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List Price

$320,000

635 Woodridge, Fern Park, FL 32730

40 days on market

Estimated Payment

$2,338/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,721 Square FeetYear builtBuilt 1979

Listed by

John Herndon

COLDWELL BANKER REALTY

Listed by another brokerage. HomeJam connects you directly with the listing side.

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  • Make your offer
  • Bring your agent
  • Close in one place

This townhome is in the highly sought-after Lake of the Woods community in Seminole County. If you’re looking for the carefree life-style, this is it. This spacious corner unit offers the Birch floorplan with lots of natural light plus 3 Bedrooms and 2 baths in this updated home. You enter the large bricked private courtyard though an Iron Gate to the front door. Inside you’ll enter the foyer to the fully equipped eat-in kitchen with new cabinets, solid surface counters, stainless appliances, deep splash sink, and pass-thru to dining, large pantry and sliding doors to the courtyard. Spacious living room with dining area and vaulted ceiling, the family room overlooks the back yard. There are two bedrooms and a guest bath in the front of the home and the large master suite and bath is in the back. The master bath has two sinks, a shower and a walk–in closet. Other extras include a 2 car garage, washer & dryer, electric panels 2020, AC 2021, re-plumbed 2021, water heater 2024, new roof 2025 and the driveway was replaced in 2018. This townhome is conveniently located with easy access to Maitland Blvd., I-4 and major highways, near hospital, restaurants, shopping, schools, the mall and Uptown Altamonte. Beautiful community pool that overlooks the lake. The Lake of the Woods community offers great amenities, an Olympic sized pool and kiddie pool, basketball courts, clubhouse, fitness center, tennis and pickleball courts, playground, gazebo, fishing pier and a clubhouse that features an exercise room, sauna, game room with ping-pong and pool tables, a library with books, videos and puzzles.

635 Woodridge, Fern Park, FL 32730 in Fern Park, FL 32730 is listed for $320,000. The home has 3 bedrooms, 2 bathrooms, and 1,721 square feet, and was built in 1979. Listed 40 days ago. The listing is held by COLDWELL BANKER REALTY.

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$708 (tax year 2025)
HOA fee$281 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $64,000

$

$2,338/moest.

  • Principal & Interest 74%
  • Property Taxes 3%
  • Insurance 11%
  • HOA 12%
Principal & Interest
$1,731
Property Taxesfrom listing
$59
Insurance
$267
HOA
$281

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,338, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $708 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812748776. HomeJam is not the listing broker.

List Price

$320,000

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