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Overview

5 bd3 ba2,498 sqft4 car garageSingle Family
TypeSingle Family
HOANone listed
Built1972
Lot87,120 sqft
Living area2,498 sqft
Price / sqft$280
Garage4 car

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

About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)Wet BarWindow Treatments

20963 E Colonial Dr is a 1972-built home in Not IN A Subdivision, Christmas. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,498 square feet of living space. Listed at $699,000 (about $280/sqft), 28 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Set on 2.36 fully fenced acres in Christmas, this ranch-style property offers a rare combination of privacy, space, and versatility with no HOA. The five-bedroom, two-and-a-half-bath home features a split floor plan, updated bathrooms, 2024 flooring, a 2024 wet bar, and dual-zoned HVAC installed in 2021. The primary suite is designed as a comfortable retreat with dual sinks, a walk-in shower with bench, a designer closet, and a hurricane-rated sliding door that opens to the screened Florida Room overlooking the pool. Hurricane windows were added to the main home in 2020, and both the home and barn received new roofs in 2022. The outdoor spaces are equally inviting, with a resurfaced pool, screened Florida Room, heart-shaped pond with a walking path and bench, a well-built fire pit, mature fruit trees, and plenty of open green space to enjoy. Behind the barn, there is room for gardening, reading, meditation, horseshoes, frisbee, golf practice, or archery, with a raised berm already in place. An existing chicken coop adds even more potential for those looking to enjoy a more self-sufficient lifestyle. Thoughtful additions throughout the property include front-yard sprinklers, backyard drip irrigation, strategically placed hose bibs, yard outlets, security lighting, and a covered generator port. The block-constructed barn sits on a solid, high-and-dry cement slab and expands the possibilities of the property. It includes a climate-controlled gym with a new mini-split, workshop space, a garden/tool room, 2025 hurricane windows, and a 2025 automatic garage door. Whether used for storage, hobbies, livestock, gardening, or future barndominium or ADU potential, the space offers flexibility to suit a variety of needs. An oversized boat and RV pad with dedicated power, along with off-grid and solar potential, adds even more functionality. The property also includes a powered wellhouse and a well filtration system that services both the home and pool. A long list of updates adds confidence and convenience, including electrical improvements and the well system in 2018, water heater and pool resurfacing in 2019, driveway paving and dual-zoned HVAC in 2021, roof replacements and septic pumping in 2022, plus additional interior and barn improvements through 2025. Full service records are available for the systems. The location offers a peaceful setting while remaining convenient to surrounding destinations, with Orlando International Airport approximately 25 minutes away, Titusville and the Space Coast about 20 minutes away, SpaceX and the beaches about 35 minutes away, and Orlando, UCF, shopping, restaurants, fishing, boat launches, airboat tours, nature preserves, and Orlando Wetlands Park all within easy reach.

The essentials

Built
1972
Price / sqft
$280
On market
28 days
Annual tax
$4,135
Flood zone
X · Low risk
Lot
87,120 sqft
Type
Single Family Residence

At a glance

Single family
Built 1972
Private pool
Auto Cleaner
4 car garage
2.36 acres
Lot size
2,498 sqft
Living area

Payment

Est. monthly payment
$4,340/mo
Down payment (20%)
$139,800
Property taxes
$345/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1972
Lot
87,120 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Electric, Heat Pump
Parking
-
Pool
Auto Cleaner, Deck, In Ground, Lighting
Days on Market
28
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Fire Pit
Lighting
Rain Gutters
Rv Hookup
Storage
Dishwasher
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,135
Parcel #
36-22-32-6216-00-340

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
Not IN A Subdivision
County
Orange
MLS Area
32709 - Christmas
Lot Size
87,120 sqft

Price history

Date
Event
Price
9/12/2026
Listed for sale
Source: Stellar MLS #O6440384
$699,000
$280/sqft

Neighborhood

20963 E Colonial Dr
Christmas, FL, 32709 · 32709 - Christmas

Market insights

Offer Insights

Choose an offer strength

List price: $699,000
$695,000 – $699,000
99.5% – 100% of listTops out right at the list price
80% of listList price
212 of the last 423 home closings in Orange County landed at this number or higher (50%). The median one sat 23 days before it went under contract, and this one is on day 28.

Sample: 423 closed home sales in Orange County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,340/mo
Principal & interest$3,646
Property taxes$345
Insurance$350
Down payment20% · $139,800
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%. 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

$699,000

$280 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,498 sq ft

Time on market

28 days

Year built

1972

Monthly payment

About $4,340/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,135 annual tax bill, insurance.

Flood zone

Zone X

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

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Brokered byKELLER WILLIAMS WINTER PARKListing agent: Nick McKeeListing data from Stellar MLS, MLS# O6440384.

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