309 OAK LEAF CIRCLE, LAKE MARY, FL, 32746
Active62 days on marketListed May 23, 2026MLS #O6410365
About this home
309 OAK LEAF CIRCLE
Welcome Home to this very well cared for gem in the Misty Oaks subdivision. Gorgeous landscaping and mature oak trees on a quarter acre lot help give this home massive curb appeal. This home is sprawling and feels larger than it is with a split plan with a dining room, living room and family room. The kitchen has been updated with granite counters, solid wood cabinets and a sleek 2 tone black and stainless appliance package. The primary suite is massive with a walk in closet and sliding door on to the screened lanai, the bathroom has granite with dual vanity, garden tub with tons of natural light (and a privacy wall), and a separate glass shower enclosure. The family room has a wood burning fireplace and overlooks the huge private, low maintenance backyard. This house is needs nothing and is ready to go you the old Lake Mary lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,833
Sqft
0.25 ac
Lot size
2
Garage
1989
Year built
One
Levels
$243
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.
$3,184 /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
$3,184/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
+11.7%
$/sqft vs Lake Mary actives
$243 vs $237
Days on market
62 vs 42 typical
Where $243/sqft sits among the 159 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 Misty 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 →
Misty Oaks — neighborhood snapshot
Population
229
Median age
32
Median income
$56,864
Median home value
$269,600
Avg household
2
Households w/ children
19%
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)
93 of 159
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 11% 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 309 OAK LEAF CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$298,900
3110 NW 21ST STREET · same community
3 bd · 2 ba · 1,748 sqft · $171/sqft · 59 DOM
Sold · Jun ’26$510,000
301 OAK LEAF CIRCLE · same community
4 bd · 2 ba · 2,022 sqft · $252/sqft · 21 DOM
Sold · Jun ’26$630,000
6183 MISTY OAKS DRIVE · same community
3 bd · 2 ba · 2,068 sqft · $305/sqft · 108 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 309 OAK LEAF CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 309 OAK LEAF 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
309 OAK LEAF CIRCLE FAQs
What would the monthly payment be for 309 OAK LEAF CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,184/mo — principal and interest, the actual property-tax bill, the $51/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 309 OAK LEAF CIRCLE?+
The association fee works out to $51 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 309 OAK LEAF CIRCLE?+
The most recent tax bill on record (2025) was $1,881. 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 309 OAK LEAF CIRCLE?+
The listing reports pets: Yes. 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 $445,000, this home is listed about 4% 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 309 OAK LEAF CIRCLE?+
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
Three things that matter here
01Positioned at the premium end
$445,000 runs 11% above the LAKE MARY 32746 median.
02Strong 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.
03The price has already moved
Listed at $465,000, now $445,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IVRE ORLANDO · Richard Alpizar. MLS #O6410365.
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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