400 PINE TREE ROAD, LAKE MARY, FL, 32746
Active9 days on marketListed Oct 7, 2026MLS #O6443120
About this home
400 PINE TREE ROAD
Virtually Staged. Welcome to the highly desirable Cardinal Oaks Cove, one of Lake Mary’s hidden gems-with no HOA. Offering 5 bedrooms, 4 bathrooms, and 3,475 square feet, this spacious home is designed for comfortable living and entertaining. The kitchen features an island and opens to the great room, where a fireplace and direct pool access create a welcoming gathering space. Formal living and dining rooms provide additional room to entertain. Just off the kitchen, the indoor laundry room includes built-in cabinets. Enjoy a sparkling enclosed pool and an approximately 400 square foot covered lanai featuring a custom-built bar and mini fridge, surrounded by lush landscaping for added privacy. The oversized garage also features custom storage cabinets. The main-floor primary suite includes an ensuite bath with a walk-in closet, walk-in shower, double vanities and a private water closet. Upstairs are four additional bedrooms, two bathrooms and a spacious loft with a custom-built bookcase. One of the bathrooms is a Jack-and-Jill. One bedroom also features custom-built drawers and additional storage. Located in the heart of Lake Mary, this home is just minutes from fine dining, shopping and major highways-offering easy access to everything Central Florida has to offer.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,475
Sqft
0.43 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$236
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.
$5,244 /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
$5,244/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.
vs edgeAI estimate
−6.4%
$/sqft vs Lake Mary actives
$236 vs $244
Days on market
9 vs 50 typical
Where $236/sqft sits among the 187 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 Cardinal Oaks 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 →
Cardinal Oaks Cove — neighborhood snapshot
Population
707
Median age
39
Median income
$115,158
Median home value
$402,200
Avg household
2
Households w/ children
75%
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)
96 of 187
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 108% 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 400 PINE TREE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$695,000
260 SHADY OAKS CIRCLE · same community
5 bd · 4 ba · 3,077 sqft · $226/sqft · 35 DOM
Sold · Oct ’25$644,000
398 PINE TREE ROAD · same community
5 bd · 2 ba · 3,061 sqft · $210/sqft · 209 DOM
Sold · Mar ’26$650,000
240 SHADY OAKS CIRCLE · same community
4 bd · 3 ba · 2,610 sqft · $249/sqft · 6 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 400 PINE TREE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 PINE TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
400 PINE TREE ROAD FAQs
What would the monthly payment be for 400 PINE TREE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,244/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 400 PINE TREE ROAD?+
The most recent tax bill on record (2025) was $4,217. 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 400 PINE TREE ROAD?+
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 $820,000, this home is listed about 70% above the Lake Mary median of $482,500. The market section on this page shows how the area is trending.
Which schools are assigned to 400 PINE TREE ROAD?+
Lake Mary Elementary School (elementary), Lake Mary High School (high), Greenwood Lakes Middle School (middle) — 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
$820,000 runs 108% above the LAKE MARY 32746 median — but at 3,475 sqft it's also nearly twice the size of the typical Lake Mary listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Lake Mary Elementary School, Lake Mary High School, Greenwood Lakes Middle School — Lake Mary Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Chuck Ferdinandsen. MLS #O6443120.
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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