1162 Carmel Cir #440, photo 1
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Overview

2 bd2 ba1,137 sqftCondominium
TypeCondominium
HOA$741.28/mo
Built1984
Lot334 sqft
Living area1,137 sqft
Price / sqft$207

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About this home

Eat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)Window TreatmentsBalcony

1162 Carmel Cir #440 is a 1984-built home in Carmel By The Lake Unit 1 A Condo, Casselberry. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,137 square feet of living space. Listed at $235,000 (about $207/sqft), 163 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $741.28 monthly.

From the listing

Come live the resort lifestyle with carefree maintenance in the beautiful and gated Carmel by the Lake community on 400 acre Lake Howell. This furnished 2 bed, 2 bath; 4th-floor condo, with elevators, is all on one level and offers serene views of towering oak trees, and the shady walking paths around the lovely grounds leading to Lake Howell (a large ski lake). Stepping into this lovely home, you’ll immediately notice the light and bright spacious eat-in kitchen with pass-through to the dining and living room. You won’t be able to draw your eyes from the oversized glass sliders to the covered screened lanai that faces east. Enjoy your morning coffee with peaceful views of the sunrise on your own private back porch. The large master bedroom offers views of sunrises and majestic trees, a master bath with double sinks, walk-in closet and large shower. This split plan has an inside Laundry, hall bath and a 2nd bedroom in front. Other extras include a designated covered parking spot and storage assigned to unit, newer appliances, and private community boat ramp on Lake Howell to spend hours of fun on the water. This location is prime as you are just minutes away from many shopping options, restaurants, UCF, beaches, only 35 minutes to Disney, Orlando International airport, Sanford airport and close to Winter Park or Altamonte train services and major roadways for an easy commute to all that Central Florida has to offer. All this and zoned for Seminole County schools. Carmel by the Lake is like living in your own private gated resort with community pool, hot tub, tennis/pickle ball court, racketball, clubhouse, boat ramp, fishing pier and lakeside walking paths. The monthly HOA is very comprehensive and offers a lot: high-speed internet, cable with over 200 channels, water, sewer, trash, grounds upkeep, building exterior maintenance and community maintenance. Don't miss out on this gem, schedule your private tour today! Property may be under video/audio surveillance.

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The essentials

Built
1984
Price / sqft
$207
On market
163 days
Annual tax
$2,934
HOA
$741.28/mo
Flood zone
X · Low risk
Lot
334 sqft
Type
Condominium

At a glance

Condo
4 stories · 1984
Community pool
Shared amenity
Private balcony
Outdoor space
1,137 sqft
Living area

Payment

Est. monthly payment
$2,329/mo
Down payment (20%)
$47,000
Property taxes
$245/mo
HOA
$741.28/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1984
Lot
334 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
163
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Balcony
Sidewalk
Storage
Tennis Court(s)
Association Recreation - Owned
Clubhouse
Community Mailbox
Gated Community - No Guard
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Sterling Park Elementary
Middle
South Seminole Middle
High
Lake Howell High

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

Flood Zone X
Annual Tax (2024)
$2,934
Parcel #
28-21-30-515-0000-4450

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
Carmel By The Lake Unit 1 A Condo
County
Seminole
MLS Area
32707 - Casselberry
Lot Size
334 sqft
HOA
$741.28/mo
Andrea Swetnam

Price history

Date
Event
Price
5/9/2026
Listed for sale
Source: Stellar MLS #O6406222
$235,000
$207/sqft

Neighborhood

1162 Carmel Cir #440
Casselberry, FL, 32707 · 32707 - Casselberry

Market insights

Offer Insights

Choose an offer strength

List price: $235,000
$232,500 – $235,000
99.4% – 100% of listTops out right at the list price
80% of listList price
16 of the last 30 condo closings in 32707 landed at this number or higher (53%). The median one sat 58 days before it went under contract, and this one is on day 163.

Sample: 30 closed condo sales in 32707 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,329/mo
Principal & interest$1,226
Property taxes$245
Insurance$118
HOA$741
Down payment20% · $47,000
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 includes any condo dues 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

$235,000

$207 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,137 sq ft

Time on market

163 days

Year built

1984

Monthly payment

About $2,329/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,934 annual tax bill, insurance, and the $741.28/mo HOA fee.

HOA fee

$741.28/mo

Managed by Andrea Swetnam.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: John HerndonListing data from Stellar MLS, MLS# O6406222.

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