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Active Under Contract

Active Under Contract·55 days on market

340 Bella Rosa Circle Circle

Sanford, FL 32771

$350,000$224/sqftEst. $1,798/moMLS# 2152918

Beds

Baths

1,564

Sq Ft

2011

Built

Garage

Pool

About this home

Sanford

Welcome home to this beautifully updated 4-bedroom, 2-bath solid block home in the desirable Celery Estates community! This move-in ready property offers peace of mind with major system upgrades already completed, including a 3-year-old roof, 2-year-old HVAC system, and a 2-year-old 38k fully paid-off solar system--providing outstanding energy savings with no solar loan to assume. Inside, you'll find new flooring and fresh paint throughout, creating a bright, modern feel from the moment you walk in. The open floor plan is perfect for everyday living and entertaining, while the spacious bedrooms provide comfort for the whole family. Conveniently located near shopping, dining, major highways, and historic downtown Sanford, this home combines modern updates with an unbeatable location. Don't miss your opportunity to own this turnkey home!

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,798

Principal & Interest: $1,798

Insurance (est.): $233

Estimated Total Monthly

$2,031

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$1,798

HOAbilled quarterly$55

Estimated total, before insurance$1,853/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2011)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Sanford Sewer · Public water (record)

County records show this parcel on central sewer served by Sanford Sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,769 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 4, 2026Active Under Contract$350,000
Jul 13, 2026Price change$350,000−$6,000
Jun 29, 2026Listed$356,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$350,000

Price / Sq Ft$224

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,564

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOther

MiddleOther

HighOther

Community Information

Address340 Bella Rosa Circle Circle, Sanford, FL 32771

Area993-Out Of Area-South

SubdivisionCross Creek

CitySanford

CountySeminole

StateFL

Zip Code32771

Parcel Number29193150200001220

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

AppliancesENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup