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3295 Safe Harbor Ln, Lake Mary, FL, 32746

5beds
4baths
3,540sqft
$675,000
$191price/sqft
$5,038/moest. monthly cost
$201,520/yrincome needed

About This Home

This Spacious, one owner, well maintained home is located in a gated community of THE COVE in Lake Mary. This smoke-free two-story home with large lot size with a spacious backyard, no rear-facing neighbors and gives plenty of room for kids to play. NEW AC installed in 2025 and Roof installed 2021.This five-bedroom, four bathroom offers a perfect blend of luxury, comfort, and convenience. The first floor welcomes you with a grand foyer that leads to the formal living area/dining room, family room and a bonus room for office/study. Master Bedroom is also on the first-floor, full guest bathroom and laundry room. Upstairs, has 2nd master bedroom with attached bath and other specious size rooms and activity room. Additional features include a spacious three-car garage, providing ample parking and storage. The community offers top-notch schools and is conveniently located near SR 417 for an easy commute to Sanford International Airport. Walking distance to the Sun Rail, shopping, dining, and more, making it the perfect place to call home. This lovely home will not last! Call, Text to schedule a viewing. Schedule your showing today.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

2/10
Wicklow Elementary SchoolGrades PK-51.2 mi
3/10
Millennium Middle SchoolGrades 6-81.3 mi
5/10
Seminole High SchoolGrades PK,9-121.7 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Range,Refrigerator
  • Laundry features: Inside,Laundry Room

Bathroom2

  • Features: Built-in Closet
  • Level: Second

Bathroom3

  • Features: Built-in Closet
  • Level: Second

Bedroom4

  • Features: Built-in Closet
  • Level: Second

Bedroom5

  • Features: Built-in Closet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First

Features

  • Eating Space In Kitchen,Primary Bedroom Main Floor,PrimaryBedroom Upstairs,Solid Surface Counters,Solid Wood Cabinets,Walk-In Closet(s)
  • Flooring: Carpet,Other,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0
  • Total interior livable area: 3,540 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Office

  • Features: Built-in Closet
  • Level: First

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 0320305PJ00000040
  • Zoning: R-1AA
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Sidewalk

Lot

  • Lot size: 0.28 Acres
  • Features: Oversized Lot

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Tornado
Hurricane
Inland Flooding
Strong Wind
Wildfire

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 $3,413$40,956
Home Insurance *$475$5,700
Property Taxes $794$9,528
Electricity $356$4,275
Total$5,038$60,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,731/yr
40% on housing$151,140/yr
45% on housing$134,346/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

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 32746$217
Seminole County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 32746$250
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
2026-03-06Listed for sale$675,000
2002-02-21Sold$280,628

For Sale by Agent

AgentGhazala Syed
BrokerageLPT REALTY, LLC

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