9914 SURREY RIDGE ROAD, ORLANDO, FL, 32825
Active5 days on marketListed Oct 15, 2026MLS #O6449820
About this home
9914 SURREY RIDGE ROAD
WELCOME HOME to this charming two-story home with POND VIEWS, a WRAPAROUND-STYLE FRONT PORCH, and a 2024 ROOF in the Surrey Ridge community of East Orlando! Offering three bedrooms, two-and-a-half bathrooms, and a two-car garage, this home combines comfortable indoor living with the relaxed Florida lifestyle. Mature palm trees welcome you into the driveway, while an inviting covered porch wraps around the front of the home, encouraging you to slow down and stay awhile. Step inside, where warm wood-look laminate flooring leads into the living room, featuring an electric fireplace and custom built-in TV surround. The staircase, accented by a dramatic wood-paneled feature wall extending from the midway landing to the second-story ceiling, creates a natural transition into the formal dining area overlooking the kitchen, the heart of the home. This welcoming space features stainless steel appliances, cabinetry accented with crown molding, a timeless subway tile backsplash, tray ceiling, recessed lighting, and a sliding glass door that bring in natural light while offering views of the backyard. Step outside to enjoy your own private Florida retreat! The FULLY FENCED BACKYARD features an above-ground swimming pool, mature trees, and peaceful pond views, creating an inviting setting for outdoor gatherings, weekend relaxation, or simply enjoying the scenery. A double gate along the right side of the fence provides additional backyard access, offering flexibility for a variety of outdoor storage needs. Back inside, the first floor also includes a half bathroom, laundry area, and access to the attached two-car garage, complete with storage cabinetry and workbench space. All three bedrooms are thoughtfully located upstairs. Two secondary bedrooms share a full bathroom, while the spacious primary suite offers vaulted ceilings, abundant natural light, a walk-in closet, and tranquil pond views. Its private bathroom is accented by a sliding barn door that adds another touch of character. Beyond its distinctive architectural details, this home has benefited from several MAJOR SYSTEM UPDATES, including a roof and water heater replaced in 2024, HVAC system and plumbing supply re-pipe in 2019, septic drain field replacement and expansion in 2020, and gutters installed in 2025. Located in the established Surrey Ridge community of East Orlando, residents enjoy access to a COMMUNITY IN-GROUND SWIMMING POOL. The neighborhood also offers easy access to Waterford Lakes shopping and dining, nearby parks, and major roadways including SR 417 and SR 408. With its welcoming atmosphere, inviting outdoor spaces, thoughtful improvements, and desirable location, this home offers a wonderful opportunity to enjoy the best of Central Florida living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,270
Sqft
0.15 ac
Lot size
1990
Year built
Two
Levels
$276
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.
$2,635 /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
$2,635/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
+0.5%
$/sqft vs Orlando actives
$276 vs $239
Days on market
5 vs 61 typical
Where $276/sqft sits among the 400 Orlando 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 Surrey Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Surrey Ridge — neighborhood snapshot
Population
695
Median age
35
Median income
$109,886
Median home value
$352,500
Avg household
3
Households w/ children
85%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
212 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the ORLANDO 32825 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 9914 SURREY RIDGE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$355,000
2111 CHURCHILL DOWNS CIRCLE · same community
3 bd · 2 ba · 1,254 sqft · $283/sqft · 95 DOM
Sold · Dec ’25$325,000
2210 KENTUCKY DERBY DRIVE · same community
2 bd · 2 ba · 1,248 sqft · $260/sqft · 18 DOM
Sold · Feb ’26$355,000
2200 KENTUCKY DERBY DRIVE · same community
3 bd · 2 ba · 1,233 sqft · $288/sqft · 17 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9914 SURREY RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9914 SURREY RIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9914 SURREY RIDGE ROAD FAQs
What would the monthly payment be for 9914 SURREY RIDGE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,635/mo — principal and interest, the actual property-tax bill, the $33/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 9914 SURREY RIDGE ROAD?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9914 SURREY RIDGE ROAD?+
The most recent tax bill on record (2025) was $2,717. 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 9914 SURREY RIDGE ROAD?+
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 Orlando?+
At $350,000, this home is listed about 8% below the Orlando median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9914 SURREY RIDGE ROAD?+
Cypress Springs Elementary (elementary), Legacy Middle (middle), University High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Fresh on the market
Only 5 days on market in a Orlando market that averages 61 — if it fits, move quickly.
03Strong assigned schools
Cypress Springs Elementary, Legacy Middle, University High — Cypress Springs Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FINCH REAL ESTATE COMPANY · Amber Finch. MLS #O6449820.
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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