CENTURY 21 Edge
$7,095,0005 bd6 ba7,768 sqft$913 /sqft≈$41,674 /mo all-in ↓

2636 REAGAN TRAIL, LAKE MARY, FL, 32746

Active23 days on marketListed Sep 4, 2026MLS #O6439030

✦ New constructionWaterfrontPrivate poolSingle Family ResidenceTHE COVE

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

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringEngineered Hardwood · Porcelain Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Gas Water Heater · Microwave · Refrigerator · Tankless Water Heater
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral · Zoned

Outside & construction

RoofMetal
ConstructionBlock · Stone · Stucco · Wood Frame
FoundationStem Wall
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized · Split Garage
ExteriorFrench Doors

Community & fees

Taxes (2025)$6,833/yr
PetsYes
CommunityGated Community - No Guard

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Propane · Street Lights · Water Connected
WaterPublic

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%

Principal & interest$38,284
PMI (est., until 20% equity)$2,661
Property tax — 2025 actual bill$569
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $709,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $709,500
Interest rate6.00%
Loan term

Estimated payment

$41,674/mo

Principal & interest$38,284
PMI (est., until 20% equity)$2,661
Property taxes (actual bill)$569
Est. insurance$160

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

128
43
10
1
1
0 · this home
$152–279$279–406$406–533$533–660$660–786$786+

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

Downtown Orlando≈ 28 min
Universal Orlando≈ 40 min
Orlando Int’l Airport (MCO)≈ 42 min
Walt Disney World≈ 52 min

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

ElementaryWicklow Elementary School★★★★★
HighSeminole High School★★★★★
ElementaryCrystal Lake Elementary School★★★★★
MiddleMillennium Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lake Mary market

Seller’s marketLeans seller — 3.8 months of inventoryBuyer’s 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

Sep 4, 2026Listed at $7,095,000 · 23 days on market since
2027Built · THE COVE

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.

2608 REAGAN TRAILSold · Jul ’26

$815,000

2608 REAGAN TRAIL · same community

5 bd · 3 ba · 3,034 sqft · $269/sqft · 14 DOM

3278 SAFE HARBOR LANESold · Dec ’25

$588,000

3278 SAFE HARBOR LANE · same community

5 bd · 3 ba · 2,584 sqft · $228/sqft · 110 DOM

311 CLERMONT AVENUESold · 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 2636 REAGAN TRAIL — start here.

Andrew Acosta

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.

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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2636 REAGAN TRAIL, LAKE MARY, FL — 5 Bed, 6 Bath — $7,095,000 | CENTURY 21 Edge