David Ramirez
$1,599,000$1,649,0004 bd3.5 ba4,376 sqft$365 /sqft$11,072 /mo all-in ↓

3851 GRASSLAND LOOP, LAKE MARY, FL, 32746

Active39 days on marketListed Jun 14, 2026MLS #O6415894

Reduced $50KPrivate poolSingle Family ResidenceSTEEPLE CHASE

About this home

3851 GRASSLAND LOOP

A private resort in the heart of Lake Mary, where luxury outdoor living and exceptional entertaining take center stage. Located within the highly sought-after gated community of Steeple Chase, this exceptional 4-bedroom, 3.5-bath estate offers a lifestyle rarely found in Central Florida. Designed around outdoor living and entertaining, the backyard is a true showpiece. Surrounded by mature palms, lush podocarpus hedges, and professional landscape lighting, the resort-style outdoor retreat centers around a spectacular heated saltwater pool featuring a swim-up bar, elegant fountains, a spacious sun deck, and an expansive spa with therapeutic air-jet features. Advanced pool automation provides effortless control of temperature, lighting, and water features, while programmable LED lighting allows the pool and spa to be customized with an array of colors to create the perfect ambiance for entertaining or relaxing. The spacious covered lanai with retractable screens and fully equipped summer kitchen creates an ideal setting for gatherings large and small. Whether enjoying a quiet evening by the water or hosting guests, the outdoor spaces deliver a private luxury resort experience every day. Golf enthusiasts will appreciate the home’s location just minutes from several premier golf courses, complementing the active and upscale lifestyle this community offers. Inside, soaring ceilings, abundant natural light, and a thoughtfully designed open floor plan create an immediate sense of elegance and sophistication. At the heart of the home, the gourmet chef’s kitchen showcases a premium Wolf appliance package, Sub-Zero refrigeration, natural gas cooking, custom cabinetry, an apron-front sink, and an oversized quartz island designed for both everyday living and effortless entertaining The dramatic two-story family room flows seamlessly from the kitchen and overlooks the backyard oasis, creating an inviting environment for everyday living and entertaining. A butler’s pantry and bar area connect to the formal dining room, while a dedicated office/den offers privacy and flexibility with its own staircase leading to an upstairs loft or flex space. Motorized window treatments throughout the home provide effortless comfort, privacy, and light control. The first-floor primary suite serves as a luxurious retreat, featuring tray ceilings, resort-style pool views, oversized dual walk-in closets, and a spa-inspired bath with separate vanities, an oversized walk-in shower, and a soaking tub. Upstairs, you’ll find an expansive media room or home gym featuring premium in-ceiling speakers, creating an immersive environment for workouts, movies, sports, or entertainment. A spacious game room offers dedicated wine storage and a built-in cigar humidor display, while three generously sized bedrooms are served by additional full baths. Additional highlights include an oversized laundry room with utility sink and full-size refrigerator, as well as a three-car garage. Residents of Steeple Chase enjoy the privacy and security of a gated community while remaining just minutes from top-rated schools, upscale shopping, fine dining, major highways, downtown Lake Mary, Winter Park, downtown Orlando, area beaches, and world-renowned attractions. Luxury, privacy, recreation, and resort-style living converge in one of Lake Mary’s most desirable communities. This home us a must see !! Seize the opportunity to own this slice of paradise by scheduling your private tour today!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,376

Sqft

0.3 ac

Lot size

3

Garage

2020

Year built

Two

Levels

$365

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorCrown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Outdoor Kitchen · Rain Gutters · Sliding Doors

Community & fees

HOA fee$230/mo
Taxes (2025)$17,456/yr
PetsYes
CommunityCommunity Mailbox

Utilities & systems

UtilitiesElectricity Connected · Public
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.

$11,072 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,628
PMI (est., until 20% equity)$600
Property tax — 2025 actual bill$1,455
HOA fee — from the listing$230
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $159,900Loan30-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% · $159,900
Interest rate6.00%
Loan term

Estimated payment

$11,072/mo

Principal & interest$8,628
PMI (est., until 20% equity)$600
Property taxes (actual bill)$1,455
HOA / condo fee$230
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 $1.6M
$823KedgeAI estimate $1,178,887 · range $857K$1.4M$1.7M

vs edgeAI estimate

+35.6%

Days on market

39 vs 42 typical

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 Lake Mary

Map of 3851 GRASSLAND LOOP

Drive times from this address

Downtown Orlando23 min
Universal Orlando36 min
Orlando Int’l Airport (MCO)43 min
Walt Disney World48 min

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

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

The numbers that matter

The Lake Mary market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$446K$488K

Lake Mary median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 273% above the Lake Mary median. See the full Lake Mary market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,599,000 $50K
Jun 14, 2026Listed at $1,649,000 · 39 days on market since
2020Built · STEEPLE CHASE

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 3851 GRASSLAND LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3851 GRASSLAND LOOP — 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.

Goes straight to David’s phone and CRM.

Straight answers

3851 GRASSLAND LOOP FAQs

What would the monthly payment be for 3851 GRASSLAND LOOP?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,072/mo — principal and interest, the actual property-tax bill, the $230/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 3851 GRASSLAND LOOP?+

The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3851 GRASSLAND LOOP?+

The most recent tax bill on record (2025) was $17,456. 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 3851 GRASSLAND LOOP?+

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 $1,599,000, this home is listed about 273% above the Lake Mary median of $429,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$1,599,000 runs 273% above the Lake Mary median — but at 4,376 sqft it's also nearly twice 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.

03The price has already moved

Listed at $1,649,000, now $1,599,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Ruby Margaret. MLS #O6415894.

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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