512 DERBY DRIVE, ALTAMONTE SPRINGS, FL, 32714
Active2 days on marketListed Aug 10, 2026MLS #O6431992
About this home
512 DERBY DRIVE
Virtually Staged. **NEW HVAC! **NEW WATER HEATER! **LOW $110/MONTH HOA!** SINGLE-STORY 2BR/2BA TOWNHOME **SPLIT FLOORPLAN, END-UNIT**NO REAR NEIGHBORS! Move-in ready townhome with a generous outdoor living space. Two parking spaces are conveniently located directly in front of the home From the moment you enter, architectural details set this home apart. Decorative wainscoting and vaulted ceilings add character throughout the interior. The 12x10 dining room could also be your perfect FLEX space for YOUR lifestyle. The kitchen provides generous cabinet and counter space plus a LARGE PANTRY. The kitchen is a blank canvas; make it yours. A convenient pass-through window connects the kitchen with the family room. For added convenience, the washer and dryer are tucked away in a dedicated hall closet. The family room features a vaulted ceiling and sliding glass doors opening to up to approx. 100 sqft **PRIVATE OUTDOOR LIVING SPACE, a screened lanai, an extension of the interior living space, relaxing at the end of the day—with plenty of space for little ones and furry family members to play safely. Enter the primary suite through French doors, privately positioned at the back of the home, and includes an en-suite bathroom with an updated vanity, a separate shower, and a walk-in closet. The desirable split-bedroom floor plan places the second bedroom and remodeled guest bathroom at the front of the home, providing separation and privacy for residents and guests. Montgomery Square residents enjoy a PET-Friendly COMMUNITY, with a lovely POOL area AND TENNIS COURTS, and the exceptionally **LOW $110 MONTHLY HOA** adds to the appeal. This home offers an attractive opportunity for first-time buyers, those looking to downsize, or investors seeking an addition to their real estate investment portfolio. LOCATION, LOCATION, LOCATION! Enjoy the OUTDOOR LIFESTYLE Altamonte Springs and Seminole County are known for. The home is conveniently located near Westmonte Recreation Center, Seminole Wekiva Trail, several Parks, Wekiwa Springs State Park, Cranes Roost Park, Altamonte Mall, and AdventHealth Altamonte, along with an abundance of restaurants, shopping, and grocery stores. Easy access to I-4, SR 436, SR 434. NEW HVAC + NEW WATER HEATER + LOW HOA + SINGLE-STORY LIVING + SPLIT FLOOR PLAN + PRIVATE SCREENED PATIO + NEW FENCE + NO REAR NEIGHBORS = an Altamonte Springs townhome that deserves to be YOURS.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0.06 ac
Lot size
1984
Year built
One
Levels
$208
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,049 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,049/mo
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.
vs edgeAI estimate
+0.1%
$/sqft vs Altamonte Springs actives
$208 vs $182
Days on market
2 vs 47 typical
Where $208/sqft sits among the 292 Altamonte Springs actives
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 Altamonte Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
The numbers that matter
The Altamonte Springs market
$313K → $315K
Altamonte Springs median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
150 of 292
Altamonte Springs actives have cut their price
Median sold price, Altamonte Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the Altamonte Springs median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 512 DERBY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$235,000
523 DERBY DRIVE · same community
2 bd · 2 ba · 1,102 sqft · $213/sqft · 18 DOM
Sold · Apr ’26$230,000
526 PALACE DRIVE · same community
2 bd · 2 ba · 1,103 sqft · $209/sqft · 3 DOM
Sold · Dec ’25$245,000
511 BRISTOL DRIVE · same community
2 bd · 2 ba · 1,103 sqft · $222/sqft · 5 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.
Your agent
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 512 DERBY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 512 DERBY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
512 DERBY DRIVE FAQs
What would the monthly payment be for 512 DERBY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,049/mo — principal and interest, the actual property-tax bill, the $110/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 512 DERBY DRIVE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 512 DERBY DRIVE?+
The most recent tax bill on record (2025) was $3,954. 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 512 DERBY DRIVE?+
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 Altamonte Springs?+
At $229,000, this home is listed about 14% above the Altamonte Springs median of $200,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of UNITED REAL ESTATE PREFERRED · Nadja McMillan, PA. MLS #O6431992.
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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