1109 DUNCAN DRIVE, Winter Springs, FL, 32708 | $639,900

Under contract-accepting backup offers. Tucked into the highly sought-after Tuscawilla Golf Community, 1109 Duncan Dr showcases an updated pool home on more than one-third of an acre. This 4-bedroom, 2-bath split floorplan home offers over 2, 100 sq ft of bright, inviting living space with abundant natural light, and an open, flowing layout that feels spacious from the moment you enter. Recent updates include new windows, luxury tile flooring, new designer kitchen, stainless appliances, fresh interior paint, renovated bathrooms, and MORE! Separate living and dining rooms provide flexible gathering space, while the heart of the home unfolds in the new spacious kitchen and family room—designed for easy everyday living and entertaining. The chef's kitchen features 42-inch cabinetry, solid surface countertops, an island with generous prep space, and an innovative InvisiCook cooktop. Both bathrooms have been thoughtfully redesigned with clean, modern finishes. Step outside to enjoy true Florida living with an oversized pool, screened lanai, and expansive backyard offering exceptional privacy and room to relax or entertain. With NO HOA this is a rare opportunity in this established community. Conveniently located near shopping, dining, parks, the Cross Seminole Trail, top-rated schools, Winter Springs, Oviedo, and Tuscawilla Country Club. Homes with this much space, privacy, and thoughtful updating in Tuscawilla are becoming increasingly hard to find. CALL TODAY to schedule your private viewing.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room
  • Year Built: 1980
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,118
  • Acreage: 0.36
  • Est. Taxes: $6,857
  • Elem. School: Rainbow Elementary
  • Middle School: Indian Trails Middle
  • High School: Oviedo High
  • Pool: In Ground
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Microwave, Refrigerator
  • MLS#: O6405524
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/O6405524/1109duncandrive_wintersprings_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 4:36:35 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 407-647-1211

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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
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1109 DUNCAN DRIVE, Winter Springs, FL, 32708

$639,900

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 $511,920 $511,920 $511,920
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 $571 $571 $571
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,066 $3,194 $4,180
Total Monthly Payment $3,729 $3,857 $4,843

* 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.