421 CARDINAL OAKS COURT, LAKE MARY, FL, 32746
Active197 days on marketListed Jan 29, 2026MLS #O6378212
About this home
421 CARDINAL OAKS COURT
Lakefront lot in Cardinal Oaks subdivision off S. Country Club Road. Five minutes from downtown Lake Mary and Seminole State College. Convenient access to US 17-92 and Fl. 417. 95 feet of Frontage on Lake Lee. Public water and sewer available. Buildable area outside 100-year flood elevation is 5392.9 ft. sq there are no HOA fees.
Facts & features
The home at a glance
0.98 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.
$2,787 /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
$2,787/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 Cardinal Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Mary. See the full Lake Mary guide →
Cardinal Oaks — neighborhood snapshot
Population
1,345
Median age
44
Median income
$101,250
Median home value
$449,100
Avg household
3
Households w/ children
219
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 6% 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 421 CARDINAL OAKS COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$430,000
161 CINDY COURT · same community
3 bd · 2 ba · 1,971 sqft · $218/sqft · 108 DOM
Sold · Apr ’26$499,000
453 CARDINAL OAKS COURT · same community
4 bd · 2 ba · 2,017 sqft · $247/sqft · 36 DOM
Sold · Jul ’26$450,000
227 BROADMOOR ROAD · same community
3 bd · 2 ba · 2,447 sqft · $184/sqft · 58 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 421 CARDINAL OAKS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 421 CARDINAL OAKS COURT — 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
421 CARDINAL OAKS COURT FAQs
What would the monthly payment be for 421 CARDINAL OAKS COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,787/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 421 CARDINAL OAKS COURT?+
The most recent tax bill on record (2024) was $1,519. 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 $395,000, this home is listed about 6% below the Lake Mary median of $419,000. The market section on this page shows how the area is trending.
Which schools are assigned to 421 CARDINAL OAKS COURT?+
Lake Mary High School (high), Lake Mary Elementary School (elementary), Greenwood Lakes Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
197 days on market against a Lake Mary median of 49 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Lake Mary High School, Lake Mary Elementary School, Greenwood Lakes Middle School — Lake Mary Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTY RESOURCE OF CENTRAL FL. · Max Sabeti. MLS #O6378212.
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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