Guadalupe Hernandez
$1,150,0004 bd3.5 ba3,876 sqft$297 /sqft$7,593 /mo all-in ↓

738 BEAR CREEK CIRCLE, WINTER SPRINGS, FL, 32708

Active1 days on marketListed Aug 14, 2026MLS #O6432296

Private poolSingle Family ResidenceBEAR CREEK ESTATES

About this home

738 BEAR CREEK CIRCLE

Virtually Staged. This remarkable, tenderly loved estate home is situated on over an acre in Tuscawilla’s most coveted neighborhood, Bear Creek Estates. Homes in this gated upscale neighborhood are rarely available to purchase! With nearly 4000 square feet of thoughtfully designed living space, the home combines dramatic architecture, generous proportions, and a substantial, well designed floor plan with an abundance of natural light. Drive up the circular paver driveway to see this custom built, one of a kind, impressive single-story residence that makes an elegant statement from the minute you arrive. Open the door to a grand entry that immediately sets the tone with soaring ceilings, marble flooring and impressive formal living and dining entertainment spaces. You will love the well designed fully equipt custom kitchen that overlooks a massive family room with fireplace. With 4 huge bedrooms and 3 1/2 baths plus an enormous office/ 5th bedroom/study/ media room/ with a giant closet, the possibilities are endless! The giant primary suite is a private retreat with an enormous walk in closet and an attractive en-suite bath with the expected luxury home components. Step out of the suite’s french doors to a romantic evening under the private covered patio overlooking the elegant pool. All of the other bedrooms are extremely large with ample closet space. One of the guest rooms could be a second primary suite with it's private en-suite bath, walk-in closet and sliding glass door to the pool. Two wood-burning fireplaces bring warmth and character to the living spaces. With expansive rooms and high ceilings, this home offers the kind of architectural detail rarely found in newer construction. The focal point of the property is the enormous pool. Enveloped by generous lounging and gathering areas, the pool, patio and other outdoor areas extend the home's living space and reinforce the sense of privacy and scale found throughout. The huge backyard is great for youngsters to play, dogs to run and fun family time outside. And yes!… your cars will adore the oversized 3 car garage! Some of the practical updates include two newer A/C systems installed in 2021 and 2022 and a roof replaced in 2017. This amazing upscale pool home is ready for simple (or extravagant) upgrades of your choosing! So Many of the neighbors have done expansive renovations to their homes, affording you the opportunity to add as many upgrades that you wish without over improving. This estate home is distinguished not by one feature, but by the way all of its spaces fit together. Grand where it should be, comfortable where it matters, and filled with character that simply cannot be replicated by today's cookie-cutter construction. Come explore…make this home your dream home!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,876

Sqft

0.79 ac

Lot size

3

Garage

1987

Year built

One

Levels

$297

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side
ExteriorIrrigation System · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$142/mo
Taxes (2025)$7,856/yr
PetsYes
CommunityDeed Restrictions · Gated Community - No Guard · Golf

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Propane · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

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

$7,593 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property tax — 2025 actual bill$655
HOA fee — from the listing$142
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $115,000Loan30-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% · $115,000
Interest rate6.00%
Loan term

Estimated payment

$7,593/mo

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property taxes (actual bill)$655
HOA / condo fee$142
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 $1.1M
$704KedgeAI estimate $918,791 · range $733K$877K$1.2M

vs edgeAI estimate

+25.2%

$/sqft vs Winter Springs actives

$297 vs $240

Days on market

1 vs 45 typical

Where $297/sqft sits among the 129 Winter Springs actives

18
31
28
25
17 · this home
10
$168–195$195–221$221–248$248–274$274–301$301+

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 Tuscawilla

Map of 738 BEAR CREEK CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Orlando25 min
Orlando Int’l Airport (MCO)34 min
Universal Orlando38 min
Walt Disney World50 min

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

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

Tuscawilla — neighborhood snapshot

Population

9,610

Median age

57

Median income

$101,354

Median home value

$420,645

Avg household

2

Households w/ children

811

For the school run

Seminole County School District

ElementaryKeeth Elementary School★★★★
MiddleIndian Trails Middle School★★★★
HighWinter Springs High School★★★★★

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

The numbers that matter

The Winter Springs market

Seller’s marketSeller’s market2.7 months of inventoryBuyer’s market

$433K$440K

Winter Springs median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

80 of 129

Winter Springs actives have cut their price

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

This home is listed 219% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $1,150,000 · 1 days on market since
1987Built · BEAR CREEK ESTATES

Reality check

What actually sold near 738 BEAR CREEK CIRCLE

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

1502 BLACK BEAR COURTSold · Jan ’26

$860,000

1502 BLACK BEAR COURT · same community

4 bd · 4.5 ba · 3,718 sqft · $231/sqft · 0 DOM

1502 BLACK BEAR COURTSold · May ’26

$1,330,000

1502 BLACK BEAR COURT · same community

5 bd · 4.5 ba · 3,718 sqft · $358/sqft · 0 DOM

775 BEAR CREEK CIRCLESold · Aug ’25

$1,310,000

775 BEAR CREEK CIRCLE · same community

5 bd · 3 ba · 3,494 sqft · $375/sqft · 0 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.

Guadalupe Hernandez

Your agent

Guadalupe Hernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 738 BEAR CREEK CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 738 BEAR CREEK CIRCLE — before you fall in love.

See it in person

Schedule a tour

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

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. 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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Goes straight to Guadalupe’s phone and CRM.

Straight answers

738 BEAR CREEK CIRCLE FAQs

What would the monthly payment be for 738 BEAR CREEK CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,593/mo — principal and interest, the actual property-tax bill, the $142/mo association fee 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.

How much are the HOA fees at 738 BEAR CREEK CIRCLE?+

The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 738 BEAR CREEK CIRCLE?+

The most recent tax bill on record (2025) was $7,856. 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 738 BEAR CREEK CIRCLE?+

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 Springs?+

At $1,150,000, this home is listed about 189% above the Winter Springs median of $398,250. The market section on this page shows how the area is trending.

Which schools are assigned to 738 BEAR CREEK CIRCLE?+

Keeth 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

Four things that matter here

01Positioned at the premium end

$1,150,000 runs 219% above the WINTER SPRINGS 32708 median — but at 3,876 sqft it's also nearly twice the size of the typical Winter Springs listing.

02Your own pool

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

03Fresh on the market

Only 1 day on market in a Winter Springs market that averages 45 — if it fits, move quickly.

04Strong assigned schools

Keeth Elementary School, Indian Trails Middle School, Winter Springs High School — Keeth Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of RE/MAX TOWN & COUNTRY REALTY · Colleen Kahl. MLS #O6432296.

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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