
2636 REAGAN TRAIL, LAKE MARY, FL, 32746
Active23 days on marketListed Sep 4, 2026MLS #O6439030
About this home
2636 REAGAN TRAIL
Pre-Construction. To be built. Generational ownership property is now available to new owners! This six-acre lakefront property presents a rare opportunity to own one of Lake Mary’s true legacy estates. This property is available as as-is without build (old home and structures remain). Set behind the private gates of The Cove, yet uniquely exempt from the community’s HOA, the property is reached by a long, tree-lined private drive that opens to more than 800 feet of shoreline along Crystal Lake. Here, the lake becomes part of everyday life, offering endless opportunities for boating, waterskiing, fishing, swimming and kayaking, while western sunsets, abundant wildlife and the natural beauty of the waterfront create a sense of privacy and place that is increasingly hard to find. Planned for the site is a Transitional Modern estate to be built by Konkol Custom Homes, one of Central Florida’s premier luxury homebuilders. With approximately 7,768 square feet under air and 10,790 total square feet, the residence is designed to take full advantage of the waterfront setting while offering the comfort, scale and flexibility expected of a custom luxury home. The floor plan includes five bedrooms, five full and two half baths, along with four garage spaces arranged as two separate two-car garages. Inside, expansive living areas are defined by dramatic open-to-below spaces and an easy connection between the home’s main gathering areas. The great room is centered around a fireplace and flows naturally into the dining area and kitchen, where a large island and separate scullery create a layout equally suited for everyday living and entertaining. The primary suite is privately positioned in its own wing with generous walk-in closets, a spacious bath and an adjacent yoga room or flex space. A separate guest or multigenerational suite includes its own en-suite bath and walk-in closet, providing privacy and comfort for extended stays. A dedicated gym with a dry sauna creates a private wellness space at home, while upstairs an open loft, two private offices, additional storage, a covered balcony and open overlooks add versatility. An elevator provides convenient access between levels. The outdoor spaces are designed to feel like an extension of the home. A generous covered living area and summer kitchen open to the pool, deck and expansive grounds, with the lake always part of the view. Beyond the backyard, more than 800 feet of shoreline, a private dock and a boathouse make it easy to enjoy Crystal Lake, whether heading out on the boat, spending an afternoon on the water or settling in to watch the sunset. Lake Mary’s dining, shopping, entertainment and everyday conveniences are only minutes away, while Interstate 4, SR 417 and the Wekiva Parkway provide easy access throughout Central Florida. (Illustrations are renderings and subject to change by buyer or builder).
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
7,768
Sqft
6.06 ac
Lot size
4
Garage
2027
Year built
Two
Levels
$913
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.
$41,674 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$41,674/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Lake Mary actives
$913 vs $242
Days on market
23 vs 35 typical
Where $913/sqft sits among the 183 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 The Cove
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 Cove — neighborhood snapshot
Population
1,329
Median age
44
Median income
$112,292
Median home value
$335,800
Avg household
3
Households w/ children
198
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)
93 of 183
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 1696% 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 2636 REAGAN TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$815,000
2608 REAGAN TRAIL · same community
5 bd · 3 ba · 3,034 sqft · $269/sqft · 14 DOM
Sold · Dec ’25$588,000
3278 SAFE HARBOR LANE · same community
5 bd · 3 ba · 2,584 sqft · $228/sqft · 110 DOM
Sold · Jun ’26$2,250,000
311 CLERMONT AVENUE
5 bd · 4 ba · 6,559 sqft · $343/sqft · 127 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 2636 REAGAN TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2636 REAGAN TRAIL — 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
2636 REAGAN TRAIL FAQs
What would the monthly payment be for 2636 REAGAN TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $41,674/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 2636 REAGAN TRAIL?+
The most recent tax bill on record (2025) was $6,833. 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 2636 REAGAN TRAIL?+
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 $7,095,000, this home is listed about 1363% above the Lake Mary median of $485,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2636 REAGAN TRAIL?+
Wicklow Elementary School (elementary), Seminole High School (high), Crystal Lake Elementary School (elementary), Millennium Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Mel Bernstein. MLS #O6439030.
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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