Sean Riebau
$2,1953 bd3.5 ba1,472 sqft$1 /sqft≈$176 /mo all-in ↓

3813 BLACK SPRUCE LANE, WINTER SPRINGS, FL, 32708

Active1 days on marketListed Aug 17, 2026MLS #O6434339

✦ Priced 99% below the WINTER SPRINGS 32708 medianTownhouseHERITAGE COMMONS

About this home

3813 BLACK SPRUCE LANE

Welcome to this 3-bedroom, 2.5-bathroom home located in the desirable Winter Springs, FL. This property offers a perfect blend of comfort and style, featuring a single car garage for your convenience. The home is nestled within a secure, gated community, providing an added layer of security and peace of mind. The highlight of this property is undoubtedly its private pool, perfect for enjoying the Florida sunshine. Whether you're looking for a place to entertain or a comfortable space to call home, this property is sure to meet your needs. Don't miss out on this gem in Winter Springs!

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

1,472

Sqft

0.03 ac

Lot size

1

Garage

2011

Year built

Two

Levels

$1

Per sqft

Inside

AppliancesDishwasher · Disposal · Microwave · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

Community & fees

PetsBreed Restrictions, Pet Deposit, Size Limit
CommunityClubhouse · Playground · Pool · Tennis Court(s)

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$176 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $77Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $77
Interest rate6.00%
Loan term

Estimated payment

$176/mo

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Heritage Commons

Map of 3813 BLACK SPRUCE LANE inside its neighborhood boundary

Drive times from this address

Downtown Orlando≈ 22 min
Orlando Int’l Airport (MCO)≈ 30 min
Universal Orlando≈ 35 min
Walt Disney World≈ 47 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Winter Springs. See the full Winter Springs guide →

Heritage Commons — neighborhood snapshot

Population

756

Median age

36

Median income

$70,774

Median home value

$427,700

Avg household

2

Households w/ children

51%

For the school run

Seminole County School District

ElementaryRed Bug Elementary School★★★★★
HighLake Howell High School★★★★★
MiddleTuskawilla Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Springs market

Seller’s marketSeller’s market — 2.5 months of inventoryBuyer’s market

$433K → $440K

Winter Springs median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

Median sold price, Winter Springs, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →

Paper trail

This home's history

Aug 17, 2026Listed at $2,195 · 1 days on market since
2011Built · HERITAGE COMMONS

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.

Sean Riebau

Your agent

Sean Riebau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3813 BLACK SPRUCE LANE — start here.

CallText
sean.riebau@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3813 BLACK SPRUCE LANE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

3813 BLACK SPRUCE LANE FAQs

What would the monthly payment be for 3813 BLACK SPRUCE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 3813 BLACK SPRUCE LANE?+

The listing reports pets: Breed Restrictions, Pet Deposit, Size Limit. 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 $2,195, this home is listed about 99% below the Winter Springs median of $396,250. The market section on this page shows how the area is trending.

Which schools are assigned to 3813 BLACK SPRUCE LANE?+

Red Bug Elementary School (elementary), Lake Howell High School (high), Tuskawilla Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CITRUS PROPERTY MGMT LLC · Jennifer Tribou. MLS #O6434339.

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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