108 OAK VIEW CIRCLE, LAKE MARY, FL, 32746
Active143 days on marketListed Mar 4, 2026MLS #O6387332
About this home
108 OAK VIEW CIRCLE
Virtually Staged. Priced to allow for updates, this is a rare opportunity to customize a home in one of Lake Mary’s most established and desirable neighborhoods just minutes from downtown Lake Mary and major commuter routes. This spacious 4-bedroom, 2-bath home offers a functional split, open floor plan with generous living areas and wonderful potential to make it your own. Highlights include no rear neighbors, a large screened patio and outdoor deck for entertaining, HVAC installed in 2020, water heater replaced in 2022, and a recent 4-point inspection upon request for serious buyer inquiries. Enjoy Florida living on the screened patio and expansive outdoor deck, perfect for relaxing or entertaining while overlooking the private backyard. The location is exceptional. Just a short walk away is the Lake Mary Tennis Center featuring seven Har-Tru clay courts, along with the nearby Lake Mary Sports Complex offering little league baseball and softball fields, an 8,000-square-foot lighted skate park, playground, splash pad, and covered pavilion. Downtown Lake Mary is only one mile away, where you can enjoy local restaurants, boutique shopping, the popular weekend farmers market, and a new pickleball facility. For commuters, the home is ideally situated less than two miles from the intersection of I-4, SR-417, and SR-429, providing convenient access throughout Central Florida, Orlando, the theme parks, and the beaches. Opportunities to purchase in Country Club Oaks are limited, making this a great chance to create your own vision in one of Lake Mary’s most desirable neighborhoods.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,162
Sqft
0.29 ac
Lot size
2
Garage
1990
Year built
One
Levels
$231
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 and the real association fee — not generic estimates.
$3,887 /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
$3,887/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
+23.8%
$/sqft vs Lake Mary actives
$231 vs $238
Days on market
143 vs 42 typical
Where $231/sqft sits among the 163 Lake Mary 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 Country Club 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 →
Country Club Oaks — neighborhood snapshot
Population
115
Median age
44
Median income
$129,056
Median home value
$431,300
Avg household
3
Households w/ children
12%
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)
92 of 163
Lake Mary actives have cut their price
Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% 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 108 OAK VIEW CIRCLE
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$540,000
148 OAK VIEW CIRCLE · same community
3 bd · 2 ba · 2,181 sqft · $248/sqft · 130 DOM
Sold · Aug ’25$500,000
305 SUN OAKS COURT
4 bd · 2 ba · 2,150 sqft · $233/sqft · 9 DOM
Sold · Sep ’25$400,000
140 OAK VIEW PLACE
4 bd · 2.5 ba · 2,142 sqft · $187/sqft · 8 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 108 OAK VIEW CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 OAK VIEW CIRCLE — 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
108 OAK VIEW CIRCLE FAQs
What would the monthly payment be for 108 OAK VIEW CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,887/mo — principal and interest, the actual property-tax bill, the $54/mo association fee 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.
How much are the HOA fees at 108 OAK VIEW CIRCLE?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 108 OAK VIEW CIRCLE?+
The most recent tax bill on record (2025) was $6,182. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 108 OAK VIEW CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake Mary?+
At $499,000, this home is listed about 16% above the Lake Mary median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 108 OAK VIEW CIRCLE?+
Crystal Lake Elementary School (elementary), Wicklow 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
Three things that matter here
01Positioned at the premium end
$499,000 runs 25% above the LAKE MARY 32746 median — but at 2,162 sqft it's also 18% larger than the typical Lake Mary listing.
02Time on market is leverage
143 days on market against a Lake Mary median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $545,000, now $499,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of APERTURE GLOBAL REAL ESTATE · Cynde Velez. MLS #O6387332.
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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