Cardinal Oaks
Homes for Sale in Lake Mary, FL
All 217 homes for sale in Lake Mary, FL · median $499,000 · 183 homes for sale in 32746 · Seminole County homes for sale
True comps, carrying-cost math, and listings before the portals.
Homes listed or recently sold were built 1980 - 1985; 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 54 ft). As of November 2026, the MLS records 2 closed sales in Cardinal Oaks in Lake Mary, FL since 2026, the most recent in September 2026. Across Lake Mary as a whole, 511 homes closed in the last 12 months at a median of $450,000, 32 median days on market, with 182 homes for sale today. At that median and Seminole County's FY2025-26 rate of 15.18 mills, annual property tax runs about $6,830 ($6,230 with the full homestead exemption).
Cardinal Oaks right now
🔴 Off the recent peak. The trailing-12-month median ($499K) is down 28.7% from the prior 12 months ($700K). 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 (5 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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 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.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cardinal Oaks market snapshot (as of September 20, 2026): the median sale price is about $499K ($247 per sq ft over the trailing 12 months of closed sales), and a median 58 days on market for closed sales. The trailing-12-month median is down 29% from the prior 12 months, computed from record-level Stellar MLS closed sales (5 closings in the current window).
In ZIP 32746 (Lake Mary), 294 homes closed in the last 12 months at a median of $422K ($222/sq ft), up 2.0% year over year, with a median 34 days on market. Right now 64 active and 23 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 9 qualified sales in Cardinal Oaks across 2024 - 2025 (6 in 2024, 3 in 2025), median $675,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cardinal Oaks is a community of 165 homes in Lake Mary, Seminole County, built between 1947 and 2024 (median 1984), with a median living area of about 2,270 square feet. 83% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Cardinal Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Cardinal Oaks
Cardinal Oaks
Cardinal Oaks
Cardinal OaksPhotos from Stellar MLS listings in Cardinal Oaks; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($499K) IS the median in the snapshot above, and the move from 2025 ($700K) IS the -28.7% one-year change.
Windows contain 0 to 11 sales each (5 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 2007 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Seminole County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Seminole County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
22% 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 (2026-11-14).
Cardinal Oaks Market Scorecard
Cardinal Oaks is currently a balanced market., and homes go under contract in about 1 days.
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.
Homes For Sale Right Now in Cardinal Oaks
Live MLS inventory for Cardinal Oaks. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cardinal Oaks listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2026. Tap any home to ask about it.
Cardinal Oaks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Seminole County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Lake Mary Elementary · Elementary
- Greenwood Lakes Middle · Middle
- Lake Mary High · High
Zoned schools reflect the assignments reported on recent Cardinal Oaks listings and can change; always confirm with Seminole County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cardinal Oaks address.
Recent Developments in Cardinal Oaks
Development, infrastructure, retail, and school activity affecting Cardinal Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- August 2026Development
Seminole County approves land use change and rezoning for 144,000 sq ft Sanford Commerce Center
The Board of County Commissioners adopted an ordinance changing the future land use and zoning for the roughly 17.23-acre Sanford Commerce Center along Orange Boulevard. The project plans 144,000 square feet of flex space. Conditions include operating hours of 7 a.m. to 7 p.m., enhanced buffering and dumpster and large-vehicle parking requirements.
What it may mean for the marketThe project would add flex industrial and small-business space in the Sanford area, with operating limits meant to manage nearby impacts. The site is about 4 miles north of Cardinal Oaks.
Source: Citizen Portal - July 2026Retail & 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.
What it may mean for the marketConverts 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 5 miles north of Cardinal Oaks, elsewhere in Seminole County.
Source: WFTV
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Cardinal Oaks buying strategy.
If we were buying in Cardinal Oaks today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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.
A closer look at the Cardinal Oaks market
At a median of $247 per square foot, Cardinal Oaks prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 29% year over year. Homes that do trade take a median 58 days on market, useful leverage on any listing that has lingered.
The housing stock is 165 homes built between 1947 and 2024, and 83% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Cardinal Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cardinal Oaks buys, holds, and resells. Momentum Research; not an appraisal.
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 (4.8). Basis: Recent Direction -28.7% year-over-year; Owner Commitment 83% owner-occupied; Pricing Power 94.3% sale-to-list. Refreshed with each data update.
Tools for a Cardinal Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cardinal Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cardinal Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cardinal Oaks home worth?
Get a no-obligation home value based on real comparable sales in Cardinal Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Lake Mary →
| Location | Lake Mary, Seminole County, FL · ZIP 32746 |
|---|---|
| Homes in the community | 165 (FL DOR 2025 assessment roll) |
| Years built | 1947–2024 (median 1984) |
| Typical living area | 2,270 sq ft (median) |
| Sale prices, last 12 months | $499,000 median across 5 closed sales · $247 per sq ft · -28.7% vs the prior 12 months |
| Days on market (closed sales) | 58 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 83% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cardinal Oaks key facts,” movewithmomentum.com/neighborhoods/cardinal-oaks-lake-mary, data as of September 20, 2026.
Every Home for Sale in Cardinal Oaks Right Now (1)
All 1 active and pending Cardinal Oaks listings with a detail page, newest first, refreshed twice a day from the MLS.
- 676 Mourning Dove Circle · $549,000 · 3 bd / 2 ba · pending · listed Oct 29, 2026 · listed by Mark Spain Real Estate
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Lake Mary guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Seminole County)
- Homestead exemption (Seminole County)
- Home insurance cost
- New construction (Seminole County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Ask an agent about Cardinal Oaks
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Frequently Asked Questions
What is the median home price in Cardinal Oaks?
How long do homes in Cardinal Oaks take to sell?
How many homes are in Cardinal Oaks?
What share of Cardinal Oaks is owner-occupied?
When were the homes in Cardinal Oaks built?
Who is the best real estate agent for Cardinal Oaks?
How do I find a top Lake Mary real estate agent who knows Cardinal Oaks?
Can Momentum Realty connect me with an agent for Cardinal Oaks?
Where is Cardinal Oaks, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (9 streets, ZIP 32746)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2007 (53 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.
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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. A Momentum agent can price yours against live local comps.
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See how Cardinal Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cardinal Oaks
- Home values · What homes in Cardinal Oaks actually sell for