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Overview

5 bd4 ba2,498 sqft4 car garageDuplex
TypeDuplex
HOANone listed
Built1972
Lot256,132 sqft
Living area2,498 sqft
Price / sqft$346
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, 4 bathrooms, and 2,498 square feet of living space. Listed at $864,000 (about $346/sqft), 1 day on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Set on a combined 5.88 acres in Christmas, this unique ranch-style property offers a rare combination of privacy, space, versatility, and investment potential with no HOA. The residence and its improvements sit on 2.36 fully fenced acres, with additional acreage included in the sale, creating even more opportunities for future use, expansion, or income-producing possibilities. 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 potential future conversion to a barndominium or accessory dwelling unit, subject to applicable approvals, 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. With 5.88 total acres included in the offering, this property presents an appealing opportunity for buyers seeking an expansive private estate, a flexible property with potential income-producing uses, or room to explore future possibilities. 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
$346
On market
1 day
Annual tax
$4,135
Flood zone
X · Low risk
Lot
256,132 sqft
Type
Duplex

At a glance

Multi-family
Built 1972
Private pool
In Ground
4 car garage
5.88 acres
Lot size
2,498 sqft
Living area

Payment

Est. monthly payment
$5,283/mo
Down payment (20%)
$172,800
Property taxes
$345/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
1972
Lot
256,132 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Electric, Heat Pump
Parking
-
Pool
In Ground, Auto Cleaner, Deck, Lighting
Days on Market
1
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
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
256,132 sqft

Price history

Date
Event
Price
10/14/2026
Listed for sale
Source: Stellar MLS #O6449247
$864,000
$346/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $864,000
$860,000 – $864,000
99.5% – 100% of listTops out right at the list price
80% of listList price
213 of the last 424 home closings in Orange County landed at this number or higher (50%). The median one sat 24 days before it went under contract, and this one is on day 1.

Sample: 424 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
$5,283/mo
Principal & interest$4,506
Property taxes$345
Insurance$432
Down payment20% · $172,800
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

$864,000

$346 per sq ft

Beds and baths

5 beds, 4 baths

Size

2,498 sq ft

Time on market

1 day

Year built

1972

Monthly payment

About $5,283/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.

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS WINTER PARKListing agent: Nick McKeeListing data from Stellar MLS, MLS# O6449247.

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