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$820,000

400 Pine Tree RoadLake Mary, FL 32746

Listing updated: October 7, 2026 at 12:46 AM ET

Active

Listing courtesy of Charles Rutenberg Realty Orlando · Chuck Ferdinandsen · MLS #O6443120 · Active · 407-622-2122

Beds

Baths

3,475

Sq Ft

0.43

Acres

1987

Built

◆Private pool◆Fireplace◆$236/sqft

Single Family Residence

Property type

1987

Year built

18,680 sqft

Lot size

$236

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Welcome to the highly desirable Cardinal Oaks Cove, one of Lake Mary’s hidden gems-with no HOA. Offering 5 bedrooms, 4 bathrooms, and 3,475 square feet, this spacious home is designed for comfortable living and entertaining. The kitchen features an island and opens to the great room, where a fireplace and direct pool access create a welcoming gathering space. Formal living and dining rooms provide additional room to entertain. Just off the kitchen, the indoor laundry room includes built-in cabinets. Enjoy a sparkling enclosed pool and an approximately 400 square foot covered lanai featuring a custom-built bar and mini fridge, surrounded by lush landscaping for added privacy. The oversized garage also features custom storage cabinets. The main-floor primary suite includes an ensuite bath with a walk-in closet, walk-in shower, double vanities and a private water closet. Upstairs are four additional bedrooms, two bathrooms and a spacious loft with a custom-built bookcase. One of the bathrooms is a Jack-and-Jill. One bedroom also features custom-built drawers and additional storage. Located in the heart of Lake Mary, this home is just minutes from fine dining, shopping and major highways-offering easy access to everything Central Florida has to offer. Some pictures are VIRTUALLY STAGED.

Estimated monthly payment

Principal & interest$4,146

Property taxes$351

Home insurance (est.)$376

Down payment

20%

$164,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history0 days on market

Status: Active
Oct 7, 2026
Listed$820,000
Oct 7, 2026
Price increased$820,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: Cardinal Oaks Cove
County: Seminole
Year built: 1987
Living area: 3,475 sq ft
Price/sq ft: $236
Building area: 4,531 sq ft (Public Records)
Lot size: 18,680 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: X (12117C0070F)
Garage: 2 spaces
Pool: Private pool
Annual taxes: $4,217 (2025)
Parcel #: 15-20-30-502-0000-0770
Zoning: R-1AA
MLS #: O6443120

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Interior Details

Bedrooms: 5
Full bathrooms: 3
Half bathrooms: 1
Flooring: Carpet, Hardwood, Tile
Appliances: Bar Fridge, Dishwasher, Microwave, Range, Refrigerator
Interior features: Built-in Features, Ceiling Fans(s), Primary Bedroom Main Floor, Thermostat, Walk-In Closet(s), Window Treatments
Laundry: Electric Dryer Hookup, Inside, Laundry Room
Stories / Levels: Two
Direction faces: Southwest
Fireplace: Yes

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: No
Parking features: Driveway, Garage Door Opener, Garage Faces Side

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Verify Leasing restrictions with Seminole County

Exterior & Construction

Exterior features: Private Mailbox, Sidewalk
Construction materials: Stucco
Roof: Metal
Foundation: Slab
Pool: Private pool
Road surface: Asphalt

Utilities

Sewer: Septic Tank
Water source: None
Utilities: Cable Available, Electricity Connected, Water Connected

Community

Pets allowed: Yes

Schools

ElementaryBLake Mary ElementaryGreatSchools ↗

MiddleAGreenwood Lakes MiddleGreatSchools ↗

High SchoolBLake Mary HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Kitchen	First	17.5x15.5
Great Room	First	27.6x16.5
Dining Room	First	11.2x12.8
Primary Bedroom	First	16x16.4
Primary Bathroom	First
Living Room	First	16x12.3
Bathroom 2	First
Balcony/Porch/Lanai	First	44x9.5
Loft	Second
Bedroom 2	Second
Bathroom 3	Second
Bedroom 4	Second
Bedroom 5	Second
Bathroom 3	Second
Bathroom 4	Second

Listing Details

Listing date: 2026-10-07
On market date: 2026-10-07
Original list price: $820,000
Occupant type: Vacant
MLS area: 32746 - Lake Mary / Heathrow
Listing AOR: Orlando Regional
Status changed: 2026-10-07
Tax legal description: LOT 77 CARDINAL OAKS COVE PB 35 PGS 17 & 18

Flood risk

Minimal riskFEMA Zone XPanel 12117C0070F

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

I-4 exit on Lake Mary Blvd and go east, Right on Country Club Rd, Left on Evansdale Rd...continue to Pine Tree Rd and house is on the left

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IDX 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.

Based on information submitted to the MLS GRID as of October 7, 2026 at 12:46 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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