David Ramirez
$1,900,000$1,925,0005 bd5 ba5,118 sqft$371 /sqft$12,610 /mo all-in ↓

3764 FARM BELL PLACE, LAKE MARY, FL, 32746

Active66 days on marketListed Jun 2, 2026MLS #O6413075

Reduced $25KPrivate poolSingle Family ResidenceSTEEPLE CHASE

About this home

3764 FARM BELL PLACE

An extraordinary sanctuary awaits in the sought-after Steeple Chase community of Lake Mary, where timeless elegance, serene natural beauty and modern luxury converge on a private one-acre estate. Ideally positioned to capture tranquil views of Rice Lake and protected conservation areas, this exceptional residence offers an unparalleled blend of luxury, privacy and natural surroundings. Designed for grand entertaining and everyday comfort, the home features expansive living spaces, soaring ceilings and designer finishes throughout. The exquisite chef’s kitchen is equipped with premium Sub-Zero and Wolf appliances, a convenient pot filler and exceptional functionality sure to impress even the most discerning culinary enthusiast. Thoughtfully designed for comfort and privacy, each bedroom features its en-suite bath, creating a luxurious retreat for family members and guests alike. Oversized windows and thoughtfully designed indoor-outdoor living areas showcase the breathtaking backdrop while filling the home with natural light. Go outside to your private resort-style retreat, where a sparkling pool and spa overlook the peaceful lake and lush conservation views. The fully equipped summer kitchen features a built-in grill with vented hood, sink and beverage refrigerator, creating a setting for outdoor entertaining. Whether hosting gatherings under the covered lanai, enjoying a sunset soak in the spa or relaxing poolside in complete privacy, this home delivers an exceptional lifestyle experience. Residents of Steeple Chase enjoy 24-hour gated security, private park access, and a prime location near top-rated Seminole County schools, upscale dining, boutique shopping and major roadways, providing convenient access to just about everything.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

5,118

Sqft

1 ac

Lot size

3

Garage

2014

Year built

Two

Levels

$371

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Freezer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · In Wall Pest System · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesNortheast
ParkingDriveway · Garage Faces Side
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$220/mo
Taxes (2024)$15,186/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected · Public · Street Lights · Water Connected
WaterPublic

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.

$12,610 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,252
PMI (est., until 20% equity)$713
Property tax — 2024 actual bill$1,265
HOA fee — from the listing$220
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $190,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $190,000
Interest rate6.00%
Loan term

Estimated payment

$12,610/mo

Principal & interest$10,252
PMI (est., until 20% equity)$713
Property taxes (actual bill)$1,265
HOA / condo fee$220
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.9M
$1.8MedgeAI estimate $2,027,827 · range $1.9M$2.4M$2.5M

vs edgeAI estimate

−6.3%

$/sqft vs Lake Mary actives

$371 vs $237

Days on market

66 vs 43 typical

Where $371/sqft sits among the 159 Lake Mary actives

32
31
45
23
12
16 · this home
$145–183$183–220$220–258$258–296$296–333$333+

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 Steeple Chase

Map of 3764 FARM BELL PLACE inside its neighborhood boundary

Drive times from this address

Downtown Orlando21 min
Universal Orlando33 min
Orlando Int’l Airport (MCO)41 min
Walt Disney World46 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lake Mary. See the full Lake Mary guide →

Steeple Chase — neighborhood snapshot

Population

1,323

Median age

53

Median income

$104,346

Median home value

$576,300

Avg household

2

Households w/ children

133

For the school run

Seminole County School District

HighLake Mary High School★★★★★
ElementaryWoodlands Elementary School★★★★★
MiddleMarkham Woods Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lake Mary market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$446K$488K

Lake Mary median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

91 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 381% above the LAKE MARY 32746 median. See the full Lake Mary market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,900,000 $25K
Jun 2, 2026Listed at $1,925,000 · 66 days on market since
2014Built · STEEPLE CHASE

Reality check

What actually sold near 3764 FARM BELL PLACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3955 EQUINE COVESold · Jul ’26

$1,485,000

3955 EQUINE COVE · same community

5 bd · 4.5 ba · 4,294 sqft · $346/sqft · 27 DOM

1420 OIL LAMP COVESold · Mar ’26

$1,375,000

1420 OIL LAMP COVE · same community

4 bd · 3.5 ba · 4,282 sqft · $321/sqft · 13 DOM

5353 Steeple Chase, Boca Raton FL 33496Sold · Apr ’26

$1,700,000

5353 Steeple Chase, Boca Raton FL 33496 · same community

4 bd · 5.5 ba · 3,339 sqft · $509/sqft · 1 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3764 FARM BELL PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3764 FARM BELL PLACE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

3764 FARM BELL PLACE FAQs

What would the monthly payment be for 3764 FARM BELL PLACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,610/mo — principal and interest, the actual property-tax bill, the $220/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 3764 FARM BELL PLACE?+

The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3764 FARM BELL PLACE?+

The most recent tax bill on record (2024) was $15,186. 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 3764 FARM BELL PLACE?+

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 $1,900,000, this home is listed about 347% above the Lake Mary median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3764 FARM BELL PLACE?+

Lake Mary High School (high), Woodlands Elementary School (elementary), Markham Woods Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,900,000 runs 381% above the LAKE MARY 32746 median — but at 5,118 sqft it's also nearly 3 times the size of the typical Lake Mary listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Lake Mary High School, Woodlands Elementary School, Markham Woods Middle School — Woodlands Elementary School rates 5 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,925,000, now $1,900,000 — a $25K cut. The full history is in the market section below.

Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Kristen Wenderfer. MLS #O6413075.

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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