122 CARMEL BAY DRIVE, SANFORD, FL, 32771
Active99 days on marketListed May 4, 2026MLS #O6402946
About this home
122 CARMEL BAY DRIVE
Seller to offer credit of $7500 to buyer. Welcome to this spacious 4-bedroom, 2.5-bathroom, 2,170 sq. ft. two-story home in Monterey Oaks, offering a flexible layout and inviting living spaces throughout. The main level features a formal dining room and a versatile bonus room that can easily function as a 5th bedroom, home office, media room, or additional flex space to fit your needs. The kitchen is designed for both everyday living and entertaining, complete with solid surface countertops, a center island, and stainless steel appliances. It opens seamlessly to the generous living room, creating a comfortable and connected main living area. French doors lead to a screened-in patio, extending the living space outdoors. All bedrooms are located upstairs, providing added privacy from the main living areas. The primary suite offers a spacious retreat with an en suite bathroom featuring two separate showers, including a walk-in shower and a tub/shower combination, along with a large vanity and ample storage. Step outside to the screened lanai overlooking a spacious, fully fenced backyard framed by mature trees, offering a peaceful outdoor setting with room to relax or play. Conveniently located just minutes from theme parks, major shopping destinations, beaches, airports, and major highways, this home provides easy access to a wide range of local attractions and everyday conveniences.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,170
Sqft
0.11 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$215
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.
$3,608 /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
$3,608/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
+5.7%
$/sqft vs Sanford actives
$215 vs $218
Days on market
99 vs 34 typical
Where $215/sqft sits among the 400 Sanford 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 Sanford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sanford. See the full Sanford guide →
SANFORD 32771 — neighborhood snapshot
Population
59,708
Median age
38.7
Median income
$74,520
Median home value
$332,500
Avg household
2.66
Households w/ children
7,359
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sanford market
$354K → $380K
Sanford median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
211 of 400
Sanford actives have cut their price
Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the SANFORD 32771 median. See the full Sanford market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 CARMEL BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$440,000
128 CARMEL BAY DRIVE · same community
4 bd · 2.5 ba · 2,170 sqft · $203/sqft · 3 DOM
Sold · Jun ’26$495,000
111 CARMEL BAY DRIVE · same community
5 bd · 2.5 ba · 2,170 sqft · $228/sqft · 3 DOM
Sold · May ’26$355,000
142 SPANISH BAY DRIVE · same community
3 bd · 2 ba · 1,874 sqft · $189/sqft · 70 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 122 CARMEL BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 CARMEL BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
122 CARMEL BAY DRIVE FAQs
What would the monthly payment be for 122 CARMEL BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,608/mo — principal and interest, the actual property-tax bill, the $18/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 122 CARMEL BAY DRIVE?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 122 CARMEL BAY DRIVE?+
The most recent tax bill on record (2025) was $5,657. 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 122 CARMEL BAY DRIVE?+
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 Sanford?+
At $467,500, this home is listed about 21% above the Sanford median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 122 CARMEL BAY DRIVE?+
Goldsboro Elementary Magnet (elementary), Idyllwilde Elementary School (elementary), Bentley Elementary School (elementary), Seminole High School (high), Wilson Elementary School (elementary), Markham Woods Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$467,500 runs 30% above the SANFORD 32771 median — but at 2,170 sqft it's also 23% larger than the typical Sanford listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
99 days on market against a Sanford median of 34 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Goldsboro Elementary Magnet, Idyllwilde Elementary School, Bentley Elementary School, Seminole High School, Wilson Elementary School, Markham Woods Middle School — Goldsboro Elementary Magnet rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $475,000, now $467,500 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · David Bollet. MLS #O6402946.
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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