328 PANAMA CIRCLE, WINTER SPRINGS, FL, 32708
Active0 days on marketListed Aug 6, 2026MLS #O6431281
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Sat, Aug 8
12:00 PM – 3:00 PM
About this home
328 PANAMA CIRCLE
Nestled on a quiet cul-de-sac in the desirable Foxmoor community of Winter Springs, this charming pool home offers the perfect combination of comfort, privacy, and convenience. Situated on an oversized quarter-acre lot with no HOA, this 3-bedroom, 2-bath residence features a beautifully remodeled kitchen complete with granite countertops, updated appliances, and French doors that open to an expansive outdoor living area. Step outside to your own backyard oasis featuring a sparkling in-ground pool, spacious deck, and plenty of room for entertaining family and friends. An enclosed all-weather porch provides additional year-round living space, while a versatile office or flex room off the primary suite offers the perfect setup for working from home, a nursery, or private retreat. Located just minutes from top-rated Seminole County schools, parks, shopping, dining, and major roadways, this home delivers the ideal Florida lifestyle with a rare combination of space, updates, and an unbeatable location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,107
Sqft
0.26 ac
Lot size
2
Garage
1980
Year built
One
Levels
$339
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 — not generic estimates.
$2,755 /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
$2,755/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
+8.9%
Days on market
0 vs 38 typical
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 Foxmoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Springs. See the full Winter Springs guide →
Foxmoor — neighborhood snapshot
Population
873
Median age
41
Median income
$66,393
Median home value
$239,335
Avg household
3
Households w/ children
112
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Springs market
$433K → $440K
Winter Springs median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Winter Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
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
Kerry Perro
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 328 PANAMA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 328 PANAMA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kerry's phone and CRM.
Straight answers
328 PANAMA CIRCLE FAQs
What would the monthly payment be for 328 PANAMA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,755/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 328 PANAMA CIRCLE?+
The most recent tax bill on record (2025) was $2,663. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Springs?+
At $375,000, this home is listed about 6% below the Winter Springs median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 328 PANAMA CIRCLE?+
Layer Elementary School (elementary), Indian Trails Middle School (middle), Winter Springs High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Fresh on the market
Listed today in a Winter Springs market that averages 38 — if it fits, move quickly.
03Strong assigned schools
Layer Elementary School, Indian Trails Middle School, Winter Springs High School — Layer Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Abraham Mendez. MLS #O6431281.
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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