Cardinal Oaks Cove
Homes for Sale in Lake Mary, FL

All 214 homes for sale in Lake Mary, FL · median $450,000 · 196 homes for sale in 32746 · Seminole County homes for sale

Community in Lake Mary · Seminole County · ZIP 32746
131 homesBuilt 1961–2020Median sale $647K
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Photo via Stellar MLS

Built fromLive Stellar MLS data21 years of closingsFL DOR public recordsUpdated twice daily

Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $647,000, $229 per square foot, a median 26 days on market, sellers accepting 96% of original asking (-3% versus the prior year). Homes listed or recently sold were built 1988–1990; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 53 ft). At the median price and Seminole County's FY2025-26 rate of 15.18 mills, annual property tax runs about $9,820 ($9,220 with the full homestead exemption).

Cardinal Oaks Cove key facts
LocationLake Mary, Seminole County, FL · ZIP 32746
Homes in the community131 (FL DOR 2025 assessment roll)
Years built1961–2020 (median 1988)
Typical living area2,576 sq ft (median)
Sale prices, last 12 months$647,000 median across 4 closed sales · $229 per sq ft · -3.4% vs the prior 12 months
Days on market (closed sales)26 median
For sale right now0 active, 0 pending
Owner-occupied (homestead) share89%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cardinal Oaks Cove key facts,” movewithmomentum.com/neighborhoods/cardinal-oaks-cove, data as of September 20, 2026.

Live · Cardinal Oaks Cove Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$647K ▼
Median sold · 12 mo
down 3.4% vs the prior 12 months
-3.4% ▼
1-yr price change
n = 4 and 5 sales in the two windows
$229/sf
Sold $/sqft · 12 mo
peak $319 in 2024
95.8%
Sale vs ask
Tempo
26days
Median DOM · closed
4 days at the 2024 low
0 · 0
For sale · pending
live counts, refreshed twice daily
4
Sold · last 12 mo
10-yr average: about 3 a year
Ownership and context
89%
Owner-occupied · Cardinal Oaks Cove
117 of 132 parcels homesteaded (FL DOR 2025)
11%
Non-owner-occupied · Cardinal Oaks Cove
incl. 11% trust or LLC-held · 1% out-of-state
131
Homes in the community
plus 1 vacant residential lots · 132 residential parcels (FL DOR 2025)
Track record · 21 years of records
11
Recorded sales · 2024-2025
median $680K · qualified sales on the county roll (FL DOR 2025)
Est. 1961
Community established
homes built 1961-2020, median 1988 (FL DOR 2025)
2,836sqft
Median sold home size
12-mo windows, closed sales
3.1%/yr
Turnover rate
about 4 of 131 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price here is driven by condition and scope of updating, not by any single build era. With homes dating from 1961 through 2020 and a median build year of 1988, this is a community of mixed vintages sitting on established lots, and the median living area of about 2,576 square feet points to genuinely sized houses rather than starter product. The median sits at $650,000, or roughly $233 per square foot, but expect a wide spread underneath that number depending on how much work a given house has had.

The market posture is balanced to slightly soft. The median list-to-close pace is about 35 days, and year-over-year the median is down 3.7%. That is not a distressed signal, but it does mean sellers should price to current comps rather than last year's, and buyers have room to negotiate on homes that need work or have been sitting.

Cardinal Oaks Cove Housing Pulse · Momentum Research · as of September 20, 2026

Cardinal Oaks Cove right now

🟡 Off the recent peak. The trailing-12-month median ($647K) is down 3.4% from the prior 12 months ($670K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (4 and 5 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 5, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Nearby homes for sale

No active listings inside Cardinal Oaks CoveHomes for Sale in Lake Mary, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.

3857 S STILLWOOD LANE
$6M · 0.3 mi away
5 bd · 7.5 ba · 8,658 sqft
3857 S STILLWOOD LANE
Listed by DOUGLAS ELLIMAN
2006 NORTHLAKE DRIVE #2006
$145K · 0.5 mi away
2 bd · 2 ba · 912 sqft
2006 NORTHLAKE DRIVE #2006
Listed by LPT REALTY, LLC
418 WOLDUNN CIRCLE
$800K · 0.6 mi away
4 bd · 3 ba · 2,724 sqft
418 WOLDUNN CIRCLE
Listed by BEYCOME OF FLORIDA LLC
1715 W LAKE MARY BOULEVARD
$604K · 0.6 mi away
4 bd · 3 ba · 3,000 sqft
1715 W LAKE MARY BOULEVARD
Listed by FLAT FEE MLS REALTY
310 SUNVISTA COURT
$280K · 0.6 mi away
3 bd · 2 ba · 1,109 sqft
310 SUNVISTA COURT
Listed by LPT REALTY, LLC
2404 NORTHLAKE DRIVE #2404
$138K · 0.6 mi away
2 bd · 2 ba · 912 sqft
2404 NORTHLAKE DRIVE #2404
Listed by HOUSESTAR REALTY GROUP INC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Cardinal Oaks Cove market snapshot (as of September 20, 2026): the median sale price is about $647K ($229 per sq ft over the trailing 12 months of closed sales), and a median 26 days on market for closed sales. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (4 closings in the current window).

In ZIP 32746 (Lake Mary), 647 homes closed in the last 12 months at a median of $422K ($231/sq ft), up 0.6% year over year, with a median 34 days on market. Right now 77 active and 36 pending listings put supply at about 2.6 months — a healthy market. See the live ZIP 32746 housing market and the Seminole County market.

County records show 11 qualified sales in Cardinal Oaks Cove across 2024–2025 (6 in 2024, 5 in 2025), median $680,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Cardinal Oaks Cove is a community of 131 homes in Lake Mary, Seminole County, built between 1961 and 2020 (median 1988), with a median living area of about 2,576 square feet. 89% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Cardinal Oaks Cove is a small, established Lake Mary community of 131 homes with a very high owner-occupancy share, which tends to keep turnover low and the housing stock well-tended. Its range of build years means two houses at similar prices can be very different underneath.

Best for

  • Buyers around the mid-$600s who want roughly 2,500-plus square feet and will inspect condition closely
  • Owner-occupants planning to stay a while and comfortable in a low-turnover, established setting
  • Value-minded buyers willing to take on an older, less-updated home and renovate to their own standard

Probably not for

  • Buyers who require new construction or a single consistent build era
  • Investors wanting quick flips or high transaction volume in a thin, owner-heavy market
  • Anyone needing certainty that values will rise near-term, given the recent year-over-year decline

Windows contain 0 to 8 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$400K$600K$800K20122014201620182020202220242026
Down 3.4% year over year.
Every sale since 2005 · price vs size
$0$500K$1M2k2k3k4k
44 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$200$30020122014201620182020202220242026
Up from $118 in 2012 to a $319 peak in 2024; $229 now.
Median days on market · closed sales
102020122014201620182020202220242026
4 days at the 2024 low; 26 now.
Sale price vs original ask · median
90%95%100%20122014201620182020202220242026
95.8% now.
Homes sold per 12-mo window
025820122014201620182020202220242026
0 to 8 a year; 4 in the current window.
How much local inventory is already under contract

26% of homes for sale in ZIP 32746 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).

Cardinal Oaks Cove Market Scorecard

Balanced

Cardinal Oaks Cove is currently a balanced market..

$647,000
Median sold
0/0/4
Active/Pend/Sold

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Housing distress & ownership in Cardinal Oaks Cove, Lake Mary

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-09-25)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Cardinal Oaks Cove today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cardinal Oaks Cove.

Best Buy
Buyers who want an established, larger Lake Mary home and will judge each house on its condition.
Biggest Risk
The median is down 3.7% year-over-year, so recent comps matter more than last year's.
Sweet Spot
An updated home at or near the $650,000 median with sound mechanicals.
Avoid If
You need uniform, new-build product or a fast, high-volume market.

A mixed-vintage pocket where condition sets the price

The nearly six-decade build span is the single most important thing to understand before you shop here. A 1988-era house at the median is a different animal from something built in the early 1960s or renovated closer to 2020, and that variability is why one median price can cover such different homes. Read each listing on its own condition, mechanicals, and updates rather than assuming the neighborhood delivers a uniform product.

With an owner-occupancy share near 89% across 131 homes, inventory is thin and comes to market episodically. The recent closing window is small, so a single well- or poorly-priced sale can move the perceived comps. That argues for patience and for leaning on current, like-for-like comparisons instead of headline averages.

“

The location and the amenities are priced into every listing in Cardinal Oaks Cove. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
7.1B · Buy Score
Recent Direction5.2/10
Owner Commitment8.9/10
Pricing Power7.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.1). Basis: Recent Direction -3.4% year-over-year; Owner Commitment 89% owner-occupied; Pricing Power 95.8% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a small, low-turnover community with a wide range of build years, the number that matters is the comp that actually matches your house's condition and era, not the neighborhood median. We price and negotiate off that, track the limited flow of listings so you are not guessing, and tell you plainly when a specific home's updating does or does not justify its ask.

Cardinal Oaks Cove in 15 seconds.

Best forBuyers who want an established, larger Lake Mary home and will judge each house on its condition.
Biggest advantageHigh owner-occupancy and a mixed-vintage stock on established lots.
Biggest riskThe median is down 3.7% year-over-year, so recent comps matter more than last year's.
Sweet spotAn updated home at or near the $650,000 median with sound mechanicals.
Avoid ifYou need uniform, new-build product or a fast, high-volume market.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Cardinal Oaks Cove homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Cardinal Oaks Cove.
In short
  • HOA status not on record. Verify any dues before you offer
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cardinal Oaks Cove sales matched to your home.

What is your Cardinal Oaks Cove home worth?

Get a no-obligation home value based on real comparable sales in Cardinal Oaks Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not an automated estimate.

Frequently Asked Questions

What is the median home price in Cardinal Oaks Cove?
The median sale price in Cardinal Oaks Cove was $647K over the 12 months ending September 20, 2026 (4 closed sales, Stellar MLS).
How long do homes in Cardinal Oaks Cove take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 26 days on market (4 sales, Stellar MLS).
How many homes are in Cardinal Oaks Cove?
The Florida DOR 2025 assessment roll shows 131 homes plus 1 vacant residential lots in Cardinal Oaks Cove (public records).
What share of Cardinal Oaks Cove is owner-occupied?
89% of Cardinal Oaks Cove parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Cardinal Oaks Cove built?
Homes in Cardinal Oaks Cove were built between 1961 and 2020, with a median year built of 1988 (FL DOR 2025 roll).
Who is the best real estate agent for Cardinal Oaks Cove?
The best agent for Cardinal Oaks Cove is one who actively works Lake Mary and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cardinal Oaks Cove.
How do I find a top Lake Mary real estate agent who knows Cardinal Oaks Cove?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cardinal Oaks Cove and the wider Lake Mary area.
Can Momentum Realty connect me with an agent for Cardinal Oaks Cove?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cardinal Oaks Cove purchase or sale - no call center and no pressure.
Where is Cardinal Oaks Cove, and what county is it in?
Cardinal Oaks Cove is in Lake Mary, Seminole County, FL, ZIP 32746. The community's center is about 2 miles east of the center of Lake Mary (straight-line).
Buyers around the mid-$600s who want roughly 2,500-plus square feet and will inspect condition closelyExcellent fit
Owner-occupants planning to stay a while and comfortable in a low-turnover, established settingExcellent fit
Value-minded buyers willing to take on an older, less-updated home and renovate to their own standardExcellent fit
Buyers who require new construction or a single consistent build eraProbably not
Investors wanting quick flips or high transaction volume in a thin, owner-heavy marketProbably not
Anyone needing certainty that values will rise near-term, given the recent year-over-year declineProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 1, 2026)
Community market statsStellar MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (5 streets, ZIP 32746))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2005 (44 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

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More on Cardinal Oaks Cove

Thinking of selling in Cardinal Oaks Cove? 4 recorded closings; median 26 days on market (window ending 2026-09-20). See the Seminole County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

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Explore more neighborhoods near Cardinal Oaks Cove with Momentum Realty’s local guides.

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