1158 CARMEL CIRCLE UNIT 430, CASSELBERRY, FL, 32707
Active17 days on marketListed Jul 17, 2026MLS #O6425206
About this home
1158 CARMEL CIRCLE UNIT 430
Experience elevated lakefront living in the gated Carmel by the Lake community on beautiful Lake Howell in Seminole County. This spacious fourth-floor residence, conveniently accessed by elevator, offers 1,876 square feet of thoughtfully designed living space with 3 bedrooms, 2 bathrooms, and an open-concept layout that showcases breathtaking views of the lake and beautifully landscaped grounds from your private balcony. Wake up each morning to breadth taking peaceful scenery and enjoy a true resort-style lifestyle with exclusive private access to Lake Howell for boating, fishing, kayaking, and paddle boarding. Community amenities include a sparkling swimming pool, tennis courts, clubhouse, and meticulously maintained grounds, all within the security of a gated community. The HOA provides exceptional value by covering water, sewer, cable TV, high-speed internet, exterior maintenance, roof maintenance, and grounds care, allowing you to enjoy a carefree, lock-and-leave lifestyle. Perfectly located just minutes from Winter Park, Maitland, Lake Mary, Altamonte Springs, and Downtown Orlando, this home offers convenient access to major highways, premier shopping, dining, entertainment, top-rated medical facilities, and Orlando's world-renowned attractions. Whether you're searching for a primary residence, seasonal getaway, or low-maintenance luxury retreat, this exceptional waterfront condo offers the perfect blend of comfort, convenience, and Florida living. Schedule your private showing today and discover why Carmel by the Lake is one of Central Florida's most desirable lakefront communities to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,876
Sqft
0 ac
Lot size
1984
Year built
One
Levels
$149
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 — not generic estimates.
$2,353 /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
$2,353/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
−16.7%
$/sqft vs Casselberry actives
$149 vs $226
Days on market
17 vs 27 typical
Where $149/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
$318K → $363K
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 7% below the CASSELBERRY 32707 median. See the full Casselberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 1158 CARMEL CIRCLE UNIT 430
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$410,000
2949 CLEVER LANE
3 bd · 2.5 ba · 1,907 sqft · $215/sqft · 109 DOM
Sold · Aug ’25$450,000
2151 CONIFER AVENUE
3 bd · 2 ba · 1,806 sqft · $249/sqft · 32 DOM
Sold · May ’26$760,000
5233 LAKE HOWELL ROAD
4 bd · 3 ba · 1,778 sqft · $427/sqft · 7 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 1158 CARMEL CIRCLE UNIT 430 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1158 CARMEL CIRCLE UNIT 430 — 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
1158 CARMEL CIRCLE UNIT 430 FAQs
What would the monthly payment be for 1158 CARMEL CIRCLE UNIT 430?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,353/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1158 CARMEL CIRCLE UNIT 430?+
The most recent tax bill on record (2025) was $5,050. 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 1158 CARMEL CIRCLE UNIT 430?+
The listing reports pets: Breed Restrictions, Cats 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 $280,000, this home is listed about 16% below the Casselberry median of $334,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1158 CARMEL CIRCLE UNIT 430?+
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
Three things that matter here
01Under the CASSELBERRY 32707 market on paper
$280,000 is 7% below the CASSELBERRY 32707 median of $299,900, and at $149/sqft it sits under the Casselberry average of $225.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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 LPT REALTY, LLC · Didem Hanley. MLS #O6425206.
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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