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Florida Home Town Hero Requirements

  1. You must be a first time home buyer defined by the IRS. (have not owned a home within the past 3 years as your primary residence).  Veterans are except from this requirement, active military is not.
  2. Employment eligibility:
  • A person Employed full-time by a Florid-based employer as a health care worker, school staff member, first responder, public safety or court employee or child care worker;  Get a full list of the types of workers who qualify.
  • A service member of the United States military or military reserves, the United States Coast Guard or it's reserves, or the Florida National Guard; or
  • A veteran employed bull time by a Florida-based employer.
  • The property that you purchase must be your new primary residence.
  • You must not exceed the income and loan limits for the county you plan on buying in.
  • You must meet the credit requirements for the loan type you and your lender have chosen (VA, FHA, USDA, and conventional)
  • Home Buyer Education is required.  Your loan officer will assist you on how to complete this requirement. 

New Listings

$1,680,000
7 Beds 5 Baths Phillips Grove Tr I SubDv. 32836 Zip Code
Discover this meticulously maintained, exceptionally upgraded home in Phillips Grove, a prestigious gated community in Dr Phillips. Minutes from Restaurant Row, shopping, top-rated schools, Interstate 4, and Orlando's attractions, this exceptional residence offers luxury, comfort and convenience. Unlike brand new construction, post-closing upgrades and custom enhancements are already in place, allowing for a turnkey luxury lifestyle. Designed for everyday living and entertaining, this home showcases premium finishes and upgrades. Highlights include a dramatic two-story foyer, staircase with black wrought iron balusters, soaring ceilings, 8-foot doors, custom closet systems and a versatile office space. The gourmet kitchen features quartz counters, tile backsplash, oversized center island, upgraded stainless steel appliances, natural gas cooktop, vent hood, built-in oven/microwave, brushed gold hardware, cabinetry with pull-out organizers, under-cabinet lighting, pendant lights, a walk-in pantry with custom built-in shelving and spacious dining area. Three-panel stacking sliders connect indoor and outdoor living. Custom full-width cornice treatments add architectural touch. The adjoining gathering room offers a tray ceilings, accent wall and 7.1-channel surround sound wiring. The covered lanai features a fully equipped summer kitchen with built-in grill, vent hood, refrigerator, ice maker, sink, stone countertops and dedicated serving station. An oversized screened enclosure, LED cove lighting, JellyFish lighting system, mounted TV with soundbar and abundant electrical outlets create amazing entertainment space. Enjoy wooded views with no rear neighbors. Two primary suites provide flexibility for multigenerational living or guests. The downstairs primary suite offers a tray ceiling, oversized wraparound walk-in closet with custom organization system, and bathroom featuring dual quartz vanities, comfort-height cabinetry and upgraded walk-in shower with tiled walls, built-in bench, and dual handheld shower heads. Upstairs features a spacious loft with sliders leading to the covered balcony, media room pre-wired for a wall-mounted TV, and laundry room with cabinetry, folding counter and sink. The second primary bedroom offers an accent wall, access to the balcony, walk-in closet with a custom organization system and ensuite bathroom. Energy-efficient features: 15 SEER HVAC system, tankless natural gas water heater, Low-E dual-pane windows, radiant barrier roof sheathing and R-30 ceiling insulation. Smart home features: security system, interior/exterior cameras, video doorbell, smart door lock and smart garage opener. Whole-home features: built-in closet systems, ceiling fans, rounded-wall corners, custom Zebra dual shades, CAT6 wiring, water softener and surge protection. Additional features: 3-car garage with epoxy flooring, ceiling-mounted storage, utility sink, garage refrigerator, programmable thermostat, Sentricon termite protection, Taexx built-in pest control system, landscaping, gutters, irrigation system, tile roof, brick-paved driveway, covered front porch, mudroom with built-in drop zone and more. Phillips Grove offers a gated entry, pool, cabana, tennis, natural gas community, and HOA-maintained lawn care. Nearby Dr. P. Phillips Community Park offers soccer, baseball, basketball, volleyball, playgrounds, splash pad, dog park, walking paths and picnic areas.

7606 Wandering Way, Orlando

$290,000
3 Beds 3 Baths Key West A Condo SubDv. 32714 Zip Code
Welcome to this stunning top floor townhome offering a light filled layout and turn key modern design. Step inside the entry foyer that opens into a spacious open concept living and dining area featuring soaring vaulted ceilings, beautiful wood style flooring, and sliding glass doors leading out to a peaceful private balcony. The chef inspired kitchen boasts crisp shaker cabinets, sleek stainless steel appliances, durable tile floors, pantry storage, a bright breakfast nook, and convenient laundry room access. The main level primary suite serves as a relaxing retreat complete with a generous walk in closet and an en suite bath equipped with dual sinks, a glass door shower, and a soothing deep soaking bathtub. Up the stairs, a versatile second floor loft overlooks the main living space, perfect for a home office or flex space, alongside a large storage closet. Two additional spacious guest bedrooms feature ample closet space and share a well appointed guest bathroom with dual sinks and a tub/shower combo. Residents enjoy resort style community amenities, including a swimming pool and fitness center just a short walk away. Situated in a prime location within Seminole County, this home offers access to top rated schools such as Forest City Elementary, Teague Middle, and Lake Brantley High. Enjoy incredible proximity to Cranes Roost Park, Altamonte Mall, Wekiva Springs State Park, and downtown Orlando. Travel is effortless with easy access to I-4, State Road 436, Maitland Boulevard, and Orlando International Airport. Take the 3D virtual tour today and schedule your private showing!

696 Seabrook Court Unit 202, Altamonte Springs

$599,900
3 Beds 2 Baths Lake Sawyer South Ph 01 SubDv. 34786 Zip Code
Virtually Staged. Discover this beautifully maintained 3-bedroom, 2-bath corner-lot home in Windermere. Surrounded by tree-lined streets and a welcoming neighborhood atmosphere, this home combines timeless charm with everyday convenience. Enjoy relaxing on the covered front porch, perfect for morning coffee, visiting with the neighbors or unwinding after a long day. Inside, the thoughtfully designed floor plan offers comfortable living spaces that are ideal for both everyday life and entertaining. The home features a galley style kitchen positioned between a cozy breakfast nook and the dining room, allowing for both casual and traditional dining options. The split-bedrooms provide added privacy. The on-suite primary bathroom features a soaking tub, dual vanities and a separate stand alone shower. The shower glass and tile were replaced in the fall of 2025. The home features real bamboo hardwood flooring in all interior areas except the kitchen, nook, bathrooms and laundry room. From the living room, open the sliders and step into your oversized patio. This patio has a generous covered area and a screened portion, allowing you to comfortably enjoy outdoor living while being protected from the Florida sun, weather and insects. The fully vinyl fenced backyard has two access gates and is ideal for pets, play or outdoor gatherings. New gutters and water heater were added in 2026, offering added peace of mind. Residents of this community enjoy access to a resort-style pool, basketball court, tennis/pickleball courts and a walking path, offering endless opportunities for recreation, relaxation and an active lifestyle. Whether you are searching for your first home, looking to downsize, or simply wanting to enjoy the charm and lifestyle that Windermere is known for, this property offers an exceptional opportunity in a highly sought-after location. Conveniently located near excellent schools, shopping, dining, theme parks and major roadways, this home offers easy access to everything Central Florida has to share. Don’t miss this opportunity - schedule your showing today.

13231 Roxboro Road, Windermere

$345,000
4 Beds 2 Baths Eaton Estates SubDv. 32751 Zip Code
Welcome to 501 Fitzgerald Drive, where modern updates meet an unbeatable location. Situated on a desirable corner lot, this beautifully renovated 4-bedroom, 2-bathroom home offers the perfect combination of style, functionality, and convenience. Inside, you'll find an open and inviting layout featuring luxury vinyl plank flooring, quartz countertops, a designer backsplash, stainless steel appliances, fresh interior finishes, and abundant natural light throughout. Major improvements—including the roof and HVAC system—provide added peace of mind, making this home truly move-in ready. Step outside to enjoy the spacious screened-in porch, the perfect place to relax, entertain, or enjoy Florida evenings without the bugs. The oversized driveway and covered carport provide plenty of parking for family and guests. Conveniently located just minutes from top-rated schools, Winter Park Village, shopping, dining, and entertainment, you'll also appreciate easy access to I-4 for commuting throughout Central Florida. Fitness enthusiasts will love being just around the corner from the new Life Time athletic country club, offering world-class fitness, pools, pickleball, and wellness amenities. Whether you're a first-time homebuyer, growing family, or simply looking for a beautifully updated home in a prime location, 501 Fitzgerald Drive is ready to welcome you home. Schedule your private showing today!

501 Fitzgerald Drive, Maitland

$615,000
3 Beds 3 Baths Victoria Hills SubDv. 32724 Zip Code
Experience luxury living at its finest in the highly sought-after Victoria Hills Golf Club community. Perfectly situated on a premium conservation homesite, this exceptional 2017 POOL Home offers breathtaking views, unmatched privacy, and a resort-style backyard designed for the ultimate Florida lifestyle. From the moment you arrive, you’ll appreciate the meticulous care and extensive high-end renovations that make this home feel like new construction. Step through the front door into a bright, open-concept floor plan featuring a desirable three-way split layout, providing both comfort and privacy. A versatile office, den, or flex space offers the perfect setting for working from home, a workout room, or additional living space The beautifully updated gourmet kitchen serves as the heart of the home, seamlessly connecting the living and dining areas while showcasing spectacular views of the pool and conservation beyond. Whether you’re entertaining guests or enjoying a quiet evening at home, every space has been thoughtfully designed to embrace indoor-outdoor living. One of the home’s standout features is the private second primary suite, creating the ideal retreat for guests or multigenerational living. The main primary suite has been transformed into a LUXURIOUS SPA-INSPIRED SPACE with a stunning, newly renovated bathroom featuring a custom wet room, eucalyptus steam system, LED lighting, a soaking garden tub, and an oversized shower. After a workout or an afternoon by the pool, you’ll enjoy your own private spa experience without ever leaving home. The oversized three-car garage has been upgraded with premium epoxy flooring completed in 2025 and backed by a 10-year warranty, offering both beauty and durability. Step outside to your own private oasis where the paver lanai surrounds a spectacular 20x40 SALT POOL with lounge platform overlooking peaceful conservation views with no visible rear neighbors. The outdoor summer kitchen, complete with dining space, comfortable seating, and television area, creates the perfect setting for hosting family and friends or simply relaxing while enjoying the tranquility of nature. Extensive upgrades completed in 2025 have elevated this home to an exceptional level of quality and craftsmanship. Be sure to review the attached list of improvements to fully appreciate the attention to detail and investment made throughout. Some homes simply have to be experienced in person. While built in 2017, this meticulously maintained residence lives like a brand-new custom home. Turn the key, move right in, and begin enjoying the luxury lifestyle you’ve been dreaming of. The Victoria Family communities allow access to not only the golf course and Sparrow's Grill Restaurant, but also 2 pools, clubhouses, tennis courts, pickleball courts, walking trails, and Lakes with picnic areas for family fun.

108 Suffolk Ct., Deland

$525,000
4 Beds 2 Baths Watermill Sec 01 SubDv. 32817 Zip Code
Tucked away on a quiet cul-de-sac beneath mature oak trees, this charming 4-bedroom, 2-bath pool home with a dedicated office is located in the optional HOA community of Watermill. Inside, you’ll find a formal living room just off the entry, offering a great space to gather or entertain. The office sits toward the center of the home, complete with built-in bookshelves and a large window overlooking the pool—perfect for working from home or easily used as a playroom or flex space. The kitchen is filled with natural light from two solar tubes and features quality Starmark soft-close cabinetry, granite countertops, and a reverse osmosis system. It opens to the family room, where a wood-burning fireplace creates a cozy spot for relaxing. The home offers a split floor plan for added privacy, with the primary suite set apart from the additional bedrooms. The primary bedroom offers direct access to the pool deck through double doors, creating an easy connection to the outdoor living space, and features two closets, including a walk-in, along with an ensuite bathroom with dual vanities. The additional bedrooms each offer their own character, with two featuring walk-in closets and another with a custom built-in. The second bathroom doubles as a pool bath and has been updated with quartz countertops and a refreshed shower with a shower niche. Step outside to a private backyard designed for enjoying Florida living. The covered lanai provides a shaded space for grilling and dining, while the pool is perfect for cooling off on warm summer days. There’s also a fire pit for relaxing evenings and a shed for extra storage. Surrounded by mature landscaping and established trees, the yard offers both privacy and a peaceful setting to enjoy shady afternoons. Insurance items taken care of! Updates include Roof (2024), A/C (2019), and Hot Water Heater (2020).

9220 Eastport Terrace, Orlando

$410,000
4 Beds 3 Baths Riverfront Estates South SubDv. 32141 Zip Code
WELCOME TO THE RIVERFRONT LIFESTYLE! Located in an active community just across from the Indian River, this beautifully maintained 4-bedroom, 3-bath Magnolia floor plan offers 2,106 sq ft of living space and 2,577 total sq ft, combining an open, entertainment-friendly design with an incredible location near the water. Step inside and natural light draws you through the heart of the home, where the dining area, kitchen and great room flow together into one spacious gathering space. Sliding glass doors open to the rear patio for easy indoor-outdoor living. The centrally located kitchen keeps everyone connected and features a large prep-and-serve island, generous counter space and walk-in pantry. The thoughtfully designed split-bedroom layout places the private primary suite at the rear of the home, while three additional bedrooms and two full guest baths provide plenty of space for family, guests or a home office. Recent owner improvements include gutters, ceiling fans, attic termite treatment and an epoxy-coated garage floor. Garage cabinets and workbench are included, making the space ready for projects and organization. And then there’s the LOCATION! Just across the street, the planned Indian River Resort & Marina is slated to bring boating access and storage practically to your doorstep, with plans advertising a 330-boat dry stack, 20 wet slips, resort, restaurant, retail and parking, along with planned resort amenities including a pool and fitness center. Enjoy refreshing river breezes and the laid-back coastal atmosphere of this growing Edgewater community. All this with an affordable HOA of just $128.68/month. Whether you’re looking for your full-time Florida home or simply want to be closer to the water and boating lifestyle, 182 Jones Fishcamp Rd puts you right in the middle of where Edgewater is growing! **Buyer to verify proposed neighboring development, amenities, HOA, square footage and all information deemed important.

182 Jones Fish Camp Road, Edgewater

$559,000
4 Beds 4 Baths Thornbrooke Ph 4 SubDv. 32771 Zip Code
Virtually Staged. Welcome to this beautifully maintained home in the highly desirable Thornbrooke community! Built by Taylor Morrison, this stunning 4-bedroom, 3.5-bath residence showcases an open-concept design that perfectly blends modern elegance with everyday comfort. Step inside to high ceilings, abundant natural light, and a thoughtfully designed floor plan ideal for both entertaining and living. An additional powder bath in the first floor provides the flexibility to the visitors and guests. The kitchen features beautiful wood cabinetry, a spacious pantry, ample counter space, and an inviting layout that flows seamlessly into the main living and dining areas. The spacious first-floor Master suite serves as a private retreat with a tray ceiling, luxury vinyl plank flooring, custom-organized walk-in closets, and a well-appointed en-suite bath. Upstairs, you'll find three additional generously sized bedrooms, providing plenty of space. Pocket sliding glass doors open to a screened, low-maintenance tile covered patio, creating the perfect indoor-outdoor living experience to enjoy Florida's year-round lifestyle. A versatile flex room on the first floor offers endless possibilities and can easily serve as a home office, fitness room, playroom, or even a fifth bedroom. The conveniently located first-floor laundry room provides additional storage and functionality. This home has been thoughtfully upgraded throughout, including: #Elegant 8-foot interior doors throughout the first floor. 8 ft elegant glass front door#, #Tray ceiling in the primary suite#, #Luxury vinyl plank flooring in the primary bedroom#, #Custom closet organization systems#, #Screened tile patio, low-maintenance backyard#, #Stylish kitchen backsplash#, #Attractive stair railings#, #Whole-house water softener and reverse osmosis (RO) drinking water system# #Upgraded lights in dinning and bathrooms#. Residents of Thornbrooke enjoy access to a beautiful community pool, offering the perfect place to relax, exercise, and socialize. Ideally located just minutes from major employers including Deloitte, BNY, Verizon, AAA and other businesses throughout Lake Mary, Heathrow, and Sanford, this home also offers convenient access to shopping, dining, supermarkets like BJs, Aldi, Sams, and entertainment. Families will appreciate its location within the highly rated Seminole County Public School District. This exceptional home combines luxury, functionality, and an unbeatable location—making it a perfect place to call home.

480 Rocky Grove Lane, Sanford

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