3522 Heart Pine Loop, photo 1
ActiveOpen Sat 3 to 6 PM
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Overview

4 bd3 ba2,466 sqft2 car garageSingle Family
TypeSingle Family
HOA$75/mo
Built2017
Lot10,275 sqft
Living area2,466 sqft
Price / sqft$215
Garage2 car

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

Open house

Saturday, Oct 10 · 3:00 PM to 6:00 PM

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsSplit Bedroom

3522 Heart Pine Loop is a 2017-built home in McCormick Reserve Ph 1, Ocoee. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,466 square feet of living space. Listed at $530,000 (about $215/sqft), 3 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $75 monthly.

From the listing

Welcome home to this beautifully maintained 4-bedroom, 3-bathroom two-story Lauderdale floorplan in McCormick Reserve! Just 9 years young and situated on an oversized, pie-shaped lot, this home offers an impressive combination of space, upgrades, and an incredible outdoor living area. The previous sellers have invested approximately $60,000 in upgrades and improvements, and it shows! From the moment you walk in, you'll appreciate the spacious formal living and dining areas, 10-foot ceilings, and the open flow into the centrally located kitchen and family room. The kitchen features 42" cabinets with crown molding, upgraded quartz countertops, a large island, custom pantry, pendant lighting, and GE stainless steel appliances, all overlooking the family room and its sliding doors leading to the covered, screened-in lanai and backyard. The split-bedroom layout provides privacy for everyone, with a spacious primary suite featuring a large walk-in closet and an oversized bathroom with plenty of storage, while two additional downstairs bedrooms offer generous space and easy access to the second full bathroom. Upstairs, you'll find the fourth bedroom with its own private full bathroom, along with a huge bonus room that can easily be used as a game room, media room, home gym, office, or whatever your lifestyle requires. The backyard is where this home really shines! The oversized pie-shaped lot is fully enclosed with vinyl fencing and gates on both sides, creating a private and versatile outdoor space with plenty of room to entertain, relax, and enjoy the Florida sunshine. New pavers lead to an outdoor grill area and pergola, with electricity already run for added convenience, while multiple fruit trees add to the charm. The covered lanai features a retractable screen, making it easy to enjoy the outdoors throughout the year. Additional upgrades and features include plantation shutters, blinds, double-pane low-E windows, security cameras for remote monitoring, a 50-gallon hybrid electric water heater, and epoxy flooring in the garage. McCormick Reserve is conveniently located just minutes from major highways, Historic Downtown Winter Garden, the West Orange Trail, Winter Garden Village, restaurants, shopping, and everyday conveniences, with Disney, Universal, Downtown Orlando, and Orlando International Airport all approximately 30 minutes away. This is one you really need to see in person to appreciate the space, upgrades, and backyard!

The essentials

Built
2017
Price / sqft
$215
On market
24 days
Annual tax
$7,820
HOA
$75/mo
Flood zone
X · Low risk
Lot
10,275 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
2 car garage
Garage Door Opener
10,275 sqft lot
Lot size
2,466 sqft
Living area

Payment

Est. monthly payment
$3,756/mo
Down payment (20%)
$106,000
Property taxes
$652/mo
HOA
$75/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
10,275 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
24
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Fire Pit
Outdoor Grill
Sprinkler Metered
Community Mailbox
Sidewalks
Street Lights
Built-in Oven
Dishwasher
Disposal
Electric Water Heater
Ice Maker
Microwave
Refrigerator
Elementary
Prairie Lake Elementary
Middle
Ocoee Middle
High
Ocoee High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,820
Parcel #
33-21-28-5556-00-110

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
10,275 sqft
ClearedIn CountyLandscapedLevelOversized Lot
HOA
$75/mo
Association Solutions, Mark Hill

Price history

Date
Event
Price
9/15/2026
Listed for sale
Source: Stellar MLS #O6442300
$530,000
$215/sqft

Neighborhood

3522 Heart Pine Loop
Ocoee, FL, 34761 · 34761 - Ocoee

Market insights

Offer Insights

Choose an offer strength

List price: $530,000
$525,000 – $530,000
99.5% – 100% of listTops out right at the list price
80% of listList price
117 of the last 231 home closings in 34761 landed at this number or higher (51%). The median one sat 32 days before it went under contract, and this one is on day 24.

Sample: 231 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
$3,756/mo
Principal & interest$2,764
Property taxes$652
Insurance$265
HOA$75
Down payment20% · $106,000
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

$530,000

$215 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,466 sq ft

Time on market

24 days

Year built

2017

Monthly payment

About $3,756/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,820 annual tax bill, insurance, and the $75/mo HOA fee.

HOA fee

$75/mo

Managed by Association Solutions, Mark Hill.

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 byDALTON WADE INCListing agent: Jonathan SpeagleListing data from Stellar MLS, MLS# O6442300.

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