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Overview

4 bd3 ba2,170 sqft2 car garageSingle Family
TypeSingle Family
HOA$210/yr
Built2001
Lot4,644 sqft
Living area2,170 sqft
Price / sqft$210
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenPrimarybedroom UpstairsSolid Surface CountersVaulted Ceiling(s)Walk-in Closet(s)LightingSidewalk

122 Carmel Bay Dr is a 2001-built home in Monterey Oaks Ph 2 Rep, Sanford. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,170 square feet of living space. Listed at $455,000 (about $210/sqft), 159 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $210 annually.

From the listing

Seller to offer credit of $7500 to buyer. Welcome to this spacious 4-bedroom, 2.5-bathroom, 2,170 sq. ft. two-story home in Monterey Oaks, offering a flexible layout and inviting living spaces throughout. The main level features a formal dining room and a versatile bonus room that can easily function as a 5th bedroom, home office, media room, or additional flex space to fit your needs. The kitchen is designed for both everyday living and entertaining, complete with solid surface countertops, a center island, and stainless steel appliances. It opens seamlessly to the generous living room, creating a comfortable and connected main living area. French doors lead to a screened-in patio, extending the living space outdoors. All bedrooms are located upstairs, providing added privacy from the main living areas. The primary suite offers a spacious retreat with an en suite bathroom featuring two separate showers, including a walk-in shower and a tub/shower combination, along with a large vanity and ample storage. Step outside to the screened lanai overlooking a spacious, fully fenced backyard framed by mature trees, offering a peaceful outdoor setting with room to relax or play. Conveniently located just minutes from theme parks, major shopping destinations, beaches, airports, and major highways, this home provides easy access to a wide range of local attractions and everyday conveniences.

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The essentials

Built
2001
Price / sqft
$210
On market
159 days
Annual tax
$5,657
HOA
$210/yr
Flood zone
X · Low risk
Lot
4,644 sqft
Type
Single Family Residence

At a glance

Single family
Built 2001
2 car garage
Driveway
4,644 sqft lot
Lot size
2,170 sqft
Living area

Payment

Est. monthly payment
$3,089/mo
Down payment (20%)
$91,000
Property taxes
$471/mo
HOA
$210/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2001
Lot
4,644 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
159
Ceiling Fans(s)
Eat-in Kitchen
Primarybedroom Upstairs
Solid Surface Counters
Vaulted Ceiling(s)
Walk-in Closet(s)
Lighting
Sidewalk
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Elementary
Idyllwilde Elementary
Middle
Sanford Middle
High
Seminole High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,657
Parcel #
33-19-30-519-0000-0330

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Monterey Oaks Ph 2 Rep
County
Seminole
MLS Area
32771 - Sanford/Lake Forest
Lot Size
4,644 sqft
HOA
$210/yr
Sentry Management

Price history

Date
Event
Price
9/8/2026
Price change
Source: Stellar MLS #O6402946
$455,000-2.7%
$210/sqft
-
Price change
Source: Stellar MLS #O6402946
$467,500-1.6%
$215/sqft
5/4/2026
Listed for sale
Source: Stellar MLS #O6402946
$475,000
$219/sqft

Neighborhood

122 Carmel Bay Dr
Sanford, FL, 32771 · 32771 - Sanford/Lake Forest

Market insights

Offer Insights

Choose an offer strength

List price: $455,000
$452,500 – $455,000
99.5% – 100% of listTops out right at the list price
80% of listList price
157 of the last 286 home closings in 32771 landed at this number or higher (55%). The median one sat 37 days before it went under contract, and this one is on day 159 after a $20,000 cut.

Sample: 286 closed home sales in 32771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,089/mo
Principal & interest$2,373
Property taxes$471
Insurance$228
HOA$18
Down payment20% · $91,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$455,000

$210 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,170 sq ft

Time on market

159 days

Year built

2001

Monthly payment

About $3,089/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,657 annual tax bill, insurance, and the $210/yr HOA fee.

HOA fee

$210/yr

Managed by Sentry Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byREDFIN CORPORATIONListing agent: David BolletListing data from Stellar MLS, MLS# O6402946.

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