CENTURY 21 Edge
$864,0005 bd2,498 sqft$346 /sqft≈$6,266 /mo all-in ↓

20963 E COLONIAL DRIVE, CHRISTMAS, FL, 32709

Active24 days on marketListed Oct 14, 2026MLS #O6449247

Private poolDuplexNOT IN A SUBDIVISION

About this home

20963 E COLONIAL DRIVE

Set on a combined 5.88 acres in Christmas, this unique ranch-style property offers a rare combination of privacy, space, versatility, and investment potential with no HOA. The residence and its improvements sit on 2.36 fully fenced acres, with additional acreage included in the sale, creating even more opportunities for future use, expansion, or income-producing possibilities. The five-bedroom, two-and-a-half-bath home features a split floor plan, updated bathrooms, 2024 flooring, a 2024 wet bar, and dual-zoned HVAC installed in 2021. The primary suite is designed as a comfortable retreat with dual sinks, a walk-in shower with bench, a designer closet, and a hurricane-rated sliding door that opens to the screened Florida Room overlooking the pool. Hurricane windows were added to the main home in 2020, and both the home and barn received new roofs in 2022. The outdoor spaces are equally inviting, with a resurfaced pool, screened Florida Room, heart-shaped pond with a walking path and bench, a well-built fire pit, mature fruit trees, and plenty of open green space to enjoy. Behind the barn, there is room for gardening, reading, meditation, horseshoes, frisbee, golf practice, or archery, with a raised berm already in place. An existing chicken coop adds even more potential for those looking to enjoy a more self-sufficient lifestyle. Thoughtful additions throughout the property include front-yard sprinklers, backyard drip irrigation, strategically placed hose bibs, yard outlets, security lighting, and a covered generator port. The block-constructed barn sits on a solid, high-and-dry cement slab and expands the possibilities of the property. It includes a climate-controlled gym with a new mini-split, workshop space, a garden/tool room, 2025 hurricane windows, and a 2025 automatic garage door. Whether used for storage, hobbies, livestock, gardening, or potential future conversion to a barndominium or accessory dwelling unit, subject to applicable approvals, the space offers flexibility to suit a variety of needs. An oversized boat and RV pad with dedicated power, along with off-grid and solar potential, adds even more functionality. The property also includes a powered wellhouse and a well filtration system that services both the home and pool. A long list of updates adds confidence and convenience, including electrical improvements and the well system in 2018, water heater and pool resurfacing in 2019, driveway paving and dual-zoned HVAC in 2021, roof replacements and septic pumping in 2022, plus additional interior and barn improvements through 2025. Full service records are available for the systems. With 5.88 total acres included in the offering, this property presents an appealing opportunity for buyers seeking an expansive private estate, a flexible property with potential income-producing uses, or room to explore future possibilities. The location offers a peaceful setting while remaining convenient to surrounding destinations, with Orlando International Airport approximately 25 minutes away, Titusville and the Space Coast about 20 minutes away, SpaceX and the beaches about 35 minutes away, and Orlando, UCF, shopping, restaurants, fishing, boat launches, airboat tours, nature preserves, and Orlando Wetlands Park all within easy reach.

Facts & features

The home at a glance

5

Bedrooms

2,498

Sqft

5.88 ac

Lot size

4

Garage

1972

Year built

$346

Per sqft

Private poolPets allowed

Inside

InteriorCeiling Fan(s) · Eating Space In Kitchen · Primary Bedroom Main Floor · Skylight(s) · Split Bedroom · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ExteriorFire Pit · Lighting · Rain Gutters · RV Hookup · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,135/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sprinkler Well · Water Available
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.

$6,266 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$5,437
PMI (est., until 20% equity)$324
Property tax — 2025 actual bill$345
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $86,400Loan30-yr fixed at 7.5%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% · $86,400
Interest rate7.50%
Loan term

Estimated payment

$6,266/mo

Principal & interest$5,437
PMI (est., until 20% equity)$324
Property taxes (actual bill)$345
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 NOT IN A SUBDIVISION

$346 vs $221

Days on market

24 vs 4 typical

Where $346/sqft sits among the 22 homes for sale in NOT IN A SUBDIVISION

6
6
3
3
2 · this home
2
$145–190$190–236$236–281$281–326$326–371$371+

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 Christmas

Drive times from this address

Downtown Orlando≈ 25 min
Orlando Int’l Airport (MCO)≈ 34 min
Universal Orlando≈ 38 min
Walt Disney World≈ 50 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Christmas. See the full Christmas guide →

CHRISTMAS 32709 — neighborhood snapshot

Population

1,665

Median age

40.9

Median income

$83,015

Median home value

$293,200

Avg household

2.61

Households w/ children

176

For the school run

Orange County School District

ElementaryWedgefield School★★★★★
HighEast River High★★★★★

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

The numbers that matter

The Christmas market

Seller’s marketLeans seller — 3.2 months of inventoryBuyer’s market

$403K → $325K

Christmas median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

13 of 22

NOT IN A SUBDIVISION have cut their price

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

This home is listed 478% above the CHRISTMAS 32709 median. See the full Christmas market guide →

Paper trail

This home's history

Oct 14, 2026Listed at $864,000 · 24 days on market since
1972Built · NOT IN A SUBDIVISION

Reality check

What actually sold near 20963 E COLONIAL DRIVE

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

3865 RABBIT RUN ROADSold · Mar ’26

$565,000

3865 RABBIT RUN ROAD · same community

3 bd · 2 ba · 2,364 sqft · $239/sqft · 38 DOM

1460 WASHINGTON STREETSold · Dec ’25

$1,700,000

1460 WASHINGTON STREET · same community

4 bd · 2 ba · 2,923 sqft · $582/sqft · 0 DOM

4405 S PIPKIN ROADSold · Oct ’26

$230,000

4405 S PIPKIN ROAD · same community

5 bd · 3 ba · 1,988 sqft · $116/sqft · 8 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 20963 E COLONIAL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20963 E COLONIAL DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

20963 E COLONIAL DRIVE FAQs

What would the monthly payment be for 20963 E COLONIAL DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,266/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 20963 E COLONIAL DRIVE?+

The most recent tax bill on record (2025) was $4,135. 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 20963 E COLONIAL DRIVE?+

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 Christmas?+

At $864,000, this home is listed about 171% above the Christmas median of $319,000. The market section on this page shows how the area is trending.

Which schools are assigned to 20963 E COLONIAL DRIVE?+

Wedgefield School (elementary), East River High (high) — Orange 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

$864,000 runs 478% above the CHRISTMAS 32709 median — but at 2,498 sqft it's also 66% larger than the typical Christmas listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

24 days on market against a Christmas median of 4 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Wedgefield School, East River High — Wedgefield School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS WINTER PARK · Nick McKee. MLS #O6449247.

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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