197 GARDEN DRIVE, WINTER SPRINGS, FL, 32708
Active5 days on marketListed Sep 23, 2026MLS #O6444050
About this home
197 GARDEN DRIVE
Affordable living in Winter Springs! This 2-bedroom, 1.5-bath END UNIT townhome offers added privacy with fewer shared walls than an interior unit. The practical layout places both bedrooms upstairs, keeping sleeping areas separate from the main living space, with a convenient half bath on the first floor. The quadplex setting provides a quieter, smaller-community feel compared to a typical large complex. Located in the Winter Springs area with convenient access to shopping, dining, parks, and major roadways including SR 434 and SR 417. Zoned for Winter Springs Elementary and Winter Springs High School. End units at this price point in Winter Springs don't come along often, so schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
900
Sqft
0.31 ac
Lot size
1983
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$169 /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
$169/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Winter Springs actives
$1 vs $237
Days on market
5 vs 35 typical
Where $1/sqft sits among the 114 Winter 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 Winter Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
WINTER SPRINGS 32708 — neighborhood snapshot
Population
48,034
Median age
41.6
Median income
$87,889
Median home value
$352,600
Avg household
2.49
Households w/ children
5,301
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Springs market
$433K → $440K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
64 of 114
Winter Springs actives have cut their price
Median sold price, Winter Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 197 GARDEN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$300,000
222 W PANAMA ROAD
3 bd · 2 ba · 1,044 sqft · $287/sqft · 95 DOM
Sold · Aug ’26$310,000
821 OSCEOLA TRAIL
3 bd · 2 ba · 1,049 sqft · $296/sqft · 5 DOM
Sold · Nov ’25$324,900
251 BUTTONWOOD AVENUE
3 bd · 2 ba · 1,100 sqft · $295/sqft · 3 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 197 GARDEN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 GARDEN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
197 GARDEN DRIVE FAQs
What would the monthly payment be for 197 GARDEN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $169/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 197 GARDEN DRIVE?+
The listing reports pets: No. 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 Springs?+
At $1,300, this home is listed about 100% below the Winter Springs median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 197 GARDEN DRIVE?+
Winter Springs Elementary School (elementary), Milwee Middle School (middle), Winter Springs 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 CASTRO REALTY GROUP · Eric Acosta, II. MLS #O6444050.
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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