Single Family Residence in STEWARTS SUB, ALTAMONTE SPRINGS · No CDD
STEWARTS SUB · ALTAMONTE SPRINGS, FL 32701 · Seminole
Listing data updated August 23, 2026 · refreshed twice daily
2Bedrooms
1Bathrooms
1,113Sq Ft
1950Year Built
$292Per Sq Ft
WaterfrontNo CDDFEMA Zone X
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% above
$/sq ft vs community
$292 here vs $255 median sold (12 mo)
Buyer leverage
Strong buyer advantage
2 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~97 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $325,000 — recent neighborhood median sale price ~$250,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · STEWARTS SUB
Pricing & the STEWARTS SUB market
How this home is priced against recent nearby sales, and where STEWARTS SUB 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.
Property timeline
This home’s history
1950BuiltPer public record
Aug 20, 2026First trackedObserved at $325,000
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
$2,183/mo
Principal & interest $1,673/mo77%
Taxes $284/mo13%
Insurance $176/mo8%
HOA $50/mo2%
$2,183/mo at 20% down, 30-yr @ 6.67% · 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 $2,150/yr ($179/mo)
+$2,025 more each year
(+94%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$54,804
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
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
46/100
Strongest on: Flood safety (95), Renovation upside (70)
0 limited50100 exceptional
46/100 is below average 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 area14
This home $292/sq ft vs the community 12-month median $255/sq ft.
Affordability0
List price $325,000 vs the community median $250,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~97 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1950 build. Obtain a property-specific quote.
Renovation upside70
From a 1950 build and $292/sq ft vs the community median $255/sq ft. Not a condition assessment.
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
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 2 days on market for this home, against a 2-day area median.Days on market:this home 2Area median: 2 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2025. As of August 2, 2026.
🟡 Asking $292 per square foot, about 15% above the community’s $255 median. STEWARTS SUB’s 12-month median sold price per square foot is $255. Confidence: Low · 1 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.
56% of homes in STEWARTS SUB are owner-occupied. An estimated 44% are non-owner-occupied, including 11% 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), 329 homes matched. Community-level context.
Updated August 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. It’s all about the lifestyle. Welcome to 809 Grandview Avenue, a charming 2-bedroom, 1-bath waterfront home tucked away just off Maitland Avenue in Altamonte Springs.
Situated on an oversized 0.26-acre lot with NO HOA and approximately 75 feet of pond frontage, this property offers something increasingly hard to find: space, privacy, flexibility, and a peaceful waterfront setting—all while keeping you close to the conveniences of Central Florida. Imagine starting your morning with coffee overlooking the water, spending the afternoon relaxing beneath the expansive covered lanai, hosting friends for a weekend BBQ, or ending the day around the fire pit as the sun settles over the pond. Here, the backyard is more than outdoor space—it becomes an extension of your everyday lifestyle.
Step through the elegant double front doors into a comfortable and inviting interior featuring luxury vinyl flooring throughout multiple living areas and a functional single-story layout. The renovated bathroom offers a relaxing jetted tub, while the convenient indoor laundry room adds everyday practicality. Thoughtful improvements provide additional value and peace of mind, including interior paint (2026), sealed deck (2026), French drains (2023), gutters (2023), and roof replacement (2017).
Additional features include multi-split A/C systems, ceiling fans, generous storage, and flexible living spaces ready to complement your personal style. The true highlight, however, is the outdoor experience. The oversized backyard and waterfront setting provide plenty of room to entertain, garden, unwind, or simply enjoy the tranquility of the pond from your own property.
The location adds even more to the home’s appeal. Conveniently situated just off Maitland Avenue near I-4, the property provides easy access to everyday essentials and many of the area’s popular destinations. A hospital is approximately one mile away, while Crane’s Roost trails and Mall, well-known festivals, excellent dining, local shops, and other conveniences are all nearby.
The home is also located within the Seminole County School District, with additional private-school options available throughout the surrounding area. Whether commuting to work, heading to an appointment, running errands, meeting friends for dinner, enjoying a local festival, or spending the day swimming at the springs, this central location helps keep everything within easy reach. With NO HOA, more than 1/4 acre, approximately 75 feet of waterfront frontage, updated finishes, expansive outdoor living areas, and everyday conveniences nearby, 809 Grandview Avenue delivers a unique combination of location, freedom, comfort, and lifestyle.
Come experience the setting, the space, and the lifestyle for yourself. Schedule your private showing today.
Description provided by ROBERT MICHAEL & COMPANY INC. 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$325,000
Bed / bath2 / 1
Living area1,113 sq ft
Year built1950
Property typeSingle Family Residence
MLS #S5155239
Listing statusNew — 2 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~97 ft
Windstorm exposureLow
CountySeminole
Area listings0 active · 0 under contract
Estimated first-year tax~$3,412/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$292
Estimated monthly payment$2,183
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$250,000
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 ROBERT MICHAEL & COMPANY INC. · Listing agent: Robert Micha Medrano Diaz, Sr · 407-545-2272Provided 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.
$249,312the mess$318,318
Actual list price: $325,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
1 closed here in the last 12 months
For reference, this home is listed at $325,000 ($292/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: 1,113 sq ft × $224–$286/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 23, 2026.
Keep looking
Similar homes for sale near STEWARTS SUB
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 $325,000Momentum Realty · on market 2 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.)
~$3,412/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)
$2k–$3k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/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
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~97 ft
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.
Market data · public records
Recent sales activity in STEWARTS SUB
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 STEWARTS SUB neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$250,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$255
Canonical 12-month median $/sq ft. Reference only.
Go deeper on STEWARTS SUB
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 22 miles northwest of Stewarts Sub, elsewhere in Seminole County.
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
Why it matters: A new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 12 miles southwest of Stewarts Sub.
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.
GRADEB
Lake Orienta ElementaryAssigned elementary school · Seminole County School District · Grade B (Florida DOE 2025-26)
GRADEA
Milwee MiddleAssigned middle school · Seminole County School District · Grade A (Florida DOE 2025-26)
GRADEB
Lyman HighAssigned high school · Seminole County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Sep 2025
$250,000
635 MAITLAND AVENUE, ALTAMONTE SPRINGS
2 / 1 bd/ba · 981 sq ft · $255/sq ft
Courtesy of VISION HOME REAL ESTATE, LLC · View details →
Community 12-month median: $255/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$1,490 – $2,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$738 – −$128At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
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: August 23, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 809 GRANDVIEW AVENUE 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.
