Cardinal Oaks
Homes for Sale in Lake Mary, FL
True comps, carrying-cost math, and listings before the portals.
Homes listed or recently sold were built 1983–1986. As of September 2026, the MLS records 23 closed sales in Cardinal Oaks in Lake Mary, FL since 2014, the most recent in April 2026. Across Lake Mary as a whole, 400 homes closed in the last 12 months at a median of $426,000, 32 median days on market, with 67 homes for sale today. At that median and Seminole County's FY2025-26 rate of 15.18 mills, annual property tax runs about $6,470 ($5,870 with the full homestead exemption).
Cardinal Oaks is an established Lake Mary pocket of roughly 90 homes, with a build range spanning 1980 to 2024 and a median vintage around 1984. That mix tells the real story: this is an older core with a handful of newer or rebuilt homes, so price here is driven less by any list-price band and more by condition and how much updating a given house has absorbed. Two homes updated to different standards can sit far apart in value, and the median living area near 2,400 square feet gives you room to work with either way.
With a homestead share around 84%, most of these homes are owner-occupied rather than turned over as rentals, which tends to keep inventory tight and slow-moving. For a seller, that means condition and presentation carry the negotiation; for a buyer, it means you should underwrite each home on its own updates and mechanicals, not on a neighborhood average. We only have a narrow two-closing window in this snapshot, so treat pricing here as thin and case-by-case rather than settled.
The 60-Second Overview
A small, largely owner-held Lake Mary neighborhood in Seminole County where the homes range from early-1980s originals to recent builds, so what you pay tracks the individual house far more than any single price band.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cardinal Oaks is best for.
Best for
- Long-hold buyers who want a mature, spacious single-family home and intend to stay put
- Buyers comfortable pricing a renovation and updating systems on older construction
- Anyone prioritizing an established Lake Mary location over a large menu of active listings
Probably not for
- Buyers who need a broad selection and frequent turnover to choose from
- Short-horizon owners counting on a fast, comp-supported resale
- Investors seeking rental-heavy inventory rather than an owner-occupied street
The market around Cardinal Oaks
Cardinal Oaks is a small community — 11 recorded sales on file, most recently in 2025 — too few for its own price trend. Here is the market around it.
Across Seminole County, 1,538 homes are active and 629 pending (29% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Cardinal Oaks specifically. Momentum Research analysis of MLS records.
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 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. 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, tiles © CARTO.
Schools
- Seminole County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- 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.
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.
An older core with newer outliers
The defining feature of Cardinal Oaks is its age spread. A median build year around 1984 across a range that reaches to 2024 means most homes are mature construction with a few substantially newer additions. Practically, that puts roofs, HVAC, plumbing, and electrical squarely on the inspection agenda for the older stock, and it rewards buyers who can read the difference between a cosmetically refreshed home and one that has had its systems addressed.
The median living area of roughly 2,393 square feet points to genuine single-family space rather than starter footprints. Combine that with a high homestead share and a small overall count, and you get a neighborhood that trades infrequently and on the specifics of each listing. Comparable sales will be sparse, so both sides should expect valuation to lean on condition, square footage, and lot particulars rather than a deep run of recent closings.
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.
Why work with Momentum here
In a neighborhood this small and this thinly traded, generic comps do more harm than good. We price and negotiate off the actual condition and systems of the specific home, flag the older-stock maintenance items before they become renegotiation surprises, and set expectations for a market where houses can sit until the right buyer surfaces. That is the honest work here, and it is what we do.
Cardinal Oaks in 15 seconds.
HOA, CDD & Fees
- 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.
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.
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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 (2026-09-12).
Cardinal Oaks Market Scorecard
Cardinal Oaks is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32746 ZIP is $470,893, about 15.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
How many homes are in Cardinal Oaks?
What share of Cardinal Oaks is owner-occupied?
When were the homes in Cardinal Oaks built?
Do cash buyers compete in Cardinal Oaks?
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?
Should you buy in Cardinal Oaks?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cardinal Oaks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32746)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2014 (23 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?
You just read the data. Now see what your home is worth.
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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