
738 BEAR CREEK CIRCLE, WINTER SPRINGS, FL, 32708
Active1 days on marketListed Aug 14, 2026MLS #O6432296
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,593/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Springs 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 215% above the WINTER SPRINGS 32708 median. See the full Winter Springs market guide →
Paper trail
This home's history
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.
Sold · Jan ’26$860,000
1502 BLACK BEAR COURT · same community
4 bd · 4.5 ba · 3,718 sqft · $231/sqft · 0 DOM
Sold · May ’26$1,330,000
1502 BLACK BEAR COURT · same community
5 bd · 4.5 ba · 3,718 sqft · $358/sqft · 0 DOM
Sold · 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.

Your agent
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 738 BEAR CREEK CIRCLE — start here.

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
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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 215% 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.
Keep looking
Similar homes nearby
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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