431 Southern Pecan Cir #101, photo 1
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Overview

3 bd2 ba1,340 sqftCondominium
TypeCondominium
HOA$513.88/mo
Built2005
Lot6,251 sqft
Living area1,340 sqft
Price / sqft$205

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorAssociation Recreation - OwnedBuyer Approval RequiredClubhouseFitness Center

431 Southern Pecan Cir #101 is a 2005-built home in Southern Pines Condo, Winter Garden. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,340 square feet of living space. Listed at $274,500 (about $205/sqft), 39 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $513.88 monthly.

From the listing

ONE-YEAR HOME WARRANTY AVAILABLE WITH A FULL-PRICE OFFER! Welcome to this beautifully maintained 3-bedroom, 2-bathroom FIRST-FLOOR condo in the gated Southern Pines community of Winter Garden. Featuring a FRESH INTERIOR REPAINT (2026), UPDATED FIXTURES, a bright, open-concept layout, and NO CARPET THROUGHOUT FOR EASY MAINTENANCE, this home is truly move-in ready. Step inside to a spacious open living area offering a dedicated dining room and breakfast nook just off the kitchen. The kitchen features STAINLESS STEEL APPLIANCES, GRANITE COUNTERTOPS, NEUTRAL CABINETRY, and a pantry offering additional storage. The desirable split-bedroom floor plan provides added privacy, with the primary suite positioned on one side of the home and two additional bedrooms with a guest bathroom on the opposite side. All three generously sized bedrooms feature walk-in closets, providing plenty of storage throughout the home. Ideal as a primary residence or investment property, this low-maintenance condo offers excellent rental potential in a desirable Winter Garden location. HOA dues include internet and basic cable, adding further value and convenience. Southern Pines offers an impressive collection of resort-style amenities, including a pool and spa, fitness center, tennis courts, indoor basketball and volleyball courts, playground, dog park, clubhouse, theater room, billiards room, BBQ area, resident car wash station, and on-site management. Conveniently located near highly regarded public schools, Publix, Winter Garden Village, the West Orange Trail, and vibrant Downtown Winter Garden, with easy access to SR-429, Florida’s Turnpike, and major Orlando attractions. Whether you're searching for a comfortable primary residence or a great investment opportunity, this well-located Winter Garden condo delivers space, convenience, amenities, and value.

The essentials

Built
2005
Price / sqft
$205
On market
39 days
Annual tax
$3,883
HOA
$513.88/mo
Flood zone
X · Low risk
Lot
6,251 sqft
Type
Condominium

At a glance

Condo
Built 2005
Community pool
Fitness center too
1,340 sqft
Living area

Payment

Est. monthly payment
$2,407/mo
Down payment (20%)
$54,900
Property taxes
$324/mo
HOA
$513.88/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2005
Lot
6,251 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
39
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Fitness Center
Gated Community - No Guard
Park
Playground
Pool
Sidewalks
Tennis Court(s)
Microwave
Range
Refrigerator
Elementary
SunRidge Elementary
Middle
SunRidge Middle
High
West Orange High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$3,883
Parcel #
26-22-27-8134-02-101

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Southern Pines Condo
County
Orange
MLS Area
34787 - Winter Garden/Oakland
Lot Size
6,251 sqft
HOA
$513.88/mo
VICTOR QUINO

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #O6439215
$274,500-3.7%
$205/sqft
9/3/2026
Listed for sale
Source: Stellar MLS #O6439215
$284,995
$213/sqft

Neighborhood

431 Southern Pecan Cir #101
Winter Garden, FL, 34787 · 34787 - Winter Garden/Oakland

Market insights

Offer Insights

Choose an offer strength

List price: $274,500
$267,500 – $274,500
97.4% – 100% of listTops out right at the list price
80% of listList price
14 of the last 26 condo closings in 34787 landed at this number or higher (54%). The median one sat 79 days before it went under contract, and this one is on day 39 after a $10,495 cut.

Sample: 26 closed condo sales in 34787 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,406/mo
Principal & interest$1,432
Property taxes$324
Insurance$137
HOA$514
Down payment20% · $54,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$274,500

$205 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,340 sq ft

Time on market

39 days

Year built

2005

Monthly payment

About $2,407/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,883 annual tax bill, insurance, and the $513.88/mo HOA fee.

HOA fee

$513.88/mo

Managed by VICTOR QUINO.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX PRIME PROPERTIESListing agent: Nick WhitehouseListing data from Stellar MLS, MLS# O6439215.

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