428 RUTH ST, LONGWOOD, FL, 32779
Active0 days on marketListed Aug 11, 2026MLS #G5116020
About this home
428 RUTH ST
Now more than ever, owning a home offers true peace of mind. Step into this mid-century modern masterpiece, extensively revitalized and expanded into a bright, airy, boutique-style retreat. Take advantage of an incredible financial opportunity with a VERY LOW assumable mortgage, offering massive monthly savings! Rare opportunity to assume the seller's low INTEREST mortgage (subject to lender approval and qualification) Perched on an elevated, nearly half-acre corner lot, this 3-bedroom, 2-bathroom residence seamlessly combines private, peaceful living with top-rated Seminole County schools right at your doorstep. From the moment you enter, you are greeted by light-filled spaces and a cozy feature fireplace that unites the open-concept kitchen, dining, and living areas. The primary suite is an exceptional retreat in itself, featuring a expansive layout, a private exterior entrance, and a versatile flex space ideal for an executive home office, lounge, or in-law suite. Major updates bring long term confidence, including a custom kitchen, solid concrete block construction, a newer roof (2017), new windows (2021), and updated electrical, all with NO HOA. Outside, the massive, fully fenced backyard offers endless possibilities with ample space for a pool, workshop, or garden. Move-in ready, effortlessly stylish, and built for modern living!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,639
Sqft
0.44 ac
Lot size
1958
Year built
One
Levels
$256
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 — not generic estimates.
$3,119 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,119/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+6.7%
$/sqft vs Longwood actives
$256 vs $237
Days on market
0 vs 30 typical
Where $256/sqft sits among the 159 Longwood 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 Longwood
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longwood. See the full Longwood guide →
The numbers that matter
The Longwood market
$465K → $538K
Longwood median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
86 of 159
Longwood actives have cut their price
Median sold price, Longwood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the Longwood median. See the full Longwood market guide →
Paper trail
This home's history
Reality check
What actually sold near 428 RUTH ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$360,000
514 SAN MARIE AVENUE
3 bd · 2 ba · 1,641 sqft · $219/sqft · 78 DOM
Sold · Dec ’25$240,000
450 FOREST LAKE DRIVE
3 bd · 2 ba · 1,627 sqft · $148/sqft · 10 DOM
Sold · Aug ’25$329,000
1230 JASMINE ROAD
4 bd · 2 ba · 1,714 sqft · $192/sqft · 66 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 428 RUTH ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 428 RUTH ST — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
428 RUTH ST FAQs
What would the monthly payment be for 428 RUTH ST?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,119/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 428 RUTH ST?+
The most recent tax bill on record (2025) was $3,617. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Longwood?+
At $419,900, this home is listed about 6% below the Longwood median of $449,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Longwood market on paper
$419,900 is 6% below the Longwood median of $449,000.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Longwood market that averages 30 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of GARRISON REALTY GROUP LLC · Jennifer Garrison. MLS #G5116020.
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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