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Overview

4 bd3 ba2,158 sqft2 car garageSingle Family
TypeSingle Family
HOA$225/qtr
Built1999
Lot7,200 sqft
Living area2,158 sqft
Price / sqft$297
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanSolid Wood CabinetsSplit Bedroom

1040 Kersfield Cir is a 1999-built home in Heathrow, Lake Mary. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,158 square feet of living space. Listed at $640,000 (about $297/sqft), 60 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $225 quarterly.

From the listing

WELCOME TO HEATHROW WHERE ELEGANCE, PRIVACY & LIFESTYLE COME TOGETHER! Double primary suite and brand new roof in this prestigious manned and gated Heathrow community, this rare and highly desirable cement block constructed home offers the perfect blend of comfort, privacy, quality, and lifestyle in sought after Lake Mary, Florida 32746. Known for A rated schools, thriving technology and finance industries, beautiful parks, and year round recreation, Lake Mary offers upscale suburban living with easy access to Orlando. Double front doors welcome you into a spacious foyer with a formal living room and elegant dining room. Two charming niches with built in bar areas add a distinctive touch and make entertaining effortless. At the heart of the home is an impressive 24' x 21' family room overlooking the 25' x 10' screened in lanai through large sliding glass doors. The open kitchen features genuine maple cabinetry with crown molding, a breakfast bar, and views of the lanai, keeping the chef connected to family and guests. The private primary suite is tucked away at the rear of the home for maximum privacy and restful nights. The luxurious bath features a large soaking tub, oversized walk in shower, private water closet, dual sink vanity, and generous walk in closet. The split bedroom floor plan provides exceptional flexibility with a second ensuite bedroom, ideal for an in law, family member, or guests. Two additional bedrooms share a full bath with direct access to the screened in lanai. An extraordinarily spacious two car garage provides abundant room for vehicles, storage, bikes, and more. A NEW ROOF is scheduled for September 2026. Heathrow offers an exceptional lifestyle right outside your door. Inside the community, Sawyer Park features a clubhouse available for resident gatherings and celebrations, covered pavilions with BBQ grills, playgrounds, soccer fields, and baseball fields. Ride your bike to Heathrow Country Club, with membership options for golf, tennis, pickleball, and social activities. Enjoy the paved and heavily shaded Cross Seminole Trail, stretching approximately 27 miles for biking and walking. Location is another advantage. Orlando Health Lake Mary Hospital & ER is less than ten minutes away, while I 4 is less than five minutes from the home. Just outside the Heathrow gates are renowned shopping, restaurants, reputable hotels, and everyday conveniences. Downtown Orlando is also just minutes away. This is more than a home. It is an opportunity to enjoy exceptional construction, a thoughtfully designed floor plan, wonderful community amenities, and the lifestyle that makes Heathrow and Lake Mary so desirable. Come see this special home and imagine your life here. No overnight parking in the street allowed.

The essentials

Built
1999
Price / sqft
$297
On market
60 days
Annual tax
$6,570
HOA
$225/qtr
Flood zone
X · Low risk
Lot
7,200 sqft
Type
Single Family Residence

At a glance

Single family
Built 1999
2 car garage
Driveway
7,200 sqft lot
Lot size
2,158 sqft
Living area

Payment

Est. monthly payment
$4,281/mo
Down payment (20%)
$128,000
Property taxes
$548/mo
HOA
$225/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1999
Lot
7,200 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
60
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Lighting
Private Mailbox
Sidewalk
Deed Restrictions
Gated Community - Guard
No Truck/Rv/Motorcycle Parking
Park
Playground
Sidewalks
Street Lights
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Heathrow Elementary
Middle
Markham Woods Middle
High
Seminole High

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

Flood Zone X
Annual Tax (2025)
$6,570
Parcel #
01-20-29-512-0000-0300

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
Heathrow
County
Seminole
MLS Area
32746 - Lake Mary / Heathrow
Lot Size
7,200 sqft
ClearedIn CountyPavedPrivate
HOA
$225/qtr
Sentry Management

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #O6432056
$640,000-5.7%
$297/sqft
-
Price change
Source: Stellar MLS #O6432056
$679,000-1.6%
$315/sqft
8/11/2026
Listed for sale
Source: Stellar MLS #O6432056
$690,000
$320/sqft

Neighborhood

1040 Kersfield Cir
Lake Mary, FL, 32746 · 32746 - Lake Mary / Heathrow

Market insights

Offer Insights

Choose an offer strength

List price: $640,000
$635,000 – $640,000
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 60 after a $50,000 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
$4,280/mo
Principal & interest$3,338
Property taxes$548
Insurance$320
HOA$75
Down payment20% · $128,000
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

$640,000

$297 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,158 sq ft

Time on market

60 days

Year built

1999

Monthly payment

About $4,281/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,570 annual tax bill, insurance, and the $225/qtr HOA fee.

HOA fee

$225/qtr

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

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Brokered byLPT REALTY, LLCListing agent: Evelyn MalaveListing data from Stellar MLS, MLS# O6432056.

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