Townhouse in MONTGOMERY SQUARE, ALTAMONTE SPRINGS · No CDD
MONTGOMERY SQUARE · ALTAMONTE SPRINGS, FL 32714 · Seminole
Listing data updated September 6, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,033Sq Ft
1983Year Built
$189Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
15% below
$/sq ft vs community
$189 here vs $222 median sold (12 mo)
Buyer leverage
Strong seller market
no active listings
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 7
Price vs recent sales
Asking $195k is at or below all 7 recent closed sales
As of September 6, 2026, 520 Mansfield Drive in Montgomery Square, Altamonte Springs is listed at $195,000 (1,033 sq ft, about $189 per sq ft). That is 17% below Montgomery Square's median closed sale of $235,000 over the last 12 months (6 recorded sales). Per square foot it is below the community's recent $222/sq ft by about 15%. It came to market within the past week. Listing facts: built in 1983, HOA dues of $110/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1983 · 43 yrs
1,033 sq ft of living area
Listed at $195,000 — recent neighborhood median sale price ~$235,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $110/mo (per listing)
Momentum Research · MONTGOMERY SQUARE
Pricing & the MONTGOMERY SQUARE market
How this home is priced against recent nearby sales, and where MONTGOMERY SQUARE has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in MONTGOMERY SQUARE
Each dot is a closed sale since 2008 (46 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2013–2026. This home lists at $189/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 74 (hot).
Property timeline
This home’s history
1983BuiltPer public record
Aug 29, 2026First trackedObserved at $195,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,394/mo
Principal & interest $1,008/mo72%
Taxes $171/mo12%
Insurance $106/mo8%
HOA $110/mo8%
$1,394/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Seminole County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,250/yr ($271/mo)
-$1,050 more each year
(--32%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
69/100
Strongest on: Market liquidity (96), Price vs area (87)
0 limited50100 exceptional
69/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area87
This home $189/sq ft vs the community 12-month median $222/sq ft.
Affordability78
List price $195,000 vs the community median $235,000. Not a measure of personal affordability.
Market liquidity96
Community median 4 days on market (12-month record).
Renovation upside70
From a 1983 build and $189/sq ft vs the community median $222/sq ft. Not a condition assessment.
Buyer competition83
17% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power44
Recent sales closed at about 99.2% of original asking (~0.8% below). More room below asking generally favors buyers.
Market timing26
Momentum Market Heat is 74/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $189 per square foot, about 15% below the community’s $222 median. MONTGOMERY SQUARE’s 12-month median sold price per square foot is $222. Confidence: Low · 6 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
41% of homes in MONTGOMERY SQUARE are owner-occupied. An estimated 59% are non-owner-occupied, including 10% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 116 homes matched. Community-level context.
Recent MONTGOMERY SQUARE sales closed near 99.2% of original asking. Cash paid for about 17% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Under contract-accepting backup offers. Virtually Staged. RARE SINGLE-STORY END-UNIT TOWNHOME with wonderful potential in Montgomery Square!
This 2-bedroom, 2-bath home offers 1,033 square feet, a spacious and functional floor plan, vaulted ceilings, and the convenience of having everything on one level. The rear patio and yard area provide additional outdoor living space and may offer the opportunity to be fenced, subject to HOA approval. Major updates include a ROOF REPLACED IN 2019 and HVAC SYSTEM FROM 2022, along with a 2013 WATER HEATER.
The home is ready for its next owner’s personal touches, updates, and creative vision. It has been thoughtfully priced to reflect its current condition and is being sold AS-IS, allowing buyers to remodel it according to their own style rather than paying a premium for someone else’s choices. Enjoy an exceptionally LOW HOA of approximately $110 per month, along with access to the community pool and tennis courts.
Tucked away in a quiet residential community while remaining convenient to shopping, restaurants, entertainment, Cranes Roost Park, the Seminole Wekiva Trail, and major roadways. If you have been searching for an affordable one-story townhome with a great layout and plenty of possibilities, this may be the opportunity you have been waiting for. Bring your vision and make it your own!
Description provided by SCHULTE REALTY LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$195,000
Bed / bath2 / 2
Living area1,033 sq ft
Year built1983
Property typeTownhouse
MLS #O6435669
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountySeminole
Area listings0 active · 0 under contract
Estimated first-year tax~$2,048/yr
CDD assessmentNone on record
HOA (per listing)$110/mo
Calculated estimates
Price per sq ft$189
Estimated monthly payment$1,394
Insurance (illustrative)$1k–$2k/yr
Messtimate range$220,029 – $230,359
Comparable-sales median$235,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of SCHULTE REALTY LLC · Listing agent: Linda Schulte · 407-721-0611Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$220,029the mess$230,359
Actual list price: $195,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 5% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1983 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $110/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
0 active listings competing, 2 under contract
7 closed here in the last 12 months
For reference, this home is listed at $195,000 ($189/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,033 sq ft × $213–$223/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near MONTGOMERY SQUARE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $195,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,048/yr
A rough first-year estimate only, applying a typical Seminole rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$110/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by SCHULTE REALTY LLC · MLS # O6435669
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Market data · public records
Recent sales activity in MONTGOMERY SQUARE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the MONTGOMERY SQUARE neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$235,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$222
Canonical 12-month median $/sq ft. Reference only.
Go deeper on MONTGOMERY SQUARE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Retail Dining
Seminole Towne Center set for 700 million dollar redevelopment with Costco
Ardent Companies is redeveloping the Seminole Towne Center in Sanford in a project valued around 700 million dollars, described as the largest commercial redevelopment in Seminole County history. Plans include the largest Costco in Central Florida at over 156,000 square feet, about 300 apartments, and new retail. Demolition was scheduled for July 2026 with the Costco expected to open in early 2027.
Why it matters: Converts a long dormant mall site into a mixed use center anchored by a large format Costco, new retail, and about 300 apartments, reshaping a major Seminole County commercial node. The project is about 11 miles northeast of Montgomery Square, elsewhere in Seminole County.
New Apopka complex with restaurants and offices set to open in 2026
A new commercial complex in Apopka with restaurants and office space is set to open in 2026, adding retail and workplace space in northwest metro Orlando.
Why it matters: New retail and office space in Apopka adds everyday conveniences and local jobs, amenity and employment factors that can support nearby housing demand. The site is about 7 miles west of Montgomery Square.
Schools currently assigned to this address in Seminole County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Seminole County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$230,000
525 DERBY DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,033 sq ft · $223/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Mar 2026
$224,900
521 DERBY DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,035 sq ft · $217/sq ft
Courtesy of LA ROSA REALTY LLC · View details →
Sold Oct 2025
$240,000
508 DERBY DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,036 sq ft · $232/sq ft
Courtesy of PREMIUM PROPERTIES R.E SERVICE · View details →
Sold Jul 2026
$235,000
523 DERBY DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,102 sq ft · $213/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Apr 2026
$230,000
526 PALACE DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,103 sq ft · $209/sq ft
Courtesy of PROMAX PROPERTY SOLUTIONS · View details →
Sold Dec 2025
$245,000
511 BRISTOL DRIVE, ALTAMONTE SPRINGS
2 / 2 bd/ba · 1,103 sq ft · $222/sq ft
Courtesy of PREMIER BROKERS INTERNATIONAL · View details →
Community 12-month median: $222/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$894 – $1,300/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$527 – −$161At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 520 Mansfield Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1983 (43 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $110/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Seminole County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,033 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,048/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ALTAMONTE SPRINGS
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 6, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 520 Mansfield Drive and when was it built?
Per the listing record, 520 Mansfield Drive was built in 1983 and has 1,033 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 520 Mansfield Drive in?
520 Mansfield Drive is in Montgomery Square in Altamonte Springs, Seminole County. The community section on this page shows recent closed sales, days on market, and active inventory for Montgomery Square from the same MLS data.
Does 520 Mansfield Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $110 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 520 Mansfield Drive differ from the current owner's?
The estimate on this page (about $2,048 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 520 Mansfield Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 520 MANSFIELD DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
