120 MONICA COURT, LAKE MARY, FL, 32746
Active2 days on marketListed Oct 14, 2026MLS #O6446899
About this home
120 MONICA COURT
RARE 3.3-ACRE ESTATE IN CARDINAL OAKS – 4 BEDROOMS, 4 BATHS & NO HOA! Discover exceptional space, privacy and estate-style living in desirable Lake Mary. This 4-bedroom, 4-bath, one owner home is nestled on approximately 3.3 acres in an established, low-density community with spacious homesites and mature surroundings. Highlights include a 2022 roof, remodeled kitchen with newer cabinetry and appliances, circular driveway, 2-car garage, ceramic tile downstairs, newer vinyl flooring upstairs, and a spacious primary suite with Jacuzzi tub. Enjoy Florida living from the covered and screened lanai, surrounded by mature oak trees, decorative fountains, beautiful boulder landscaping and expansive grounds. Located in Flood Zone X and offering NO HOA, this distinctive Cardinal Oaks property combines acreage, privacy and freedom with convenient access to Lake Mary shopping, dining, schools and major roadways. A rare Lake Mary opportunity—4 beds, 4 baths, 3.3 acres and NO HOA!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,823
Sqft
3.31 ac
Lot size
2
Garage
1988
Year built
Two
Levels
$319
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.
$5,644 /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
$5,644/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
+61.1%
$/sqft vs Lake Mary actives
$319 vs $243
Days on market
2 vs 49 typical
Where $319/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 Estates
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 Estates — neighborhood snapshot
Population
884
Median age
44
Median income
$101,250
Median home value
$449,100
Avg household
3
Households w/ children
137
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 128% 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 120 MONICA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$750,000
700 W PINEWOOD COURT
4 bd · 3 ba · 2,837 sqft · $264/sqft · 7 DOM
Sold · May ’26$795,000
383 EAGLE CREEK CIRCLE
4 bd · 3 ba · 2,767 sqft · $287/sqft · 7 DOM
Sold · Nov ’25$670,000
330 LAKE ROAD
4 bd · 3 ba · 2,763 sqft · $242/sqft · 41 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 120 MONICA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 MONICA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
120 MONICA COURT FAQs
What would the monthly payment be for 120 MONICA COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,644/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 120 MONICA COURT?+
The most recent tax bill on record (2025) was $3,495. 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 120 MONICA COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $899,777, this home is listed about 84% above the Lake Mary median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 MONICA COURT?+
Highlands 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
Four things that matter here
01Positioned at the premium end
$899,777 runs 128% above the LAKE MARY 32746 median — but at 2,823 sqft it's also 44% larger than the typical Lake Mary listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a Lake Mary market that averages 49 — if it fits, move quickly.
04Strong assigned schools
Highlands Elementary School, Lake Mary High School, Greenwood Lakes Middle School — Highlands Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of 8888 FILAM REALTY LLC · Jose Amoroso. MLS #O6446899.
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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