HILL TOP DRIVE, LAKE MARY, FL, 32746
Active232 days on marketListed Dec 5, 2025MLS #O6364196
About this home
HILL TOP DRIVE
New Adjusted price and Owner Financing opportunity!!! Seize the rare opportunity to build your dream home on this stunning 6-acre lot in the highly sought-after Longwood area. This expansive A-1 zoned property offers limitless possibilities for your custom residence, providing the space and privacy you’ve always desired. Imagine designing and constructing your ideal home, whether it’s a grand estate, a cozy farmhouse, or a sleek modern masterpiece. The A-1 zoning allows for flexible building plans and the potential to add additional structures or amenities to suit your lifestyle. Nestled in a prime Longwood neighborhood, this property offers the perfect blend of rural serenity and easy access to urban amenities. Families will love the nearby Reiter Park, ideal for outdoor activities and community events. Don’t miss out on this exceptional chance to create your forever home in a location that truly has it all.
Facts & features
The home at a glance
6.18 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.
$2,112 /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
$2,112/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.
Where it sits
Inside Lake Mary
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Mary. See the full Lake Mary guide →
LAKE MARY 32746 — neighborhood snapshot
Population
45,970
Median age
43.8
Median income
$111,534
Median home value
$420,200
Avg household
2.41
Households w/ children
5,472
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
97.0%
Sale-to-list ratio (12 mo)
Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the LAKE MARY 32746 median. See the full Lake Mary market guide →
Paper trail
This home's history
Reality check
What actually sold near HILL TOP DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$565,000
278 ACORN DRIVE · same community
4 bd · 3 ba · 2,512 sqft · $225/sqft · 57 DOM
Sold · Dec ’25$575,000
287 HILLTOP DRIVE · same community
4 bd · 2.5 ba · 2,522 sqft · $228/sqft · 17 DOM
Sold · Oct ’25$248,000
1041 HAMILTON AVENUE
3 bd · 1.5 ba · 920 sqft · $270/sqft · 16 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 HILL TOP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for HILL TOP DRIVE — 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
HILL TOP DRIVE FAQs
What would the monthly payment be for HILL TOP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,112/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 HILL TOP DRIVE?+
The most recent tax bill on record (2024) was $1,024. 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 $295,000, this home is listed about 31% below the Lake Mary median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to HILL TOP DRIVE?+
Heathrow Elementary School (elementary), Markham Woods Middle School (middle), Seminole 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
01Under the LAKE MARY 32746 market on paper
$295,000 is 26% below the LAKE MARY 32746 median of $399,000.
02Time on market is leverage
232 days on market against a Lake Mary median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Heathrow Elementary School, Markham Woods Middle School, Seminole High School — Heathrow Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $350,000, now $295,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TOP FLORIDA HOMES · Ninive Quintero. MLS #O6364196.
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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