
109 PINE NEEDLE LANE, ALTAMONTE SPRINGS, FL, 32714
Active2 days on marketListed Oct 14, 2026MLS #O6447354
Come see it
Upcoming open house
Sun, Oct 18
1:00 PM – 3:00 PM
About this home
109 PINE NEEDLE LANE
With a Spring Valley address, this home will not last! Just over 2,000 square feet, three bedrooms, two-and-a-half baths, a bonus room, and the kind of space that gives you options. Inside, the layout is comfortable, functional and designed for real life. The main living and dining areas offer plenty of room to gather, entertain or simply spread out, while the bonus room gives you flexibility for a home office, media room, playroom, fitness space or whatever fits your lifestyle. The bedrooms are generously sized, and the home offers the kind of storage and breathing room that can be hard to find. The kitchen anchors the home with ample cabinetry, workspace and room to make it your own. Thoughtful updates add everyday value, including paid-off solar panels, a hybrid water heater and replacement windows completed in 2006—features that can help improve efficiency while keeping utility costs in mind. Outside, the spacious yard is framed by mature landscaping with plenty of room to garden, entertain, let the dogs run or create the outdoor space you’ve been imagining. The patio gives you a comfortable spot for slow mornings with coffee, relaxing at the end of the day or even setting up an outdoor workout space. With no pool to maintain, the backyard stays open, flexible and ready for whatever comes next. And the address comes with a community to match. Spring Valley is an established, tree-lined waterfront neighborhood centered around beautiful Spring Lake. Through the voluntary community association, residents can enjoy access to amenities including a private boat ramp onto skiable Spring Lake, waterfront park, tennis and pickleball courts, sand volleyball, basketball, playground, pavilion and fishing dock, along with neighborhood traditions like the Sunset Social on the first Friday of each month. A modest optional association fee opens the door to it all, without the restrictions of a mandatory HOA. A well-kept home with room to live, room to grow and plenty of opportunity to update and make it yours.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,172
Sqft
0.36 ac
Lot size
2
Garage
1967
Year built
One
Levels
$253
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.
$3,870 /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
$3,870/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
+41.3%
$/sqft vs Altamonte Springs actives
$253 vs $175
Days on market
2 vs 69 typical
Where $253/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 Spring Valley
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
Spring Valley — neighborhood snapshot
Population
4,751
Median age
31
Median income
$55,823
Median home value
$131,254
Avg household
3
Households w/ children
688
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)
175 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 264% above the ALTAMONTE SPRINGS 32714 median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 PINE NEEDLE LANE
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$569,000
108 PINE NEEDLE LANE · same community
3 bd · 2 ba · 2,202 sqft · $258/sqft · 5 DOM
Sold · Apr ’26$890,000
610 SPRING VALLEY ROAD · same community
5 bd · 3.5 ba · 3,373 sqft · $264/sqft · 19 DOM
Sold · Nov ’25$590,000
155 LAKE DESTINY TRAIL
4 bd · 2.5 ba · 2,129 sqft · $277/sqft · 0 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 PINE NEEDLE LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 PINE NEEDLE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 PINE NEEDLE LANE FAQs
What would the monthly payment be for 109 PINE NEEDLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,870/mo — principal and interest, the actual property-tax bill, the $44/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 109 PINE NEEDLE LANE?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 PINE NEEDLE LANE?+
The most recent tax bill on record (2025) was $2,300. 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 109 PINE NEEDLE LANE?+
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 $549,000, this home is listed about 176% above the Altamonte Springs median of $199,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 PINE NEEDLE LANE?+
Spring Lake 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.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Shawn Layton. MLS #O6447354.
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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