CENTURY 21 Edge
$1,225,0004 bd2 ba2,665 sqft$460 /sqft≈$7,638 /mo all-in ↓

190 E FAITH TERRACE, MAITLAND, FL, 32751

Active10 days on marketListed Sep 17, 2026MLS #O6442774

WaterfrontSingle Family ResidenceACREAGE & UNREC

About this home

190 E FAITH TERRACE

Extremely rare opportunity to own an exceptional lakefront property in the heart of Maitland. This four bedroom, two bathroom residence has been tastefully renovated and is set on 1.07 acres of land along the sandy beach shores of Lake Seminary. It offers the combination of privacy, land, water access and beautiful renovations. The heart of the property is the spring fed lake known for recreational boating and water activities. The private sandy beach leads to a new 90 x 4 ft dock with a 12 x 12 ft recreational pad and bench. It's made of Trex composite decking and features an electric boat lift and cold water hose, making it easy to enjoy everything the lake has to offer. The property also boasts of a concrete block boathouse with electricity, adding valuable storage and functionality for lake life. Inside, the home has been completely renovated with an emphasis on quality, comfort and everyday living. The kitchen has been beautifully updated with stainless steel appliances, new cabinets, stone counters and a large island with seating for four. It has a panoramic view of the lake as it opens seamlessly to the dining/family room which highlights expansive sliding glass doors that lead directly out to the deck and backyard oasis. The extensive improvements continue throughout the property with renovated bathrooms, new vinyl wood flooring, fresh interior/exterior paint, new doors, new windows, new electrical, a new roof (2019), new skylights, two new air conditioning systems with new ductwork (2020), a new water softener and a commercial grade propane powered on demand tankless water heater. There's a separate indoor laundry room which provides generous space for folding and a 319 sqft bonus room with private access to the exterior. Outside, the new wood deck overlooks the lake and includes a mosquito prevention system, an outdoor shower and plumbing already in place for a sink. There's also new seamless gutters and a concrete security wall that surrounds the perimeter of the property with an electric access gate. This rare lakefront property offers the ultimate Central Florida lifestyle with private lake access and recreation at home, while being just minutes from exceptional dining, boutique shopping, Lake Lily, vibrant downtown Maitland, Winter Park’s renowned Park Avenue, and major roadways.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,665

Sqft

1.07 ac

Lot size

1958

Year built

One

Levels

$460

Per sqft

WaterfrontWater view

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Skylight(s) · Stone Counters
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationCrawlspace
ViewWater
FacesWest
ExteriorRain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,905/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,638 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,610
PMI (est., until 20% equity)$459
Property tax — 2025 actual bill$409
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $122,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $122,500
Interest rate6.00%
Loan term

Estimated payment

$7,638/mo

Principal & interest$6,610
PMI (est., until 20% equity)$459
Property taxes (actual bill)$409
Est. insurance$160

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.

List $1.2M
$546KedgeAI estimate $631,842 · range $569K–$695K$1.3M

vs edgeAI estimate

+93.9%

$/sqft vs ACREAGE & UNREC

$460 vs $393

Days on market

10 vs 47 typical

Where $460/sqft sits among the 98 homes for sale in ACREAGE & UNREC

55
24 · this home
4
5
4
6
$134–414$414–694$694–973$973–1253$1253–1533$1533+

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

Downtown Orlando≈ 12 min
Universal Orlando≈ 24 min
Orlando Int’l Airport (MCO)≈ 32 min
Walt Disney World≈ 37 min

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

ElementaryLake Orienta Elementary School★★★★★
MiddleMilwee Middle School★★★★★
HighLyman High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Maitland market

Seller’s marketLeans seller — 3.1 months of inventoryBuyer’s market

$508K → $550K

Maitland median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

41 of 98

ACREAGE & UNREC have cut their price

Median sold price, Maitland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 298% above the MAITLAND 32751 median. See the full Maitland market guide →

Paper trail

This home's history

Sep 17, 2026Listed at $1,225,000 · 10 days on market since
1958Built · ACREAGE & UNREC

Reality check

What actually sold near 190 E FAITH TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5850 LAKE LIZZIE DRIVESold · Nov ’25

$650,000

5850 LAKE LIZZIE DRIVE · same community

4 bd · 3 ba · 2,639 sqft · $246/sqft · 18 DOM

16647 E SHIRLEY SHORES ROADSold · Feb ’26

$902,500

16647 E SHIRLEY SHORES ROAD · same community

4 bd · 3 ba · 2,726 sqft · $331/sqft · 143 DOM

11619 LANE PARK ROADSold · Dec ’25

$1,250,000

11619 LANE PARK ROAD · same community

5 bd · 4 ba · 2,964 sqft · $422/sqft · 238 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 190 E FAITH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 190 E FAITH TERRACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

190 E FAITH TERRACE FAQs

What would the monthly payment be for 190 E FAITH TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,638/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 190 E FAITH TERRACE?+

The most recent tax bill on record (2025) was $4,905. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Maitland?+

At $1,225,000, this home is listed about 212% above the Maitland median of $392,400. The market section on this page shows how the area is trending.

Which schools are assigned to 190 E FAITH TERRACE?+

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.

Listing courtesy of DIBS REALTY, LLC · Ashley Swindell. MLS #O6442774.

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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