Chad Creech
$525,0003 bd2 ba1,909 sqft$275 /sqft$4,112 /mo all-in ↓

356 BLACK SPRINGS LANE, WINTER GARDEN, FL, 34787

Active14 days on marketListed Aug 1, 2026MLS #O6430069

Single Family ResidenceLIFT STATION/COBBLESTONE/WINTE

About this home

356 BLACK SPRINGS LANE

Bright, open living meets a polished, move-in-ready feel in Winter Garden. A flowing tile-floor plan creates an effortless backdrop for daily living and entertaining, anchored by a standout kitchen with crisp white cabinetry, stainless steel appliances, dramatic stone countertops and backsplash, recessed lighting, and an oversized waterfall island with seating. The generous primary retreat offers a large walk-in closet and an en-suite bath with dual sinks, a soaking tub, and a separate tiled shower. Well-proportioned secondary bedrooms offer versatile space, while the interior laundry room and two-car garage add everyday convenience. Sliding glass doors open to a covered, screened lanai, an inviting spot for morning coffee, outdoor dining, or relaxing with views of the expansive backyard. The home’s welcoming curb appeal is enhanced by an arched entry, shutters, and established landscaping. Enjoy the best of Winter Garden living, with Historic Downtown Winter Garden’s boutiques, dining, farmers market, and community events, plus the beloved West Orange Trail for walking, biking, and exploring.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,909

Sqft

0.26 ac

Lot size

2

Garage

2006

Year built

One

Levels

$275

Per sqft

Pets allowed

Inside

FlooringCeramic Tile
AppliancesOther
InteriorWalk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesSouth
ExteriorSliding Doors

Community & fees

HOA fee$83/mo
Taxes (2025)$6,557/yr
PetsYes
CommunityGated Community - No Guard · Sidewalks

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$4,112 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$546
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida 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

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$4,112/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$546
HOA / condo fee$83
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $525K
$449KedgeAI estimate $480,560 · range $467K$493K$546K

vs edgeAI estimate

+9.2%

$/sqft vs Winter Garden actives

$275 vs $259

Days on market

14 vs 40 typical

Where $275/sqft sits among the 400 Winter Garden actives

76
134
95 · this home
40
26
29
$178–219$219–261$261–303$303–345$345–387$387+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Winter Garden

Map of 356 BLACK SPRINGS LANE

Drive times from this address

Downtown Orlando19 min
Universal Orlando22 min
Walt Disney World24 min
Orlando Int’l Airport (MCO)34 min

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

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

WINTER GARDEN 34787 — neighborhood snapshot

Population

93,064

Median age

37.4

Median income

$114,988

Median home value

$475,000

Avg household

3.02

Households w/ children

13,499

For the school run

Orange County School District

ElementarySunridge Elementary★★★★★
MiddleSunridge Middle★★★★
HighWest Orange High★★★★

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

The numbers that matter

The Winter Garden market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$585K$630K

Winter Garden median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

199 of 400

Winter Garden actives have cut their price

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

This home is listed 1% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →

Paper trail

This home's history

Aug 1, 2026Listed at $525,000 · 14 days on market since
2006Built · LIFT STATION/COBBLESTONE/WINTE

Reality check

What actually sold near 356 BLACK SPRINGS LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

309 BLACK SPRINGS LANESold · Aug ’25

$540,000

309 BLACK SPRINGS LANE · same community

3 bd · 2.5 ba · 2,529 sqft · $214/sqft · 65 DOM

242 BLACK SPRINGS LANESold · May ’26

$495,000

242 BLACK SPRINGS LANE

3 bd · 2 ba · 1,909 sqft · $259/sqft · 9 DOM

224 BLACK SPRINGS LANESold · Apr ’26

$485,000

224 BLACK SPRINGS LANE

3 bd · 2 ba · 1,916 sqft · $253/sqft · 39 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 356 BLACK SPRINGS LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 356 BLACK SPRINGS LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

356 BLACK SPRINGS LANE FAQs

What would the monthly payment be for 356 BLACK SPRINGS LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,112/mo — principal and interest, the actual property-tax bill, the $83/mo association fee 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.

How much are the HOA fees at 356 BLACK SPRINGS LANE?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 356 BLACK SPRINGS LANE?+

The most recent tax bill on record (2025) was $6,557. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 356 BLACK SPRINGS LANE?+

The listing reports pets: Yes. 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 Garden?+

At $525,000, this home is listed about 10% below the Winter Garden median of $585,000. The market section on this page shows how the area is trending.

Which schools are assigned to 356 BLACK SPRINGS LANE?+

Sunridge Elementary (elementary), Sunridge Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of ACME REAL ESTATE FLORIDA LLC · Regan Jackson. MLS #O6430069.

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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