Reserve at Loch Lake
Homes for Sale in Sanford, FL
All 459 homes for sale in Sanford, FL · median $369,900 · 86 townhomes for sale in Sanford · 133 homes for sale in 32773 · Seminole County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of November 2026, Reserve At Loch Lake Sanford in Sanford, FL has 3 homes for sale. Over the 12 months ending 2026-11-13, 3 recorded sales closed at a median of $297,000, $197 per square foot, a median 22 days on market, sellers accepting 100% of original asking. Homes listed or recently sold were built 2012 - 2014; 12 of 12 report an HOA (median $262/mo); none of the 11 geocoded homes sit in a FEMA special flood hazard zone (median elevation 51 ft). At the median price and Seminole County's FY2025-26 rate of 15.18 mills, annual property tax runs about $4,510 ($3,910 with the full homestead exemption).
Last 30 days in Reserve at Loch Lake: 1 new listing (median asking $320,000). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Reserve at Loch Lake
Live MLS inventory for Reserve at Loch Lake. 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 Reserve at Loch Lake listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Reserve at Loch Lake is a small, gated community of roughly 80 homes built in a tight 2012 - 2014 window, so you're looking at a consistent early-2010s product rather than a mix of eras. With a median living area near 1,650 square feet and a median price of $290,000, condition and interior updates do most of the work setting one home apart from the next. The median runs about $188 per square foot, and because the floor plans are similar in age and size, the spread you see tends to track upkeep and finishes more than square footage.
The posture here leans toward sellers: 2.7 months of supply, a median of 34 days on market, and only a couple of active listings at a time. That thin inventory means a well-prepared home can move, but the year-over-year median is down 9.6%, so this is not a market where sellers can lean on momentum. Price to the current comps, not last year's. For buyers, the small size means you may wait for the right listing rather than choosing from several.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Reserve at Loch Lake right now
🟡 Balanced market. 2.7 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (2 active and pending listings, 7 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($290K) is down 9.6% from the prior 12 months ($321K). With about 4 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 (7 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
The 60-Second Overview
Reserve at Loch Lake market snapshot (as of September 20, 2026): the median sale price is about $290K ($188 per sq ft over the trailing 12 months of closed sales), a median 34 days on market for closed sales, and 2.7 months of supply, a balanced market. The trailing-12-month median is down 10% from the prior 12 months, computed from record-level Stellar MLS closed sales (7 closings in the current window).
In ZIP 32773 (Sanford), 118 homes closed in the last 12 months at a median of $350K ($224/sq ft), down 7.1% year over year, with a median 38 days on market. Right now 16 active and 3 pending listings put supply at about 1.6 months - a healthy market. See the live ZIP 32773 housing market and the Seminole County market.
County records show 5 qualified sales in Reserve At Loch Lake across 2024 - 2025 (2 in 2024, 3 in 2025), median $320,900 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Reserve at Loch Lake: of 11 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Sanford.
Reserve at Loch Lake is a community of 80 homes in Sanford, Seminole County, built between 2012 and 2014 (median 2013), with a median living area of about 1,648 square feet. 50% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A compact, deed-restricted gated community in Sanford's slice of Seminole County, built out in the early 2010s with uniform floor plans in the 1,600-square-foot range. The amenity set is modest but functional: a pool, a playground, and gated access without a guard.
The setting & the homes.
Aerial and on-site photos of Reserve at Loch Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Reserve at Loch LakePhotos from Stellar MLS listings in Reserve at Loch Lake; content deemed reliable but not guaranteed.
Who Reserve at Loch Lake is best for.
Best for
- Buying a consistent early-2010s floor plan where condition, not era, drives value
- Seeking a gated, deed-restricted setting with a pool and playground
- Willing to wait for the right listing in a community that rarely has more than a couple active
Probably not for
- Needing a wide range of homes or sizes to choose from at any given time
- Wanting extensive resort-style amenities or guarded entry
- Expecting recent price momentum to carry a resale in the near term
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 ($290K) IS the median in the snapshot above, and the move from 2025 ($321K) IS the -9.6% one-year change.
Windows contain 0 to 10 sales each (7 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 2014 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.
18% of homes for sale in ZIP 32773 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).
RESERVE AT LOCH LAKE Market Scorecard
RESERVE AT LOCH LAKE is currently a balanced market. About 4.0 months of supply, a median asking price of $320,000, and homes go under contract in about 100 days.
Typical home value in the 32773 ZIP is $309,789, about 7.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Reserve at Loch Lake 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.
Life at Reserve at Loch Lake
- Pool · reported on 10 of 10 listings
- Gated Community - No Guard · reported on 8 of 10 listings
- Community Mailbox · reported on 5 of 10 listings
- Playground · reported on 4 of 10 listings
- Deed Restrictions · reported on 2 of 10 listings
- Gated Community · reported on 1 of 10 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Seminole County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Wicklow Elementary · Elementary
- Greenwood Lakes Middle · Middle
- Lake Mary High · High
Zoned schools reflect the assignments reported on recent Reserve at Loch Lake 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 Reserve at Loch Lake address.
Shop the zone: Homes zoned for Lake Mary High High School
The Reserve at Loch Lake buying strategy.
If we were buying in Reserve at Loch Lake 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 Reserve at Loch Lake.
A small, uniform enclave where condition is the lever
Because the homes were built within a two-year span and cluster around one size, this is a market where differentiation comes from the inside. Updated kitchens, flooring, and systems are what separate a listing that sells near median from one that sits. The $290,000 median and $188-per-square-foot figures are useful anchors, but treat them as starting points to adjust against a specific home's condition rather than a fixed value.
The amenities are reported across MLS listings and include a pool, playground, community mailbox, and gated entry with no guard, all under deed restrictions. Confirm current access, fees, and rules directly with the HOA before you write an offer, since those terms shape both carrying cost and resale. Homestead share sits at half the community, which is worth knowing when you compare tax lines between homes.
The location and the amenities are priced into every listing in Reserve at Loch Lake. 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 Reserve at Loch Lake 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 4 factors (6.1). Basis: Recent Direction -9.6% year-over-year; Liquidity & Demand 2.7 months of supply; Owner Commitment 50% owner-occupied; Pricing Power 97.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, with only a handful of homes trading and inventory this thin, the right read on condition and current comps is everything. We track what actually closes in Reserve at Loch Lake, help sellers price against today's market instead of last year's, and help buyers decide when to wait for the right listing versus move on one that's correctly priced. We'll also point you to the HOA specifics so there are no surprises after close.
Reserve at Loch Lake in 15 seconds.
Tools for a Reserve at Loch Lake 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 Reserve at Loch Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Reserve at Loch Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Reserve at Loch Lake home worth?
Get a no-obligation home value based on real comparable sales in Reserve at Loch Lake, 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 Sanford →
| Location | Sanford, Seminole County, FL · ZIP 32773 |
|---|---|
| Homes in the community | 80 (FL DOR 2025 assessment roll) |
| Years built | 2012–2014 (median 2013) |
| Typical living area | 1,648 sq ft (median) |
| Home types (current listings and sales) | townhouses 100% |
| Amenities listed by sellers | Pool, Gated Community - No Guard, Gated Community, Community Mailbox, Gated, Playground |
| Sale prices, last 12 months | $297,000 median across 3 closed sales · $197 per sq ft |
| Days on market (closed sales) | 22 median |
| For sale right now | 3 active, 0 pending · median asking $320,000 · 4.0 months of supply |
| Owner-occupied (homestead) share | 50% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2020 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Reserve at Loch Lake key facts,” movewithmomentum.com/neighborhoods/reserve-at-loch-lake-sanford, data as of November 13, 2026.
Housing distress & ownership in Reserve At Loch Lake Sanford, Sanford
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
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 October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Reserve at Loch Lake
The newest homes for sale in Reserve at Loch Lake right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 2109 Victoria Glen Drive $320,000 · 3 bd · 2.5 ba · 1,648 sq ft · listed Oct 24, 2026 Courtesy of WEMERT GROUP REALTY LLC
- 2257 Brookridge Trail $280,000 · 3 bd · 2.5 ba · 1,363 sq ft · listed Aug 5, 2026 Courtesy of EMPIRE NETWORK REALTY
- 3026 Victoria Glen Drive $325,000 · 3 bd · 2.5 ba · 1,638 sq ft · listed Dec 1, 2025 Courtesy of CARTER DEAN REALTY LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Reserve At Loch Lake Sanford Right Now (3)
All 3 active and pending Reserve At Loch Lake Sanford listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2109 Victoria Glen Drive · $320,000 · 3 bd / 2.5 ba · listed Oct 23, 2026 · listed by Wemert Group Realty Llc
- 2257 Brookridge Trail · $280,000 · 3 bd / 2.5 ba · listed Aug 29, 2026 · listed by Empire Network Realty
- 3026 Victoria Glen Drive · $325,000 · 3 bd / 2.5 ba · listed Aug 15, 2026 · listed by Carter Dean Realty Llc
More Sanford home searches
- All homes for sale in Sanford, FL
- Homes for sale in Seminole County, FL
- Gated communities in Sanford
- Homes under $300K in Sanford
- Sanford home values: what is my house worth?
- ZIP 32773 housing scorecard
Sanford guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Seminole County)
- Homestead exemption (Seminole County)
- Home insurance cost
- New construction
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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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Brookridge Trail (30 homes on record)
Email me new listings in Reserve at Loch Lake
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Reserve at Loch Lake
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Reserve at Loch Lake will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Reserve at Loch Lake
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $262/month across 12 MLS listings (most billed monthly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Seminole County is $1,572/yr (1,203 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 11 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2013 across 12 listings. An original roof here is about 13 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Frequently Asked Questions
What is the median home price in Reserve at Loch Lake?
How long do homes in Reserve at Loch Lake take to sell?
Is Reserve at Loch Lake a buyer's or seller's market right now?
How many homes are in Reserve at Loch Lake?
What share of Reserve at Loch Lake is owner-occupied?
When were the homes in Reserve at Loch Lake built?
Who is the best real estate agent for Reserve at Loch Lake?
How do I find a top Sanford real estate agent who knows Reserve at Loch Lake?
Can Momentum Realty connect me with an agent for Reserve at Loch Lake?
Where is Reserve at Loch Lake, and what county is it in?
Is Reserve at Loch Lake in a flood zone?
Should you buy in Reserve at Loch Lake?
An honest fit check. We will tell you when it is not your community.
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 (3 streets, ZIP 32773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (58 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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See how Reserve At Loch Lake Sanford fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Reserve at Loch Lake
- Home values · What homes in Reserve at Loch Lake actually sell for