Single Family Residence in COUNTRY CLUB OAKS, LAKE MARY · No CDD
COUNTRY CLUB OAKS · LAKE MARY, FL 32746 · Seminole
Listing data updated August 23, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,162Sq Ft
1990Year Built
$231Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
7% below
$/sq ft vs community
$231 here vs $248 median sold (12 mo)
Buyer leverage
Strong buyer advantage
142 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~49 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 1
Price vs recent sales
Asking $499k is at or below all 1 recent closed sales
Listed at $499,000 — recent neighborhood median sale price ~$540,000 (nearby sales; deemed reliable, not an appraisal)
142 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · COUNTRY CLUB OAKS
Pricing & the COUNTRY CLUB OAKS market
How this home is priced against recent nearby sales, and where COUNTRY CLUB OAKS has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2015–2017. This home lists at $231/sq ft.
Median sale price by year
12-month median closed price, 2015–2017.
Property timeline
This home’s history
1990BuiltPer public record
Jul 10, 2026First trackedObserved at $499,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,311/mo
Principal & interest $2,568/mo78%
Taxes $437/mo13%
Insurance $257/mo8%
HOA $50/mo2%
$3,311/mo at 20% down, 30-yr @ 6.67% · edit any field to update.
Estimated from today’s asking price and current Seminole County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,525/yr ($544/mo)
+$300 more each year
(+5%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
62/100
Strongest on: Flood safety (95), Price vs area (67)
0 limited50100 exceptional
62/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area67
This home $231/sq ft vs the community 12-month median $248/sq ft.
Affordability63
List price $499,000 vs the community median $540,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~49 ft elevation. Verify the parcel with FEMA.
Insurance cost62
From FEMA Zone X and a 1990 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~24.0 months of supply (12-month record).
Renovation upside61
From a 1990 build and $231/sq ft vs the community median $248/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 142 days on market for this home, against a 142-day area median.Days on market:this home 142Area median: 142 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2025. As of August 2, 2026.
🟡 Asking $231 per square foot, about 7% below the community’s $248 median. COUNTRY CLUB OAKS’s 12-month median sold price per square foot is $248. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
86% of homes in COUNTRY CLUB OAKS are owner-occupied. An estimated 14% are non-owner-occupied, including 2% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 57 homes matched. Community-level context.
What’s unique here: a golf-course community, one of only 2 active listings in COUNTRY CLUB OAKS, no CDD assessment.
Updated August 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. Priced to allow for updates, this is a rare opportunity to customize a home in one of Lake Mary’s most established and desirable neighborhoods just minutes from downtown Lake Mary and major commuter routes. This spacious 4-bedroom, 2-bath home offers a functional split, open floor plan with generous living areas and wonderful potential to make it your own.
Highlights include no rear neighbors, a large screened patio and outdoor deck for entertaining, HVAC installed in 2020, water heater replaced in 2022, and a recent 4-point inspection upon request for serious buyer inquiries. Enjoy Florida living on the screened patio and expansive outdoor deck, perfect for relaxing or entertaining while overlooking the private backyard. The location is exceptional.
Just a short walk away is the Lake Mary Tennis Center featuring seven Har-Tru clay courts, along with the nearby Lake Mary Sports Complex offering little league baseball and softball fields, an 8,000-square-foot lighted skate park, playground, splash pad, and covered pavilion. Downtown Lake Mary is only one mile away, where you can enjoy local restaurants, boutique shopping, the popular weekend farmers market, and a new pickleball facility. For commuters, the home is ideally situated less than two miles from the intersection of I-4, SR-417, and SR-429, providing convenient access throughout Central Florida, Orlando, the theme parks, and the beaches.
Opportunities to purchase in Country Club Oaks are limited, making this a great chance to create your own vision in one of Lake Mary’s most desirable neighborhoods.
Description provided by APERTURE GLOBAL REAL ESTATE and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$499,000
Bed / bath4 / 2
Living area2,162 sq ft
Year built1990
Property typeSingle Family Residence
Garage2-car
MLS #O6387332
Listing status142 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~49 ft
Windstorm exposureLow
CountySeminole
Area listings2 active · 0 under contract
Estimated first-year tax~$5,240/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$231
Estimated monthly payment$3,311
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$540,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of APERTURE GLOBAL REAL ESTATE · Listing agent: Cynde Velez · 888-903-9611Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$471,316the mess$601,036
Actual list price: $499,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈24.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $499,000 ($231/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,162 sq ft × $218–$278/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 23, 2026.
Keep looking
Similar homes for sale near COUNTRY CLUB OAKS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $499,000Momentum Realty · on market 142 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,240/yr
A rough first-year estimate only, applying a typical Seminole rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~49 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in COUNTRY CLUB OAKS
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the COUNTRY CLUB OAKS neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$540,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$248
Canonical 12-month median $/sq ft. Reference only.
Go deeper on COUNTRY CLUB OAKS
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Retail Dining
Seminole Towne Center set for 700 million dollar redevelopment with Costco
Ardent Companies is redeveloping the Seminole Towne Center in Sanford in a project valued around 700 million dollars, described as the largest commercial redevelopment in Seminole County history. Plans include the largest Costco in Central Florida at over 156,000 square feet, about 300 apartments, and new retail. Demolition was scheduled for July 2026 with the Costco expected to open in early 2027.
Why it matters: Converts a long dormant mall site into a mixed use center anchored by a large format Costco, new retail, and about 300 apartments, reshaping a major Seminole County commercial node. The project is about 18 miles north of Country Club Oaks, elsewhere in Seminole County.
Mixed-use high-rise redesigned for 924 and 934 North Magnolia Avenue
A redesigned 17-story mixed-use high-rise was proposed for 924 and 934 North Magnolia Avenue in Orlando's North Quarter district by Acram Group. The project would include 350 residential units, about 3,300 square feet of ground-floor commercial space, and a parking garage with 510 spaces, replacing two 1972 office buildings. A public plaza is planned at the corner of Magnolia and Weber Street.
Why it matters: Would replace two aging office buildings with 350 residences, ground floor retail, and structured parking, adding housing density and a public plaza along the Orlando Urban Trail. The site is about 1 mile east of Country Club Oaks.
Planning board approves zoning for 37-story tower at 170 East Washington Street
Orlando's Municipal Planning Board voted to approve a Planned Development amendment for a 37-story, 425-foot mixed-use tower at 170 East Washington Street across from Lake Eola Park. The project would include 252 residential units, a 221-room hotel, a three-story restaurant, and structured parking. It still requires City Council consideration before construction.
Why it matters: Would add a 37 story tower with 252 residences and a hotel to the downtown skyline, replacing a prior approval for a 7 story hotel and increasing high density housing and parking supply. The site is about 2 miles southeast of Country Club Oaks.
Schools currently assigned to this address in Seminole County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Seminole County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Sep 2025
$540,000
148 OAK VIEW CIRCLE, LAKE MARY
3 / 2 bd/ba · 2,181 sq ft · $248/sq ft
Courtesy of PREMIER SOTHEBYS INT'L REALTY · View details →
Community 12-month median: $248/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,287 – $3,327/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,093 – −$157At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
LAKE MARY
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: August 23, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 108 OAK VIEW CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
