1162 CARMEL CIRCLE UNIT 440, CASSELBERRY, FL, 32707
Active85 days on marketListed May 9, 2026MLS #O6406222
About this home
1162 CARMEL CIRCLE UNIT 440
Come live the resort lifestyle with carefree maintenance in the beautiful and gated Carmel by the Lake community on 400 acre Lake Howell. This furnished 2 bed, 2 bath; 4th-floor condo, with elevators, is all on one level and offers serene views of towering oak trees, and the shady walking paths around the lovely grounds leading to Lake Howell (a large ski lake). Stepping into this lovely home, you’ll immediately notice the light and bright spacious eat-in kitchen with pass-through to the dining and living room. You won’t be able to draw your eyes from the oversized glass sliders to the covered screened lanai that faces east. Enjoy your morning coffee with peaceful views of the sunrise on your own private back porch. The large master bedroom offers views of sunrises and majestic trees, a master bath with double sinks, walk-in closet and large shower. This split plan has an inside Laundry, hall bath and a 2nd bedroom in front. Other extras include a designated covered parking spot and storage assigned to unit, newer appliances, and private community boat ramp on Lake Howell to spend hours of fun on the water. This location is prime as you are just minutes away from many shopping options, restaurants, UCF, beaches, only 35 minutes to Disney, Orlando International airport, Sanford airport and close to Winter Park or Altamonte train services and major roadways for an easy commute to all that Central Florida has to offer. All this and zoned for Seminole County schools. Carmel by the Lake is like living in your own private gated resort with community pool, hot tub, tennis/pickle ball court, racketball, clubhouse, boat ramp, fishing pier and lakeside walking paths. The monthly HOA is very comprehensive and offers a lot: high-speed internet, cable with over 200 channels, water, sewer, trash, grounds upkeep, building exterior maintenance and community maintenance. Don't miss out on this gem, schedule your private tour today! Property may be under video/audio surveillance.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,137
Sqft
0.07 ac
Lot size
1984
Year built
One
Levels
$207
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.
$2,633 /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
$2,633/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
+27.5%
$/sqft vs Casselberry actives
$207 vs $226
Days on market
85 vs 20 typical
Where $207/sqft sits among the 93 Casselberry 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 Casselberry
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Casselberry. See the full Casselberry guide →
CASSELBERRY 32707 — neighborhood snapshot
Population
40,018
Median age
38
Median income
$66,780
Median home value
$305,000
Avg household
2.37
Households w/ children
4,866
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Casselberry market
$320K → $350K
Casselberry median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
46 of 93
Casselberry actives have cut their price
Median sold price, Casselberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the CASSELBERRY 32707 median. See the full Casselberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 1162 CARMEL CIRCLE UNIT 440
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$206,000
1162 CARMEL CIRCLE UNIT 250 · same community
3 bd · 2 ba · 1,443 sqft · $143/sqft · 35 DOM
Sold · Mar ’26$349,000
5202 LAKE HOWELL ROAD
3 bd · 1.5 ba · 1,112 sqft · $314/sqft · 5 DOM
Sold · Apr ’26$272,250
2519 WINDWARD WAY
2 bd · 2 ba · 1,105 sqft · $246/sqft · 13 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 1162 CARMEL CIRCLE UNIT 440 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1162 CARMEL CIRCLE UNIT 440 — 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
1162 CARMEL CIRCLE UNIT 440 FAQs
What would the monthly payment be for 1162 CARMEL CIRCLE UNIT 440?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,633/mo — principal and interest, the actual property-tax bill, the $741/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 1162 CARMEL CIRCLE UNIT 440?+
The association fee works out to $741 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1162 CARMEL CIRCLE UNIT 440?+
The most recent tax bill on record (2024) was $2,934. 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 1162 CARMEL CIRCLE UNIT 440?+
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 Casselberry?+
At $235,000, this home is listed about 27% below the Casselberry median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1162 CARMEL CIRCLE UNIT 440?+
Casselberry Elementary School (elementary), South Seminole Middle School (middle), Winter Springs High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the CASSELBERRY 32707 market on paper
$235,000 is 22% below the CASSELBERRY 32707 median of $300,000, and at $207/sqft it sits under the Casselberry average of $224.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $741/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
85 days on market against a Casselberry median of 20 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Casselberry Elementary School, South Seminole Middle School, Winter Springs High School — Casselberry Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · John Herndon. MLS #O6406222.
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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