820 Stephens Pass CV, photo 1
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Overview

5 bd4 ba3,279 sqft2 car garageSingle Family
TypeSingle Family
HOA$350/qtr
Built2011
Lot7,432 sqft
Living area3,279 sqft
Price / sqft$274
Garage2 car

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About this home

Ceiling Fans(s)Gated Community - No GuardDishwasherDisposalDryerGas CooktopMicrowaveRange

820 Stephens Pass CV is a 2011-built home in Island Club, Lake Mary. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,279 square feet of living space. Listed at $899,500 (about $274/sqft), 4 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $350 quarterly.

From the listing

Come see this slice of paradise in the exclusive, gated community of Island Club, located in the affluent Heathrow area. This custom waterfront home offers peaceful views of Island Lake, providing nightly displays of amazing sunsets. This home as been meticulously maintained and features 5-bedrooms, 3.5-bathrooms showcasing a number of high-end upgrades. The main level features a spacious primary bedroom with an elegant en suite bath together with top-tier amenities and oversized custom closets. Additionally, a versatile flex room offers possibilities for use as an office, playroom, gym, or library. The heart of the home is the open kitchen and family room combination, featuring stainless steel appliances, tons of granite countertops, a stylish backsplash, solid wood cabinets, a wine fridge, and a large pantry. Think of the holiday parties you can throw in the huge family room overlooking the lanai and the lake. Throughout the main floor, engineered hardwood flooring and crown molding add elegance and sophistication, complemented by custom plantation shutters throughout. A Bruno Elite straight rail stairlift can take you upstairs to a spacious game/media entertainment room, along with four generous bedrooms, two of which feature expansive walk-in closets. The laundry room is equipped with LG Ultra Capacity stainless washer/dryer. Step outside to your private oasis and enjoy the picturesque lake views from the screened-in lanai, which is pre-wired and pre-plumbed for a summer kitchen. The garage with its special PVC tile flooring provides ample storage space for your convenience. The property comes complete with a Massey termite bond. Adjacent to the exclusive Heathrow community, you'll have access to fine dining, upscale shopping, casual eateries, golf courses, top-rated schools, hospitals, and both Sanford and Orlando airports. This prime location offers easy access to the beaches, entertainment venues, theme parks, and attractions. Grab the opportunity to embrace the exemplary example of Florida lifestyle.

The essentials

Built
2011
Price / sqft
$274
On market
4 days
Annual tax
$6,202
HOA
$350/qtr
Flood zone
X · Low risk
Lot
7,432 sqft
Type
Single Family Residence

At a glance

Single family
Built 2011
Waterfront
Lake Front
2 car garage
7,432 sqft lot
Lot size
3,279 sqft
Living area

Payment

Est. monthly payment
$5,775/mo
Down payment (20%)
$179,900
Property taxes
$517/mo
HOA
$350/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2011
Lot
7,432 sqft
Cooling
Central Air
Heating
Central, Gas
Parking
-
Waterfront
Lake Front
Days on Market
4
Ceiling Fans(s)
Gated Community - No Guard
Dishwasher
Disposal
Dryer
Gas Cooktop
Microwave
Range
Range Hood
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,202
Parcel #
01-20-29-513-0000-0240

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
Island Club
County
Seminole
MLS Area
32746 - Lake Mary / Heathrow
Lot Size
7,432 sqft
HOA
$350/qtr
Specialty Management

Price history

Date
Event
Price
10/12/2026
Listed for sale
Source: Stellar MLS #O6449368
$899,500
$274/sqft

Neighborhood

820 Stephens Pass CV
Lake Mary, FL, 32746 · 32746 - Lake Mary / Heathrow

Market insights

Offer Insights

Choose an offer strength

List price: $899,500
$890,000 – $899,500
99.1% – 100% of listTops out right at the list price
80% of listList price
107 of the last 213 home closings in 32746 landed at this number or higher (50%). The median one sat 22 days before it went under contract, and this one is on day 4.

Sample: 213 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
$5,775/mo
Principal & interest$4,691
Property taxes$517
Insurance$450
HOA$117
Down payment20% · $179,900
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

$899,500

$274 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,279 sq ft

Time on market

4 days

Year built

2011

Monthly payment

About $5,775/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,202 annual tax bill, insurance, and the $350/qtr HOA fee.

HOA fee

$350/qtr

Managed by Specialty 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

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Mark GlaserListing data from Stellar MLS, MLS# O6449368.

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