1304 ORTEGA STREET, WINTER SPRINGS, FL, 32708
Active159 days on marketListed May 4, 2026MLS #TB8504998
About this home
1304 ORTEGA STREET
New roof 2023, AC 2020, water heater 2023, whole-home water softener 2024. Non-flood zone. No rental restrictions. HOA only $30/month. The expensive questions are already answered on this Winter Springs home. Major systems have been replaced, the 4-point inspection is straightforward, and insurance-friendly construction (block and stucco, slab foundation, shingle roof 2023) keeps ownership costs predictable. 4 bedrooms, 2.5 baths, 2,152 SqFt of living area on a 10,019 SqFt lot in Sunrise Estates, a short walk to Rainbow Elementary and minutes from Tuskawilla Road, Winter Springs Town Center, Oviedo, and the 417 for an easy commute to Orlando, UCF, and Lake Mary. The three-level split layout gives you the separation most homes in this price range can't have. The main level holds the formal living and dining rooms and a 11x18 eat-in kitchen with pantry, storage closet, solid wood cabinets, and solid surface counters. One level down is a 21x18 family room with a stone wood-burning fireplace and French doors to the lanai. Upstairs, all four bedrooms: a 15x17 primary suite with walk-in closet and ceiling fan, plus three additional bedrooms with built-in closets. Cathedral and vaulted ceilings, ceramic tile throughout, updated bathrooms, freshly painted interior, and an indoor laundry room. Alkaline water filtration at the kitchen sink. Outside is where this home stands apart. A 21x14 covered and screened lanai with ceiling fan and gas fire pit opens to a fully fenced backyard with a second natural fire pit, play area, dog run, garden space, storage shed, and an irrigation system on a private sprinkler well, so the lawn stays green without a water bill. Two-car garage with opener plus open driveway parking. Community amenities include playground and tennis courts. Zoning PUD. Public water and sewer. Schedule your showing today! Seller may consider buyer closing-cost assistance with an acceptable offer.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,152
Sqft
0.23 ac
Lot size
2
Garage
1985
Year built
Multi/Split
Levels
$221
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.
$3,632 /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
$3,632/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
−10.8%
$/sqft vs Winter Springs actives
$221 vs $240
Days on market
159 vs 49 typical
Where $221/sqft sits among the 123 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 Sunrise Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Sunrise Estates — neighborhood snapshot
Population
3,962
Median age
41
Median income
$138,242
Median home value
$393,710
Avg household
3
Households w/ children
358
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)
70 of 123
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 36% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1304 ORTEGA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$512,000
2871 PEWTER MIST COURT
3 bd · 2.5 ba · 2,184 sqft · $234/sqft · 6 DOM
Sold · Nov ’25$620,000
1584 THORNHILL CIRCLE
4 bd · 2 ba · 2,118 sqft · $293/sqft · 2 DOM
Sold · Dec ’25$375,000
4527 SUNSET LANE
4 bd · 3 ba · 2,192 sqft · $171/sqft · 256 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 1304 ORTEGA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1304 ORTEGA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1304 ORTEGA STREET FAQs
What would the monthly payment be for 1304 ORTEGA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,632/mo — principal and interest, the actual property-tax bill, the $30/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 1304 ORTEGA STREET?+
The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1304 ORTEGA STREET?+
The most recent tax bill on record (2025) was $5,238. 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 1304 ORTEGA STREET?+
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 Winter Springs?+
At $474,900, this home is listed about 21% above the Winter Springs median of $392,400. The market section on this page shows how the area is trending.
Which schools are assigned to 1304 ORTEGA STREET?+
Rainbow Elementary School (elementary), Indian Trails Middle School (middle), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$474,900 runs 36% above the WINTER SPRINGS 32708 median — but at 2,152 sqft it's also 28% larger than the typical Winter Springs listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
159 days on market against a Winter Springs median of 49 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Rainbow Elementary School, Indian Trails Middle School, Oviedo High School — Rainbow Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $539,900, now $474,900 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME PRIME REALTY LLC · Fara Ramirez Labrada. MLS #TB8504998.
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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