345 OAK LEAF CIRCLE, LAKE MARY, FL, 32746
Active1 days on marketListed Oct 17, 2026MLS #O6450632
About this home
345 OAK LEAF CIRCLE
Welcome to this beautifully maintained home in the heart of desirable Lake Mary, where timeless charm meets extensive modern upgrades and energy-efficient features. A brand-new roof installed in October 2026 adds even more value and peace of mind. Located in a quiet, established neighborhood, this home offers convenient access to top-rated schools, premier shopping and dining, parks, the SunRail Lake Mary station, and major commuter routes including I-4 and SR 417. Inside, you'll find a spacious split floor plan with soaring vaulted ceilings, hard-surface flooring throughout the main living areas, and brand-new carpeting in two bedrooms. The large eat-in kitchen provides plenty of space for everyday living and entertaining, while the thoughtfully designed layout offers both functionality and privacy. Step outside to a large backyard with a pool featuring a durable Vulcan Surfacing finish, providing a resilient, slip-resistant surface designed for lasting performance and enjoyment. This home stands out with an impressive list of valuable improvements, including paid-in-full solar panels to help improve energy efficiency and reduce monthly electric costs, along with double-pane and impact windows throughout. Additional updates include vinyl flooring throughout the common areas, a new knockdown ceiling texture replacing the original popcorn ceilings, fresh interior and exterior paint completed in December 2024, a new septic drainfield installed in March 2025, and brand-new carpet and fresh paint in two bedrooms in September 2026. The home also features an electric heat-pump pool heater for extended pool enjoyment. With a new roof, energy-efficient features, and numerous significant improvements already completed, this home offers an exceptional opportunity to enjoy comfort, convenience, and peace of mind in a sought-after Lake Mary location. Don't miss your chance to make this wonderful property your own!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,758
Sqft
0.34 ac
Lot size
2
Garage
1992
Year built
One
Levels
$273
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.
$3,405 /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
$3,405/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
+2.5%
$/sqft vs Lake Mary actives
$273 vs $243
Days on market
1 vs 52 typical
Where $273/sqft sits among the 194 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 Misty Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Mary. See the full Lake Mary guide →
Misty Oaks — neighborhood snapshot
Population
229
Median age
32
Median income
$56,864
Median home value
$269,600
Avg household
2
Households w/ children
19%
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)
102 of 194
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 20% 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 345 OAK LEAF CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$298,900
3110 NW 21ST STREET · same community
3 bd · 2 ba · 1,748 sqft · $171/sqft · 59 DOM
Sold · Jun ’26$510,000
301 OAK LEAF CIRCLE · same community
4 bd · 2 ba · 2,022 sqft · $252/sqft · 21 DOM
Sold · Jun ’26$630,000
6183 MISTY OAKS DRIVE · same community
3 bd · 2 ba · 2,068 sqft · $305/sqft · 108 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 345 OAK LEAF CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 345 OAK LEAF CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
345 OAK LEAF CIRCLE FAQs
What would the monthly payment be for 345 OAK LEAF CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,405/mo — principal and interest, the actual property-tax bill, the $51/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 345 OAK LEAF CIRCLE?+
The association fee works out to $51 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 345 OAK LEAF CIRCLE?+
The most recent tax bill on record (2025) was $1,876. 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 345 OAK LEAF CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $479,900, this home is listed about 1% below the Lake Mary median of $485,000. The market section on this page shows how the area is trending.
Which schools are assigned to 345 OAK LEAF CIRCLE?+
Lake Mary Elementary School (elementary), Seminole High School (high), Millennium 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
$479,900 runs 20% above the LAKE MARY 32746 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Lake Mary market that averages 52 — if it fits, move quickly.
04Strong assigned schools
Lake Mary Elementary School, Seminole High School, Millennium Middle School — Lake Mary Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ASSIST 2 SELL FOUTZ REALTY · Robert Foutz. MLS #O6450632.
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.
Never miss a listing
New Lake Mary homes, in your inbox
Like 345 OAK LEAF CIRCLE but not quite? A daily digest of every new listing in Lake Mary — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kevin to ping you on any price or status change →