160 N 4TH STREET, LAKE MARY, FL, 32746
Active557 days on marketListed Jan 28, 2025MLS #O6275577
About this home
160 N 4TH STREET
BIG PRICE REDUCTION!!! Rare commercially zoned lot in downtown Lake Mary square connected to the vibrant shopping and dining district! Directly adjacent to Central Park at City Hall, downtown shops and restaurants, and walking distance to Lake Mary Sunrail Station. Property is zoned "DC" - Downtown Centre - Refer to chapter 154.67 in the Code of Ordinances. Allows for retail, office, restaurants, possible 2-story Live/Work opportunity. Sewer and water hooked up to residence. Micro retail development with salon space under construction on the southeast corner of 4th and Crystal Lake Ave, townhome projects proposed one block away on Wilbur Ave. City of Lake Mary has approved front parking on Crystal Lake and there is paved public parking on the corner and across the street. Located near City Hall, many great dining places, shopping, I-4, Lake Mary Blvd., and 417. Lots of exposure for your business and great foot traffic. Value is in the land. Similar commercial lot now under construction on teh corner sold for $899,000!
Facts & features
The home at a glance
0.19 ac
Lot size
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.
$3,664 /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
$3,664/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.
Where it sits
Inside Crystal Lake Winter Homes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Mary. See the full Lake Mary guide →
Crystal Lake Winter Homes — neighborhood snapshot
Population
904
Median age
35
Median income
$70,079
Median home value
$304,492
Avg household
2
Households w/ children
88%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Mary market
$446K → $488K
Lake Mary median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the LAKE MARY 32746 median. See the full Lake Mary market guide →
Paper trail
This home's history
Reality check
What actually sold near 160 N 4TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$290,000
173 E FLOYD AVENUE · same community
3 bd · 1 ba · 1,052 sqft · $276/sqft · 57 DOM
Sold · Nov ’25$335,000
139 E ALMA AVENUE · same community
3 bd · 2 ba · 1,152 sqft · $291/sqft · 28 DOM
Sold · Aug ’26$270,000
155 E GOODHEART AVENUE · same community
3 bd · 1.5 ba · 1,356 sqft · $199/sqft · 2 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 160 N 4TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 160 N 4TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
160 N 4TH STREET FAQs
What would the monthly payment be for 160 N 4TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,664/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 160 N 4TH STREET?+
The most recent tax bill on record (2024) was $507. 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 Lake Mary?+
At $599,900, this home is listed about 41% above the Lake Mary median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 160 N 4TH STREET?+
Lake Mary Elementary School (elementary), Seminole High School (high), Millennium Middle School (middle) — 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
$599,900 runs 53% above the LAKE MARY 32746 median.
02Time on market is leverage
557 days on market against a Lake Mary median of 43 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Lake Mary Elementary School, Seminole High School, Millennium Middle School — Lake Mary Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $650,000, now $599,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Mike Palombi. MLS #O6275577.
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.
Never miss a listing
New Lake Mary homes, in your inbox
Like 160 N 4TH STREET but not quite? A daily digest of every new listing in Lake Mary — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →