401 N 1st St, photo 1
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Overview

4 bd3 ba2,716 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1978
Lot385,878 sqft
Living area2,716 sqft
Price / sqft$624
Garage2 car

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Saturday, Oct 10 · 5:00 PM to 7:00 PM

About this home

Ceiling Fans(s)Open FloorplanPrivate YardConvection OvenCooktopDishwasherRefrigerator

401 N 1st St is a 1978-built home in Crystal Lake, Lake Mary. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,716 square feet of living space. Listed at $1,695,000 (about $624/sqft), 36 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

A truly rare offering in the heart of Lake Mary—this updated 4BR / 2.5BA / 2,716 sq ft home sits on just under 9 acres of private lakefrontage on Crystal Lake. Enjoy a lakefront lifestyle with beautiful water views and access to additional connected lakes, launching directly from your own dock. The home has been thoughtfully modernized throughout, featuring new flooring, updated kitchen cabinetry, quartz countertops, new appliances, and upgraded fixtures. Bathrooms have been fully renovated with new tile, vanities, shower tile, and fixtures, creating a clean, contemporary feel. Additional improvements include updated windows, a resurfaced pool, new pool pavers, and an updated roof, offering long-term peace of mind. The property’s expansive acreage creates a rural, private setting right in town—a rare combination that offers peaceful natural surroundings while keeping everyday conveniences close by. A detached barn adds valuable storage or workshop flexibility. Located in a golf-cart-friendly neighborhood, the home is close to downtown Lake Mary’s shops, restaurants, and community events, blending acreage living with true in-town convenience. Opportunities combining this level of land, privacy, lakefront access, updates, and location are exceptionally limited—this property stands alone in today’s market.

The essentials

Built
1978
Price / sqft
$624
On market
42 days
Annual tax
$3,330
Flood zone
X* · Low risk
Lot
385,878 sqft
Type
Single Family Residence

At a glance

Single family
Built 1978
Waterfront
Lake Front
Private pool
In Ground
2 car garage
Driveway
8.86 acres
Lot size

Payment

Est. monthly payment
$9,965/mo
Down payment (20%)
$339,000
Property taxes
$277/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1978
Lot
385,878 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway
Pool
In Ground
Waterfront
Lake Front
Days on Market
42
Ceiling Fans(s)
Open Floorplan
Private Yard
Convection Oven
Cooktop
Dishwasher
Refrigerator
Flood Zone X*
Annual Tax (2025)
$3,330
Parcel #
09-20-30-300-027G-0000

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
Crystal Lake
County
Seminole
MLS Area
32746 - Lake Mary / Heathrow
Lot Size
385,878 sqft

Price history

Date
Event
Price
9/27/2026
Price change
Source: Stellar MLS #O6437711
$1,695,000-3.1%
$624/sqft
8/28/2026
Listed for sale
Source: Stellar MLS #O6437711
$1,749,900
$644/sqft

Neighborhood

401 N 1st St
Lake Mary, FL, 32746 · 32746 - Lake Mary / Heathrow

Market insights

Offer Insights

Choose an offer strength

List price: $1,695,000
$1.68M – $1.70M
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 42 after a $54,900 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
$9,965/mo
Principal & interest$8,840
Property taxes$277
Insurance$848
Down payment20% · $339,000
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%. 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

$1,695,000

$624 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,716 sq ft

Time on market

42 days

Year built

1978

Monthly payment

About $9,965/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,330 annual tax bill, insurance.

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 byHOLT REAL ESTATE LLCListing agent: Jennifer CornetteListing data from Stellar MLS, MLS# O6437711.

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