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1158 CARMEL CIRCLE #430, Casselberry, FL, 32707

3beds
2baths
1,876sqft
$280,000
$149price/sqft
$2,230/moest. monthly cost
$89,200/yrincome needed

About This Home

Experience elevated lakefront living in the gated Carmel by the Lake community on beautiful Lake Howell in Seminole County. This spacious fourth-floor residence, conveniently accessed by elevator, offers 1,876 square feet of thoughtfully designed living space with 3 bedrooms, 2 bathrooms, and an open-concept layout that showcases breathtaking views of the lake and beautifully landscaped grounds from your private balcony. Wake up each morning to breadth taking peaceful scenery and enjoy a true resort-style lifestyle with exclusive private access to Lake Howell for boating, fishing, kayaking, and paddle boarding. Community amenities include a sparkling swimming pool, tennis courts, clubhouse, and meticulously maintained grounds, all within the security of a gated community. The HOA provides exceptional value by covering water, sewer, cable TV, high-speed internet, exterior maintenance, roof maintenance, and grounds care, allowing you to enjoy a carefree, lock-and-leave lifestyle. Perfectly located just minutes from Winter Park, Maitland, Lake Mary, Altamonte Springs, and Downtown Orlando, this home offers convenient access to major highways, premier shopping, dining, entertainment, top-rated medical facilities, and Orlando's world-renowned attractions. Whether you're searching for a primary residence, seasonal getaway, or low-maintenance luxury retreat, this exceptional waterfront condo offers the perfect blend of comfort, convenience, and Florida living. Schedule your private showing today and discover why Carmel by the Lake is one of Central Florida's most desirable lakefront communities to call home.

Getting Around

40
WalkingCar-Dependent
28
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

6/10
7/10
Lake Howell High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Slab
  • Roof: Membrane,Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Range Hood
  • Laundry features: Inside

Bathroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 130
  • Dimensions: 10x13

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Split Bedroom
  • Flooring: Carpet,Parquet,Porcelain Tile

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,876
  • Total interior livable area: 1,876 sqft

Kitchen

  • Features: Pantry
  • Level: First
  • Area: 250
  • Dimensions: 25x10

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Area: 221
  • Dimensions: 17x13

Primary Bathroom

  • Features: Exhaust Fan
  • Level: First
  • Area: 168
  • Dimensions: 14x12

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 247
  • Dimensions: 19x13

Property

Details

  • Parcel number: 28213051600003440
  • Zoning: PRD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Balcony,Tennis Court(s)
  • Has view: Yes
  • View description: Trees/Woods,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front,Lake Privileges,Boat Ramp - Private,Fishing Pier
  • Waterbody name: LAKE HOWELL
  • Residential vegetation: Mature Landscaping,Oak Trees

Lot

  • Features: City Lot,Near Public Transit,Private

Parking

  • Total spaces: 1
  • Parking features: Covered,Off Street,Parking Pad
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Seminole County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,415$16,980
Home Insurance *$184$2,208
Property Taxes $434$5,208
Electricity $197$2,366
Total$2,230$26,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,457/yr
40% on housing$66,900/yr
45% on housing$59,466/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 32707$131
Seminole County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 32707$244
Seminole County$241

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$270,000
2026-07-17Listed for sale$280,000
2026-07-16Listing removed$2,250
2026-06-19Listed for rent$2,250
2026-06-19Listing removed$2,250
2026-05-28Listed for rent$2,250
2024-07-11Listing removed$265,000
2024-03-31Listing removed--
2024-03-22Listed for rent$2,200
2024-03-22Listing removed--
2024-03-14Listing removed--
2024-03-11Price change$265,000
2024-03-07Price change$2,200
2024-03-01Listed for rent$2,300
2024-02-19Price change$275,000
2024-02-07Listing removed--
2024-01-11Listed for sale$285,000
2023-12-29Price change$2,200
2023-12-28Listing removed--
2023-12-15Price change$295,000
2023-12-13Pending sale$299,999
2023-12-13Price change$299,999
2023-12-06Price change$294,999
2023-11-18Listed for rent$2,100
2023-11-06Listed for sale$299,999
2020-06-24Sold$171,000

For Sale by Agent

AgentDidem Hanley
BrokerageLPT REALTY, LLC

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