145 N PEARL LAKE CAUSEWAY UNIT 204, ALTAMONTE SPRINGS, FL, 32714
Active28 days on marketListed Jul 17, 2026MLS #O6424748
About this home
145 N PEARL LAKE CAUSEWAY UNIT 204
OPPORTUNITY to live in the peaceful, serene, gated LAKEFRONT community of Cove at Lake Pear; CONVINIENTLY located near all major roads, amenities, medical facilities, schools, entertainment, Cranes Roost Park, parks and restaurants. This spacious updated second floor spacious 2bed/2 bath condo features LAKEVIEW, open floor plan, updated kitchen, vinyl flooring throughout, spacious bedrooms, vaulted ceiling with skylight, storage & inside laundry. The upgraded kitchen with stone countertops, SS farmer sink, matching appliances, oversized pantry and breakfast bar overlooks the family room & lake; adjoining the spacious dining areas—great space for entertaining. French doors from Living Area open onto the screened Lakefront balcony - ideal for morning coffee or quiet evenings. The large primary bedroom, overlooking the lake offers large walk-in closet space and easy access to a fully updated bathroom with double sinks, separate shower & lighting. A second bedroom and full bath provide flexibility for guests, a home office, or a hobby space. Residents of The Cove at Pearl Lake enjoy a variety of resort style amenities for active residents including gate with controlled access, a sparkling community pool, a fitness center & water. Comfortable living at its best. Financing options available thru Element Home Funding.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,053
Sqft
0.01 ac
Lot size
1974
Year built
One
Levels
$160
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.
$1,985 /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
$1,985/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
+23.1%
$/sqft vs Altamonte Springs actives
$160 vs $181
Days on market
28 vs 48 typical
Where $160/sqft sits among the 293 Altamonte Springs 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 Altamonte Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Altamonte Springs. See the full Altamonte Springs guide →
The numbers that matter
The Altamonte Springs market
$313K → $315K
Altamonte Springs median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
155 of 293
Altamonte Springs actives have cut their price
Median sold price, Altamonte Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the Altamonte Springs median. See the full Altamonte Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 145 N PEARL LAKE CAUSEWAY UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$150,000
586 BRANTLEY TERRACE WAY UNIT 307
2 bd · 2 ba · 1,046 sqft · $143/sqft · 3 DOM
Sold · Jul ’26$165,000
583 BRANTLEY TERRACE WAY UNIT 307
2 bd · 2 ba · 1,046 sqft · $158/sqft · 41 DOM
Sold · Apr ’26$205,000
582 BRANTLEY TERRACE WAY UNIT 102
2 bd · 2 ba · 1,046 sqft · $196/sqft · 11 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 145 N PEARL LAKE CAUSEWAY UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 145 N PEARL LAKE CAUSEWAY UNIT 204 — 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
145 N PEARL LAKE CAUSEWAY UNIT 204 FAQs
What would the monthly payment be for 145 N PEARL LAKE CAUSEWAY UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,985/mo — principal and interest, the actual property-tax bill, the $512/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 145 N PEARL LAKE CAUSEWAY UNIT 204?+
The association fee works out to $512 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 145 N PEARL LAKE CAUSEWAY UNIT 204?+
The most recent tax bill on record (2025) was $2,923. 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 145 N PEARL LAKE CAUSEWAY UNIT 204?+
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 Altamonte Springs?+
At $169,000, this home is listed about 15% below the Altamonte Springs median of $199,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of ALFANO PROPERTY MANAGEMENT · Tae Harper. MLS #O6424748.
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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