Carlos Torres
$1,775,0004 bd4 ba3,630 sqft$489 /sqft$11,682 /mo all-in ↓

890 N PHELPS AVENUE, WINTER PARK, FL, 32789

Active9 days on marketListed Aug 7, 2026MLS #O6430202

Private poolSingle Family ResidenceOSCEOLA OR LAKEVIEW DEED

Come see it

Upcoming open house

Sun, Aug 16

11:00 AM – 2:00 PM

About this home

890 N PHELPS AVENUE

Charming and Sophisticated, this single-story home combines the old with the new in such a seamless manner, you will walk through the etched glass front door and immediately have the desire to sit down with a glass of wine, listen the player piano, and you will never want to leave. Welcome to this Completely Renovated Custom Home in the highly coveted area of Winter Park, just a few blocks from Phelps Park, the YMCA, and a beautiful walk to the Park Avenue shops and restaurants. Walking up the paver drive, over the travertine front patio and stepping into this gorgeous home, you are greeted with the formal living room featuring a player piano, a beautiful marble wood burning fireplace, and hardwood floors that flow throughout the home. Turning to your right you will find 3 large bedrooms, 2 full bathrooms and 1 half bath. You will note one of these secondary bedrooms presents as an en-suite with a full bathroom. The other 2 bedrooms share a full bathroom, along with an auxiliary half bath. Moving forward through the living room you step into the stunning oversized dining room, complete with a wall-bar custom made in Italy along with a wine dispensing machine (picture the Wine Room) which conveys with the sale. From the dining room we step down into a chef's kitchen like no other. Stunning 42"white wood cabinets, quartz countertops, white subway tile backsplash, a 6-burner natural GAS RANGE, double oven, and the largest center island with a microwave and beverage cooler on either end. This magnificent kitchen opens up to a large family room with French doors, surround sound speakers and large sunlit windows. Walking through the family room you will find the primary suite tucked away in the back of the house for the ultimate private sanctuary. Along with the generously sized bedroom with French doors giving access to the backyard and pool, you will be in absolute awe of the incredible primary bathroom, featuring his and hers sinks, a standalone tub, and a double-sided walk-in shower with 2 showerheads and storage benches. The on-demand hot water heater servicing this bathroom means you will never run out of hot water! Oversized His and Hers closets are the proverbial icing on the cake to this primary retreat ("Hers" is the size of a bedroom!). Stepping outside to the cozy covered patio, you will be drawn to the heated, saltwater pool built new in 2023, along with a summer kitchen, electric fireplace, and outdoor TV entertainment, also featuring the cutest pool half bath (no more dripping wet indoor bathroom trips!). Complementing the pool area is a fully fenced backyard for the 2-legged and/or 4-legged kiddos, large privacy hedges, and NO REAR NEIGHBORS. This home comes complete with a whole house Sonos system and speakers playing music throughout the house, even on the back patio, along with a whole house security system including 2 cameras and a Ring doorbell through Vivint. The 2-car garage easily fits both of your vehicles and has amble overhead storage along with attic access. Freshly painted exterior in 2026! Roof is 2018, AC's are 2018, hot water heater is 2026, and an updated irrigation system supported by a private well. Zoned for the BEST SCHOOLS, you can walk to Lakemont Elementary! Middle school is Maitland Middle, and of course, Winter Park High School. Only one lucky family will be able to call this turn-key custom Winter Park home theirs. Make an appt today so that lucky family is yours!

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,630

Sqft

0.24 ac

Lot size

2

Garage

2018

Year built

One

Levels

$489

Per sqft

Private poolFireplaceNegotiablePets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Crown Molding · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationCrawlspace
FacesWest
ExteriorFrench Doors · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Private Yard · Rain Gutters · Sidewalk

Community & fees

Taxes (2025)$15,339/yr
PetsYes
CommunityPark · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

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

$11,682 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,578
PMI (est., until 20% equity)$666
Property tax — 2025 actual bill$1,278
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $177,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $177,500
Interest rate6.00%
Loan term

Estimated payment

$11,682/mo

Principal & interest$9,578
PMI (est., until 20% equity)$666
Property taxes (actual bill)$1,278
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $1.8M
$1.6MedgeAI estimate $2,035,205 · range $1.7M$2.7M$2.8M

vs edgeAI estimate

−12.8%

$/sqft vs Winter Park actives

$489 vs $343

Days on market

9 vs 41 typical

Where $489/sqft sits among the 331 Winter Park actives

129
79
48 · this home
24
21
30
$155–293$293–431$431–568$568–706$706–844$844+

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 Park

Map of 890 N PHELPS AVENUE

Drive times from this address

Downtown Orlando14 min
Universal Orlando26 min
Orlando Int’l Airport (MCO)26 min
Walt Disney World38 min

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

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

WINTER PARK 32789 — neighborhood snapshot

Population

26,884

Median age

44.4

Median income

$100,213

Median home value

$695,000

Avg household

2.13

Households w/ children

2,125

For the school run

Orange County School District

ElementaryLakemont Elementary★★★★★
MiddleMaitland Middle★★★★★
HighWinter Park High★★★★

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

The numbers that matter

The Winter Park market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$470K$512K

Winter Park median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

146 of 331

Winter Park actives have cut their price

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

This home is listed 118% above the WINTER PARK 32789 median. See the full Winter Park market guide →

Paper trail

This home's history

Aug 7, 2026Listed at $1,775,000 · 9 days on market since
2018Built · OSCEOLA OR LAKEVIEW DEED

Reality check

What actually sold near 890 N PHELPS AVENUE

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

617 WORTHINGTON DRIVESold · Mar ’26

$1,725,000

617 WORTHINGTON DRIVE

5 bd · 4.5 ba · 3,533 sqft · $488/sqft · 215 DOM

426 WORTHINGTON DRIVESold · Jul ’26

$2,475,000

426 WORTHINGTON DRIVE

5 bd · 4.5 ba · 3,520 sqft · $703/sqft · 13 DOM

521 S PHELPS AVENUESold · Nov ’25

$2,285,000

521 S PHELPS AVENUE

4 bd · 4.5 ba · 3,883 sqft · $588/sqft · 118 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.

Carlos Torres

Your agent

Carlos Torres

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 890 N PHELPS AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 890 N PHELPS AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Carlos's phone and CRM.

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By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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Straight answers

890 N PHELPS AVENUE FAQs

What would the monthly payment be for 890 N PHELPS AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,682/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 890 N PHELPS AVENUE?+

The most recent tax bill on record (2025) was $15,339. 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 890 N PHELPS AVENUE?+

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 Park?+

At $1,775,000, this home is listed about 209% above the Winter Park median of $575,000. The market section on this page shows how the area is trending.

Which schools are assigned to 890 N PHELPS AVENUE?+

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

The brief

Three things that matter here

01Positioned at the premium end

$1,775,000 runs 118% above the WINTER PARK 32789 median — but at 3,630 sqft it's also nearly twice the size of the typical Winter Park listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Lakemont Elementary, Maitland Middle, Winter Park High — Winter Park High rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Jill Ashton. MLS #O6430202.

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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