230 E PANAMA ROAD, WINTER SPRINGS, FL, 32708
Active14 days on marketListed Jul 10, 2026MLS #O6422435
Come see it
Upcoming open house
Sat, Jul 25
12:00 PM – 2:00 PM
About this home
230 E PANAMA ROAD
Motivated Seller! This custom 4 bedroom, 2.5 bathroom pool home nestled on a gated 2.6 acres in the sought-after Ranchlands Community is a must see! The 40ft long front porch overlooks the nature's paradise with views you must see to appreciate. Oak trees and mature landscaping line the private entrance and make up the bulk of this serene property. An entertainer's paradise features pool with custom waterfall, poolside cabana with fireplace, bar and grill, pergola leading to cabana, romantic gazebo with power, nature trails, tri-level balcony, covered back porch (29x12) overlooking pool and 2 story playhouse/gym. You'll notice the craftmanship and attention to detail throughout the property with custom carpentry and designer touches both inside and out. Kitchen (19x12) with lots of granite counter space boasts solid wood cabinets, modern hardware, stainless steel appliances with range hood, flat top range, stone backsplash, rolling island, and pendant lighting over bar seating while overlooking the beautiful pool oasis. The owner's suite (14x13) offers laminate flooring, walk-in closet, pool views, French doors leading to private balcony and a private study (14x10) perfect for relaxing with a good book. Master bathroom features gorgeous standup shower, waterproof vinyl flooring and lovely tile work. Home features massive family room (39x32) with tile flooring and separate living room (20x13) with wood-exposed cathedral ceilings and gas fireplace. Upstairs you'll find two bedrooms with a shared bathroom in addition to the master bedroom retreat. Laundry room, half bath and fourth bedroom are located on first floor. Upgrades include extending trusses and roof line to add carport, gutters, entire paver driveway, automatic wrought iron gate, sprinklers in front yard, gazebo with power, and a wrought iron fence. Two single car detached garages (20x10) plus additional workshop (20x10) with power, water and exhaust fan, two covered sheds and additional storage space (10x10) located below playhouse/gym provide ample storage to go along with oversized attached carport (33x14). No HOA.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,868
Sqft
2.6 ac
Lot size
2
Garage
1979
Year built
Three Or More
Levels
$296
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 — not generic estimates.
$5,770 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,770/mo
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.
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
+31.4%
$/sqft vs Winter Springs actives
$296 vs $238
Days on market
14 vs 38 typical
Where $296/sqft sits among the 135 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 North Orlando Ranches
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
North Orlando Ranches — neighborhood snapshot
Population
2,248
Median age
43
Median income
$90,937
Median home value
$331,827
Avg household
3
Households w/ children
314
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
$420K → $462K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
88 of 135
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 127% 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 230 E PANAMA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$528,000
1337 ASH TREE COVE
4 bd · 3.5 ba · 2,863 sqft · $184/sqft · 102 DOM
Sold · Nov ’25$655,000
213 BLUESTONE PLACE
4 bd · 3.5 ba · 2,883 sqft · $227/sqft · 19 DOM
Sold · Dec ’25$775,000
108 SEVILLE CHASE DRIVE
4 bd · 3 ba · 2,917 sqft · $266/sqft · 5 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 230 E PANAMA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 230 E PANAMA ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
230 E PANAMA ROAD FAQs
What would the monthly payment be for 230 E PANAMA ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,770/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 230 E PANAMA ROAD?+
The most recent tax bill on record (2025) was $8,451. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Springs?+
At $850,000, this home is listed about 102% above the Winter Springs median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 230 E PANAMA ROAD?+
Layer Elementary School (elementary), Winter Springs High School (high), Indian Trails Middle School (middle) — Seminole 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
$850,000 runs 127% above the WINTER SPRINGS 32708 median — but at 2,868 sqft it's also 70% larger than the typical Winter Springs listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Layer Elementary School, Winter Springs High School, Indian Trails Middle School — Layer Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $899,000, now $850,000 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Carla Robles. MLS #O6422435.
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.
Never miss a listing
New Winter Springs homes, in your inbox
Like 230 E PANAMA ROAD but not quite? A daily digest of every new listing in Winter Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →