3295 Safe Harbor Ln, photo 1
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Overview

5 bd4 ba3,540 sqft3 car garageSingle Family
TypeSingle Family
HOA$300/qtr
Built2002
Lot12,056 sqft
Living area3,540 sqft
Price / sqft$185
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorPrimarybedroom UpstairsThermostatWalk-in Closet(s)Window TreatmentsSidewalk

3295 Safe Harbor Ln is a 2002-built home in The Cove, Lake Mary. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,540 square feet of living space. Listed at $654,900 (about $185/sqft), 96 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $300 quarterly.

From the listing

Welcome to this spacious, one-owner home located in the highly desirable gated community of The Cove in Lake Mary. Lovingly maintained and smoke-free, this impressive two-story residence offers 5 bedrooms, 4 full bathrooms, and the perfect blend of luxury, comfort, and everyday convenience. Situated on a generously sized lot with no rear-facing neighbors, the expansive backyard provides plenty of space for children to play, outdoor entertaining, or future backyard enhancements. The thoughtfully designed floor plan welcomes you with a grand foyer that opens to elegant formal living and dining areas, a spacious family room, and a versatile bonus room ideal for a home office or study. The first-floor primary suite offers privacy and convenience, while a full guest bathroom and dedicated laundry room complete the main level. Upstairs, you'll find a second primary suite with its own private bath, generously sized secondary bedrooms, and a spacious activity room perfect for a media room, playroom, or additional living space. Recent updates provide peace of mind, including a new HVAC system installed in 2025 and a new roof installed in 2021. A spacious three-car garage offers abundant parking and storage. Ideally located near top-rated Seminole County schools, this home is just minutes from SR 417, providing easy access to Orlando Sanford International Airport and the greater Orlando area. Enjoy the convenience of being within walking distance to SunRail, shopping, dining, and everyday amenities. This exceptional home combines space, location, and value in one outstanding package. Don't miss this opportunity—call or text today to schedule your private showing before it's gone!

The essentials

Built
2002
Price / sqft
$185
On market
96 days
Annual tax
$8,148
HOA
$300/qtr
Flood zone
X · Low risk
Lot
12,056 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
3 car garage
Garage Door Opener
0.28 acres
Lot size
3,540 sqft
Living area

Payment

Est. monthly payment
$4,522/mo
Down payment (20%)
$130,980
Property taxes
$679/mo
HOA
$300/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
12,056 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Days on Market
96
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Primarybedroom Upstairs
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Deed Restrictions
Dishwasher
Microwave
Range
Refrigerator
Elementary
Wicklow Elementary
Middle
Millennium Middle
High
Seminole High

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

Flood Zone X
Annual Tax (2025)
$8,148
Parcel #
03-20-30-5PJ-0000-0040

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
The Cove
County
Seminole
MLS Area
32746 - Lake Mary / Heathrow
Lot Size
12,056 sqft
LevelPaved
HOA
$300/qtr
Joe Paladino

Price history

Date
Event
Price
8/9/2026
Price change
Source: Stellar MLS #O6422539
$654,900-3.0%
$185/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #O6422539
$675,000
$191/sqft

Neighborhood

3295 Safe Harbor Ln
Lake Mary, FL, 32746 · 32746 - Lake Mary / Heathrow

Market insights

Offer Insights

Choose an offer strength

List price: $654,900
$650,000 – $654,900
99.1% – 100% of listTops out right at the list price
80% of listList price
104 of the last 207 home closings in 32746 landed at this number or higher (50%). The median one sat 21 days before it went under contract, and this one is on day 96 after a $20,100 cut.

Sample: 207 closed home sales in 32746 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,522/mo
Principal & interest$3,416
Property taxes$679
Insurance$327
HOA$100
Down payment20% · $130,980
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

$654,900

$185 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,540 sq ft

Time on market

96 days

Year built

2002

Monthly payment

About $4,522/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,148 annual tax bill, insurance, and the $300/qtr HOA fee.

HOA fee

$300/qtr

Managed by Joe Paladino.

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 byTHOMAS LYNNE REALTY GROUP LLCListing agent: Jeffrey BauerListing data from Stellar MLS, MLS# O6422539.

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