dishwasher and garbage disposal. Plantation shutters throughout add a timeless touch, and the conveniently located first-floor laundry closet makes everyday living even easier. As an end unit in one of the community's premier lakefront locations, the home enjoys peaceful water views and an abundance of natural light. The HOA takes care of the landscaping and maintains the community's resort-style pool and gated entrance, allowing you to spend less time on upkeep and more time enjoying the lifestyle. Ideally located near I-4, Winter Park, and Downtown Orlando, Montacino offers the perfect balance of peaceful lakefront living and convenient access to shopping, dining, entertainment, and major transportation routes. Come experience the comfort, privacy, and carefree lakefront lifestyle this exceptional Montecino townhome has to offer!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,268
Sqft
0.06 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$264
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.
$4,436 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,436/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−9.5%
$/sqft vs Maitland actives
$264 vs $260
Days on market
3 vs 50 typical
Where $264/sqft sits among the 95 Maitland 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 Maitland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Maitland. See the full Maitland guide →
MAITLAND 32751 — neighborhood snapshot
Population
22,853
Median age
38.7
Median income
$94,277
Median home value
$433,100
Avg household
2.27
Households w/ children
2,397
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Maitland market
$508K → $545K
Maitland median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
56 of 95
Maitland actives have cut their price
Median sold price, Maitland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% above the MAITLAND 32751 median. See the full Maitland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1122 CHARMING STREET
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$571,000
1240 TRUST LANE · same community
3 bd · 3.5 ba · 2,305 sqft · $248/sqft · 0 DOM
Sold · Feb ’26$595,000
1447 CARING COURT · same community
3 bd · 2.5 ba · 2,110 sqft · $282/sqft · 34 DOM
Sold · Jul ’26$580,000
1149 CHARMING STREET · same community
4 bd · 3.5 ba · 2,474 sqft · $234/sqft · 12 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1122 CHARMING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1122 CHARMING STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1122 CHARMING STREET FAQs
What would the monthly payment be for 1122 CHARMING STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,436/mo — principal and interest, the actual property-tax bill, the $520/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 1122 CHARMING STREET?+
The association fee works out to $520 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1122 CHARMING STREET?+
The most recent tax bill on record (2025) was $3,595. 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 1122 CHARMING STREET?+
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 Maitland?+
At $599,000, this home is listed about 20% above the Maitland median of $497,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1122 CHARMING STREET?+
Lake Orienta Elementary School (elementary), Milwee Middle School (middle), Lyman 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
01Positioned at the premium end
$599,000 runs 72% above the MAITLAND 32751 median — but at 2,268 sqft it's also 26% larger than the typical Maitland listing.
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 $520/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 3 days on market in a Maitland market that averages 50 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Shirley Jones. MLS #O6442753.
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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