985 RIDGEMOUNT PLACE, LAKE MARY, FL, 32746
Active91 days on marketListed May 13, 2026MLS #O6374738
About this home
985 RIDGEMOUNT PLACE
One or photo(s) has been virtually staged. Priced under Appraisal!! Welcome to your new patio home in the beautiful Keenwicke enclave of the Heathrow community! Relax into the Florida lifestyle on your own private, screened-in patio in this 3-bedroom, 2-bath home. Enjoy the fantastic amenities that Heathrow offers - 24-hour guard-gated access, basketball courts, fishing areas, walking trails, parks, and playgrounds with optional golf and tennis memberships available. New Water Heater (2026), and new AC (2022).
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,552
Sqft
0.14 ac
Lot size
2
Garage
1999
Year built
One
Levels
$332
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.
$4,019 /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
$4,019/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
+6.6%
$/sqft vs Lake Mary actives
$332 vs $235
Days on market
91 vs 46 typical
Where $332/sqft sits among the 159 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 →
LAKE MARY 32746 — neighborhood snapshot
Population
45,970
Median age
43.8
Median income
$111,534
Median home value
$420,200
Avg household
2.41
Households w/ children
5,472
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Mary market
$446K → $488K
Lake Mary median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
94 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 33% above the LAKE MARY 32746 median. See the full Lake Mary market guide →
Paper trail
This home's history
Reality check
What actually sold near 985 RIDGEMOUNT PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$377,000
467 HAMPTONCREST CIRCLE UNIT 301
3 bd · 2 ba · 1,408 sqft · $268/sqft · 2 DOM
Sold · Aug ’25$596,000
871 PADDINGTON TERRACE
4 bd · 2 ba · 1,869 sqft · $319/sqft · 2 DOM
Sold · Apr ’26$540,000
968 PADDINGTON TERRACE
3 bd · 2.5 ba · 1,869 sqft · $289/sqft · 4 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 985 RIDGEMOUNT PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 985 RIDGEMOUNT PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
985 RIDGEMOUNT PLACE FAQs
What would the monthly payment be for 985 RIDGEMOUNT PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,019/mo — principal and interest, the actual property-tax bill, the $154/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 985 RIDGEMOUNT PLACE?+
The association fee works out to $154 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 985 RIDGEMOUNT PLACE?+
The most recent tax bill on record (2024) was $5,351. 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 985 RIDGEMOUNT 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 $515,000, this home is listed about 21% above the Lake Mary median of $427,000. The market section on this page shows how the area is trending.
Which schools are assigned to 985 RIDGEMOUNT PLACE?+
Heathrow Elementary School (elementary), Markham Woods Middle School (middle), Seminole 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
01Positioned at the premium end
$515,000 runs 33% above the LAKE MARY 32746 median.
02Strong assigned schools
Heathrow Elementary School, Markham Woods Middle School, Seminole High School — Heathrow Elementary School rates 5 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $525,000, now $515,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OAKSTRAND REALTY · Molly Damron. MLS #O6374738.
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.
Never miss a listing
New Lake Mary homes, in your inbox
Like 985 RIDGEMOUNT PLACE but not quite? A daily digest of every new listing in Lake Mary — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →