521 LAKESHORE CIRCLE, LAKE MARY, FL, 32746
Active12 days on marketListed Jul 22, 2026MLS #O6427102
About this home
521 LAKESHORE CIRCLE
Welcome home to 521 Lakeshore Cir, a beautifully upgraded one-story retreat in the heart of desirable Lake Mary, zoned for top-rated Seminole County schools. This spacious 3 bedroom, 2 bathroom home offers 1,514 square feet of thoughtfully updated living space on a generous 0.21-acre lot, blending comfort, character, and everyday functionality. Step inside to find gorgeous porcelain wood-look tile flooring flowing throughout the home, setting a warm and cohesive tone from room to room. The kitchen has been beautifully upgraded with granite countertops, gorgeous cabinetry, and stainless steel appliances, creating a bright and inviting space to cook and gather. The versatile floor plan includes a converted garage into an additional living space, complete with an oversized walk-in closet, perfect for a guest suite, home office, or growing family. Major updates provide peace of mind, including a new roof (2020) and a new AC unit (2019). Step outside to your private backyard oasis, where a charming gazebo and pergola set the scene over a paver patio connecting the outdoor living areas, ideal for relaxing or entertaining. Enjoy a fenced yard, offering privacy and room to enjoy the Florida sunshine. Ideally located in the heart of Lake Mary, this home offers easy access to I-4, Lake Emma Road, and Greenwood Blvd, putting shopping, dining, and top-rated schools just minutes away. Don't miss this rare opportunity to own a beautifully upgraded home in one of Seminole County's most sought-after communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,514
Sqft
0.21 ac
Lot size
2
Garage
1983
Year built
One
Levels
$283
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.
$3,258 /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
$3,258/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
−1.1%
$/sqft vs Lake Mary actives
$283 vs $241
Days on market
12 vs 42 typical
Where $283/sqft sits among the 157 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 Lake Mary
Drive times from this address
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
$446K → $488K
Lake Mary median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
91 of 157
Lake Mary actives have cut their price
Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 521 LAKESHORE 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$400,000
498 WHITTINGHAM PLACE · same community
3 bd · 2 ba · 1,408 sqft · $284/sqft · 25 DOM
Sold · May ’26$525,000
515 HUXFORD COURT · same community
4 bd · 2.5 ba · 1,757 sqft · $299/sqft · 4 DOM
Sold · Apr ’26$335,000
533 REMINGTON OAK DRIVE
2 bd · 2 ba · 1,494 sqft · $224/sqft · 111 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 521 LAKESHORE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 521 LAKESHORE 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
521 LAKESHORE CIRCLE FAQs
What would the monthly payment be for 521 LAKESHORE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,258/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 521 LAKESHORE CIRCLE?+
The most recent tax bill on record (2025) was $4,594. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lake Mary?+
At $429,000, this home is priced right at the Lake Mary median.
Keep looking
Similar homes nearby
Listing courtesy of REAL PROPERTY MANAGEMENT AND REALTY · Shelby Kirsch. MLS #O6427102.
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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