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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·49 days on market

3706 Landlubber Street

Orlando, FL 32812

$445,000$263/sqftEst. $2,426/mo mortgageMLS# 2164199
↓ $4,000 below original list
3
Beds
2
Baths
1,692
Sq Ft
1987
Built
2
Garage
No
Pool
FEMA Zone XHOA $36/mo11,326 sqft lotSingle Family Residence1 story

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Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orlando

LOCATION, UPDATES & MOVE-IN READY! Tucked away on a quiet cul-de-sac in highly sought-after Windward Place, this 3BR/2BA Conway home is just a short walk to Barber Park! The bright, open floor plan features vaulted ceilings, a cozy fireplace and beautifully remodeled kitchen and bathrooms (2023). Major updates include a high-end Lennox HVAC system with Wi-Fi thermostat and new ductwork (2024), sliding doors (2020) and roof (2017). Step outside to an oversized, fully fenced backyard featuring a variety of fruit trees, dedicated gardening space and a storage shed, with plenty of room for pets, play and entertaining. Irrigation is on its own well to help keep watering costs down. Approximately 1 mile to Lake George Elementary and Conway Middle, 4 miles to Boone High, and minutes from public boat ramps on Lake Conway. **Homes offering this much space, so many updates and a prime Conway location are hard to find--schedule your private showing and come see it for yourself!**

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,426
HOAbilled monthly$36
Estimated total, before insurance$2,462/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,784/yr · $482/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$445,000
$89,000
Loan Term
Monthly Payment
$2,426
Principal & Interest: $2,426
Insurance (est.): $297
Estimated Total Monthly
$2,723
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Shingle — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from OCU_Water_PARCELS per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,735 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 September 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,784/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Oct 9, 2026Price change$445,000−$4,000
  • Sep 10, 2026Listed$449,000

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

Features

Price$445,000
Price / Sq Ft$263
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,692
Total Structure Area2,300 sq ft
Acres0.26 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleFlat, Ranch, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3706 Landlubber Street, Orlando, FL 32812
Area993-Out Of Area-South
Subdivision**verifying Subd**
CityOrlando
CountyOrange
StateFL
Zip Code32812
Lot Size11,325.6 sq ft
Parcel Number082330937700420
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic, Well
ParkingGarage, Off Street

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesDouble Sided
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionOther
Patio / PorchFront Porch, Rear Porch
FencingBack Yard, Wood
RoofShingle

Additional Information

Date ListedSeptember 10, 2026
Days on Market49
HOA Fees$36 / Monthly
HOA FrequencyMonthly
Tax Amount$5,784.27
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EAGLES WORLD REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines