400 Pine Tree Rd, photo 1
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Overview

5 bd4 ba3,475 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1987
Lot18,680 sqft
Living area3,475 sqft
Price / sqft$236
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Primary Bedroom Main FloorThermostatWalk-in Closet(s)Window TreatmentsPrivate MailboxSidewalk

400 Pine Tree Rd is a 1987-built home in Cardinal Oaks Cove, Lake Mary. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,475 square feet of living space. Listed at $820,000 (about $236/sqft), 5 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Welcome to the highly desirable Cardinal Oaks Cove, one of Lake Mary’s hidden gems-with no HOA. Offering 5 bedrooms, 4 bathrooms, and 3,475 square feet, this spacious home is designed for comfortable living and entertaining. The kitchen features an island and opens to the great room, where a fireplace and direct pool access create a welcoming gathering space. Formal living and dining rooms provide additional room to entertain. Just off the kitchen, the indoor laundry room includes built-in cabinets. Enjoy a sparkling enclosed pool and an approximately 400 square foot covered lanai featuring a custom-built bar and mini fridge, surrounded by lush landscaping for added privacy. The oversized garage also features custom storage cabinets. The main-floor primary suite includes an ensuite bath with a walk-in closet, walk-in shower, double vanities and a private water closet. Upstairs are four additional bedrooms, two bathrooms and a spacious loft with a custom-built bookcase. One of the bathrooms is a Jack-and-Jill. One bedroom also features custom-built drawers and additional storage. Located in the heart of Lake Mary, this home is just minutes from fine dining, shopping and major highways-offering easy access to everything Central Florida has to offer.

The essentials

Built
1987
Price / sqft
$236
On market
5 days
Annual tax
$4,217
Flood zone
X · Low risk
Lot
18,680 sqft
Type
Single Family Residence

At a glance

Single family
Built 1987
Private pool
In Ground
2 car garage
Driveway
0.43 acres
Lot size
3,475 sqft
Living area

Payment

Est. monthly payment
$5,038/mo
Down payment (20%)
$164,000
Property taxes
$351/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1987
Lot
18,680 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side
Pool
In Ground, Screen Enclosure
Days on Market
5
Built-in Features
Ceiling Fans(s)
Primary Bedroom Main Floor
Thermostat
Walk-in Closet(s)
Window Treatments
Private Mailbox
Sidewalk
Bar Fridge
Dishwasher
Microwave
Range
Refrigerator
Elementary
Lake Mary Elementary
Middle
Greenwood Lakes Middle
High
Lake Mary 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)
$4,217
Parcel #
15-20-30-502-0000-0770

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
Cardinal Oaks Cove
County
Seminole
MLS Area
32746 - Lake Mary / Heathrow
Lot Size
18,680 sqft
Landscaped

Price history

Date
Event
Price
10/7/2026
Listed for sale
Source: Stellar MLS #O6443120
$820,000
$236/sqft

Neighborhood

400 Pine Tree Rd
Lake Mary, FL, 32746 · 32746 - Lake Mary / Heathrow

Market insights

Offer Insights

Choose an offer strength

List price: $820,000
$815,000 – $820,000
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 5.

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

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Calculator

Est. monthly payment
$5,038/mo
Principal & interest$4,277
Property taxes$351
Insurance$410
Down payment20% · $164,000
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

$820,000

$236 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,475 sq ft

Time on market

5 days

Year built

1987

Monthly payment

About $5,038/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,217 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?

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Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Chuck FerdinandsenListing data from Stellar MLS, MLS# O6443120.

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