109 Pine Needle Ln, photo 1
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Overview

3 bd3 ba2,172 sqft2 car garageSingle Family
TypeSingle Family
HOA$525/yr
Built1967
Lot15,469 sqft
Living area2,172 sqft
Price / sqft$253
Garage2 car

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About this home

Eat-in KitchenSolid Wood CabinetsPrivate YardParkPlaygroundTennis Court(s)Street LightsElectric Water Heater

109 Pine Needle Ln is a 1967-built home in Spring Valley Farms Sec 02, Altamonte Springs. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,172 square feet of living space. Listed at $549,000 (about $253/sqft), 11 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $525 annually.

From the listing

With a Spring Valley address, this home will not last! Just over 2,000 square feet, three bedrooms, two-and-a-half baths, a bonus room, and the kind of space that gives you options. Inside, the layout is comfortable, functional and designed for real life. The main living and dining areas offer plenty of room to gather, entertain or simply spread out, while the bonus room gives you flexibility for a home office, media room, playroom, fitness space or whatever fits your lifestyle. The bedrooms are generously sized, and the home offers the kind of storage and breathing room that can be hard to find. The kitchen anchors the home with ample cabinetry, workspace and room to make it your own. Thoughtful updates add everyday value, including paid-off solar panels, a hybrid water heater and replacement windows completed in 2006—features that can help improve efficiency while keeping utility costs in mind. Outside, the spacious yard is framed by mature landscaping with plenty of room to garden, entertain, let the dogs run or create the outdoor space you’ve been imagining. The patio gives you a comfortable spot for slow mornings with coffee, relaxing at the end of the day or even setting up an outdoor workout space. With no pool to maintain, the backyard stays open, flexible and ready for whatever comes next. And the address comes with a community to match. Spring Valley is an established, tree-lined waterfront neighborhood centered around beautiful Spring Lake. Through the voluntary community association, residents can enjoy access to amenities including a private boat ramp onto skiable Spring Lake, waterfront park, tennis and pickleball courts, sand volleyball, basketball, playground, pavilion and fishing dock, along with neighborhood traditions like the Sunset Social on the first Friday of each month. A modest optional association fee opens the door to it all, without the restrictions of a mandatory HOA. A well-kept home with room to live, room to grow and plenty of opportunity to update and make it yours.

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The essentials

Built
1967
Price / sqft
$253
On market
11 days
Annual tax
$2,300
HOA
$525/yr
Flood zone
X · Low risk
Lot
15,469 sqft
Type
Single Family Residence

At a glance

Single family
Built 1967
2 car garage
Driveway
0.36 acres
Lot size
2,172 sqft
Living area

Payment

Est. monthly payment
$3,373/mo
Down payment (20%)
$109,800
Property taxes
$192/mo
HOA
$525/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1967
Lot
15,469 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Rear, Guest, Oversized, Parking Pad
Days on Market
11
Eat-in Kitchen
Solid Wood Cabinets
Private Yard
Park
Playground
Tennis Court(s)
Street Lights
Electric Water Heater
Elementary
Spring Lake Elementary
Middle
Milwee Middle
High
Lyman High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,300
Parcel #
15-21-29-511-0A00-0050

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
Spring Valley Farms Sec 02
County
Seminole
MLS Area
32714 - Altamonte Springs West/Forest City
Lot Size
15,469 sqft
LevelOversized LotPaved
HOA
$525/yr
Spring Valley Farms Community Association

Price history

Date
Event
Price
10/7/2026
Listed for sale
Source: Stellar MLS #O6447354
$549,000
$253/sqft

Neighborhood

109 Pine Needle Ln
Altamonte Springs, FL, 32714 · 32714 - Altamonte Springs West/Forest City

Market insights

Offer Insights

Choose an offer strength

List price: $549,000
$545,000 – $549,000
99.1% – 100% of listTops out right at the list price
80% of listList price
48 of the last 95 home closings in 32714 landed at this number or higher (51%). The median one sat 22 days before it went under contract, and this one is on day 11.

Sample: 95 closed home sales in 32714 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,373/mo
Principal & interest$2,863
Property taxes$192
Insurance$275
HOA$44
Down payment20% · $109,800
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%. 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

$549,000

$253 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,172 sq ft

Time on market

11 days

Year built

1967

Monthly payment

About $3,373/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,300 annual tax bill, insurance, and the $525/yr HOA fee.

HOA fee

$525/yr

Managed by Spring Valley Farms Community Association.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered bySERHANTListing agent: Shawn LaytonListing data from Stellar MLS, MLS# O6447354.

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