109 ISLAMORADA WAY, Sanford, FL, 32771 | $399,999

Welcome to this beautiful 4 bedroom, 2 bath home located in the Celery Key community in Sanford. With a low quarterly HOA fee, residents enjoy amenities such as a community pool and playground. The home is conveniently located near Historic Downtown Sanford, the St. Johns River waterfront, Orlando Sanford International Airport, SunRail, shopping, dining, and major highways. This well designed home offers a spacious split floor plan, no carpet throughout, and a layout that provides both comfort and functionality. As you enter the home, you are welcomed into a bright formal living and dining area, perfect for entertaining guests or creating an elegant gathering space. The home then flows into the centrally located kitchen, featuring updated stainless steel appliances, generous counter space, and ample cabinetry, making it ideal for both everyday living and hosting. The kitchen overlooks the large family room, providing plenty of space for relaxing, entertaining, or customizing to fit your lifestyle. The master bedroom is privately located on one side of the home and features a large walk-in closet and an en-suite bathroom with dual sinks and a relaxing garden tub. The additional bedrooms are located down a separate hallway, offering privacy and comfortable space for family, guests, or a home office. Additional features include a separate indoor laundry room for convenience and added functionality. Step outside to enjoy the fully fenced backyard, offering plenty of space for outdoor activities, pets, or gatherings. The covered patio creates the perfect spot to relax and enjoy Florida living, and additional outdoor storage provides extra convenience.
Don’t miss the opportunity to make this home yours! Schedule a showing today!

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Year Built: 2005
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,955
  • Acreage: 0.17
  • Est. Taxes: $4,725
  • HOA Fee: $195 Quarterly
  • Elem. School: Hamilton Elementary
  • Middle School: Millennium Middle
  • High School: Seminole High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6387827
  • Days on Market: 50 days
  • Website: https://www.raveis.com
    /prop/O6387827/109islamoradaway_sanford_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/14/2026 10:06:54 PM)
Listing courtesy of MODERN WORLD REALTY LLC   Phone: 305-988-9640

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

109 ISLAMORADA WAY, Sanford, FL, 32771

$399,999

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,999 $319,999 $319,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.730%
Monthly Tax Payment $394 $394 $394
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,917 $1,996 $2,613
Total Monthly Payment $2,386 $2,465 $3,082

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.