3538 Heart Pine Loop, photo 1
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Overview

3 bd2 ba1,515 sqft2 car garageSingle Family
TypeSingle Family
HOA$980/yr
Built2016
Lot6,001 sqft
Living area1,515 sqft
Price / sqft$257
Garage2 car

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

About this home

Living Room/Dining Room ComboGardenSprinkler MeteredDishwasherDisposalDryerMicrowaveRange

3538 Heart Pine Loop is a 2016-built home in McCormick Reserve Ph 1, Ocoee. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,515 square feet of living space. Listed at $389,950 (about $257/sqft), 34 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $980 annually.

From the listing

Welcome to this charming 3-bedroom, 2-bathroom home in the desirable McCormick Reserve community! Built in 2014, this well-maintained, a 2-car garage, and a functional layout perfect for comfortable living and entertaining. Enjoy a convenient Ocoee location close to shopping, dining, parks, major roadways, and Central Florida's popular attractions. Whether you are a first-time buyer, relocating, or looking for a great place to call home, this property offers comfort, convenience, and an excellent location. Some pictures are virtually staged. Schedule your showing today!

The essentials

Built
2016
Price / sqft
$257
On market
34 days
Annual tax
$3,957
HOA
$980/yr
Flood zone
X · Low risk
Lot
6,001 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
2 car garage
6,001 sqft lot
Lot size
1,515 sqft
Living area

Payment

Est. monthly payment
$2,641/mo
Down payment (20%)
$77,990
Property taxes
$330/mo
HOA
$980/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
6,001 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
34
Living Room/Dining Room Combo
Garden
Sprinkler Metered
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,957
Parcel #
33-21-28-5556-00-070

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
McCormick Reserve Ph 1
County
Orange
MLS Area
34761 - Ocoee
Lot Size
6,001 sqft
HOA
$980/yr
McCormick Reserve

Price history

Date
Event
Price
9/29/2026
Price change
Source: Stellar MLS #O6438088
$389,950-1.3%
$257/sqft
9/10/2026
Listed for sale
Source: Stellar MLS #O6438088
$395,000
$261/sqft

Neighborhood

3538 Heart Pine Loop
Ocoee, FL, 34761 · 34761 - Ocoee

Market insights

Offer Insights

Choose an offer strength

List price: $389,950
$387,500 – $389,950
99.5% – 100% of listTops out right at the list price
80% of listList price
118 of the last 234 home closings in 34761 landed at this number or higher (50%). The median one sat 34 days before it went under contract, and this one is on day 34 after a $5,050 cut.

Sample: 234 closed home sales in 34761 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,640/mo
Principal & interest$2,034
Property taxes$330
Insurance$195
HOA$82
Down payment20% · $77,990
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

$389,950

$257 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,515 sq ft

Time on market

34 days

Year built

2016

Monthly payment

About $2,641/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,957 annual tax bill, insurance, and the $980/yr HOA fee.

HOA fee

$980/yr

Managed by McCormick Reserve.

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 byFLORIDA REALTY INVESTMENTSListing agent: Dulce MoiseListing data from Stellar MLS, MLS# O6438088.

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