3522 HEART PINE LOOP, OCOEE, FL, 34761
Active11 days on marketListed Oct 1, 2026MLS #O6442300
About this home
3522 HEART PINE LOOP
Welcome home to this beautifully maintained 4-bedroom, 3-bathroom two-story Lauderdale floorplan in McCormick Reserve! Just 9 years young and situated on an oversized, pie-shaped lot, this home offers an impressive combination of space, upgrades, and an incredible outdoor living area. The previous sellers have invested approximately $60,000 in upgrades and improvements, and it shows! From the moment you walk in, you'll appreciate the spacious formal living and dining areas, 10-foot ceilings, and the open flow into the centrally located kitchen and family room. The kitchen features 42" cabinets with crown molding, upgraded quartz countertops, a large island, custom pantry, pendant lighting, and GE stainless steel appliances, all overlooking the family room and its sliding doors leading to the covered, screened-in lanai and backyard. The split-bedroom layout provides privacy for everyone, with a spacious primary suite featuring a large walk-in closet and an oversized bathroom with plenty of storage, while two additional downstairs bedrooms offer generous space and easy access to the second full bathroom. Upstairs, you'll find the fourth bedroom with its own private full bathroom, along with a huge bonus room that can easily be used as a game room, media room, home gym, office, or whatever your lifestyle requires. The backyard is where this home really shines! The oversized pie-shaped lot is fully enclosed with vinyl fencing and gates on both sides, creating a private and versatile outdoor space with plenty of room to entertain, relax, and enjoy the Florida sunshine. New pavers lead to an outdoor grill area and pergola, with electricity already run for added convenience, while multiple fruit trees add to the charm. The covered lanai features a retractable screen, making it easy to enjoy the outdoors throughout the year. Additional upgrades and features include plantation shutters, blinds, double-pane low-E windows, security cameras for remote monitoring, a 50-gallon hybrid electric water heater, and epoxy flooring in the garage. McCormick Reserve is conveniently located just minutes from major highways, Historic Downtown Winter Garden, the West Orange Trail, Winter Garden Village, restaurants, shopping, and everyday conveniences, with Disney, Universal, Downtown Orlando, and Orlando International Airport all approximately 30 minutes away. This is one you really need to see in person to appreciate the space, upgrades, and backyard!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,466
Sqft
0.24 ac
Lot size
2
Garage
2017
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.
$4,241 /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
$4,241/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
+10.1%
$/sqft vs Ocoee actives
$215 vs $227
Days on market
11 vs 57 typical
Where $215/sqft sits among the 133 Ocoee 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 Ocoee
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocoee. See the full Ocoee guide →
OCOEE 34761 — neighborhood snapshot
Population
46,313
Median age
35.4
Median income
$90,406
Median home value
$363,100
Avg household
3.25
Households w/ children
6,071
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocoee market
$455K → $432K
Ocoee median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
85 of 133
Ocoee actives have cut their price
Median sold price, Ocoee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the OCOEE 34761 median. See the full Ocoee market guide →
Paper trail
This home's history
Reality check
What actually sold near 3522 HEART PINE LOOP
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$520,000
3554 GRETCHEN DRIVE · same community
4 bd · 2 ba · 2,406 sqft · $216/sqft · 25 DOM
Sold · Apr ’26$435,000
3506 GRETCHEN DRIVE · same community
3 bd · 2 ba · 1,675 sqft · $260/sqft · 63 DOM
Sold · Jun ’26$490,000
1558 TERRA VERDE WAY
3 bd · 2.5 ba · 2,564 sqft · $191/sqft · 156 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3522 HEART PINE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3522 HEART PINE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3522 HEART PINE LOOP FAQs
What would the monthly payment be for 3522 HEART PINE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,241/mo — principal and interest, the actual property-tax bill, the $75/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 3522 HEART PINE LOOP?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3522 HEART PINE LOOP?+
The most recent tax bill on record (2025) was $7,820. 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 3522 HEART PINE LOOP?+
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 Ocoee?+
At $530,000, this home is listed about 21% above the Ocoee median of $437,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3522 HEART PINE LOOP?+
Prairie Lake Elementary (elementary), Ocoee High (high), Ocoee Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Jonathan Speagle. MLS #O6442300.
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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