Area guide · Seminole County, Florida
Lake Mary, FL homes for sale and real estate
Zoya Solovyeva, REALTOR®, helps buyers and sellers in Lake Mary, Heathrow and the Seminole County towns around them, in English or in Russian.
English and Russian · Olympus Executive Realty · Client reviews
01At a glance
Lake Mary in six facts
Lake Mary is a city of about 16,800 people in Seminole County, Central Florida, 27 minutes north of downtown Orlando without traffic. Its median home sold for $509,663 in the three months to August 2026, up 2.4% in a year. Half of its homes were built in 1997 or later, and it has its own SunRail station.
Sources: U.S. Census Bureau, Vintage 2025, Redfin (3 months to August 2026, the latest Redfin figures we could read), the American Community Survey 2020 to 2024 and SunRail.
- County
- Seminole CountyThe whole city lies in Seminole County. Population 16,789 (estimate for July 1, 2025), against 16,798 at the 2020 Census.U.S. Census Bureau, Vintage 2025
- ZIP code
- 32746It covers almost the whole city, yet only 43% of the ZIP code’s land is inside city limits. Check the parcel, not the mailing address.Census 2020 ZIP code areas
- Public schools
- Seminole County Public SchoolsThe zoned school depends on the exact street address.Check an address in the SCPS School Zone Search
- Drive, without traffic
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- Downtown Orlando 27 min
- Sanford airport (SFB) 12 min
- Orlando airport (MCO) 48 min
- Median sale price
- $509,663Up 2.4% in a year. The median home sold in 42 days, at 96.9% of its list price.Redfin, 3 months to August 2026
- Train
- SunRail, Lake Mary station2200 West Lake Mary Boulevard, about half a mile from downtown. Trains run Monday to Friday.SunRail, November 2026
02Client reviews
Clients on working with Zoya
Three Google reviews of Zoya’s work in general; none of them is about a home in Lake Mary. Each is quoted exactly as written, and “…” marks every cut.
“…Zoya made everything easy, transparent, and stress-free. She took the time to explain contracts, negotiations, inspections, and closing in Russian, which gave us total confidence. …”
A buyer’s review. It does not say where the home was.
“…She took the time to thoroughly evaluate my home and its unique features, and they used that knowledge to create a targeted marketing plan that highlighted my home's strengths and attracted the right buyers. Thanks to their expertise, my home is under contract within a matter of weeks. …”
A seller’s review, written while the home was under contract and before closing. It does not say where the home was.
“…She does her homework and knows the market well. Her recommendations for buying and selling are always right on the money. A great plus is that she is super nice and helpful, always responding to questions and requests timely. …”
03The Orlando Atlas · Lake Mary
A SunRail stop, three lakes and I-4 on the west side.
Lake Mary sits north of Orlando, with Sanford to the northeast, Longwood to the south and Heathrow, an unincorporated area outside the city, to the northwest. The dashed outline marks the city limits and the dotted line is the SunRail track. Orlando Sanford airport is 12 minutes east by car. Choose a nearby area to open its guide.
Three lakes and a trailhead
The Seminole County Water Atlas lists Big Lake Mary at 99 acres, East Crystal Lake at 89 and Myrtle Lake at 34, and classes all three as private lakes. The public side of the water is in the city’s parks: Liberty Park has lakeshore fishing and a nature trail on East Crystal Lake, and Trailhead Park, at Lake Mary Boulevard and Rinehart Road, starts the Rinehart Trail, part of the Cross Seminole Trail system.
- Big Lake Mary 99 acres
- East Crystal Lake 89 acres
- Myrtle Lake 34 acres
- Trails at Trailhead Park 3 miles
- Lake Mary city limits
- SunRail line; the Lake Mary station is by downtown
- Interstate 4, which crosses the west side of the city
Illustrative map. Map data © OpenStreetMap contributors. Drive times without traffic, OSRM, October 2026.
04Buying
Buying a home in Lake Mary
In the three months to August 2026 the median Lake Mary home sold for $509,663 after 42 days on the market, at 96.9% of its list price. Redfin scored the market 50 out of 100, “somewhat competitive”, so a prepared buyer has room to compare homes and terms.
Olympus Executive Realty · (609) 408-7086
Lake Mary’s housing is a mix. A little over half of its homes are detached houses, almost a third are in buildings of two or more units, and about six in ten are lived in by their owners. Half were built in 1997 or later. These are the points Zoya works through with a buyer here before an offer goes in.
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Inside the city, or only a Lake Mary address?
Only 43% of ZIP 32746 lies inside the city. The rest is unincorporated Seminole County, Heathrow and a sliver of Sanford, and city taxes and city rules stop at the city line. On the Seminole County Property Appraiser record, a home inside the city shows “Lake Mary” as its tax district.
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Flood zone and insurance
Flood maps are drawn parcel by parcel. Enter the exact address in FEMA’s Flood Map Service Center, then get flood and homeowners insurance quotes while your inspection period is still open.
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Roof and air conditioning dates
Half of the city’s homes were built in 1997 or earlier. Ask the seller when the roof and the air conditioning were last replaced, and ask your insurer how the roof’s age changes the quote.
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HOA and CDD documents
We found no public list of which Lake Mary subdivisions have a homeowners association or a community development district. For each home, read the recorded documents and get the fees, the building rules and the rental rules before your review period ends.
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Condo buildings
Almost a third of the city’s homes are in buildings of two or more units, and one in eight is in a building of 50 or more. For a condo, ask for the association’s budget, its reserves, any recent special assessments and the building’s rental rules.
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Rental plans
This page does not state a short term rental rule for Lake Mary, because the city’s code could not be read when it was written. If rental income matters to you, read the rental question below first.
05Selling
Selling a home in Lake Mary
Sellers got close to their asking price: in the three months to August 2026 the median home sold at 96.9% of list after 42 days, and Redfin counted 58 sales in August.
Redfin, Lake Mary housing market: days and sale to list for the 3 months to August 2026, sales for August 2026, read October 7, 2026.
Price from the sales around you. The city median blends condos, townhouses and houses of every size. Zoya sets a first price from recent sales of similar homes close to yours, so buyers can check it against what they see.
Put the walk in the listing. If the home is a few minutes on foot from the SunRail station, Central Park and its Saturday farmers market, a lake or the Rinehart Trail, say so and give the distance.
Answer the city line question first. Buyers will ask whether the home is inside Lake Mary, since that decides the city tax and city rules. Have the Property Appraiser record, with its tax district, ready before you list.
06Neighborhoods
Planning areas, Heathrow and Alaqua Lakes
Lake Mary publishes planning area names rather than a neighborhood map. Here are the names the city uses itself, and two places just outside the city line.
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Downtown Lake Mary
City planning area · Downtown Design GuideCity Hall, Central Park, the Events Center on West Crystal Lake and the SunRail station. The city has adopted a design guide for downtown, and an $8.20 million project is putting power lines underground along Country Club Road.
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Lake Mary Boulevard Gateway Corridor and Midtown/Griffin Farms
City planning areasThe city names the stretch of Lake Mary Boulevard between Downtown and Midtown/Griffin Farms as a place for infill building.
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Uptown/International Parkway and the Rinehart Medical Corridor
City planning areas · west sideAreas along International Parkway and Rinehart Road on the west side of the city, which the city wants to tie to the rest of Lake Mary with better east to west links.
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Heathrow
Census place · unincorporated, outside the city6,806 people and 2,911 homes at the 2020 Census, on 2.74 square miles northwest of the city. All of Heathrow is in ZIP 32746, so its homes carry a Lake Mary address, but the city’s tax rate and code do not apply there; Seminole County’s rules do.
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Alaqua Lakes
Private gated golf community · outside the cityWest of the city in unincorporated Seminole County. The Census geocoder puts its golf club in the 32779 ZIP area, which is a Longwood ZIP, not in Lake Mary.
The planning areas are where the city plans shops, offices and public projects; they are not housing districts, and their exact boundaries were not checked. Sources: the City of Lake Mary FY 2027 budget and downtown development page, the Census 2020 ZIP code file and the Census geocoder, read November 2026.
07Prices
Lake Mary home prices, with sources
Market wide figures, not listings. For the homes for sale today, ask Zoya for a short list that fits your budget.
| Median sale price | $509,663up 2.4% in a year |
|---|---|
| Median days on market | 42 |
| Median sale to list price | 96.9% |
| Homes sold in August | 58 |
| Redfin Compete Score | 50out of 100, “somewhat competitive” |
Source: Redfin, Lake Mary housing market, all home types, read October 7, 2026.
| Housing units | 7,412 |
|---|---|
| Detached single family homes | 55.8%attached 8.4%, mobile homes 4.4% |
| Homes in buildings of 2 or more units | 31.4%12.5% in buildings of 50 or more |
| Owner occupied | 62.9%about six in ten |
| Median year built | 1997 |
| Median value, as estimated by owners | $494,900 |
Source: U.S. Census Bureau, American Community Survey 2020 to 2024, tables B25001, B25003, B25024, B25035 and B25077, for the city of Lake Mary.
Redfin’s September figures could not be read on November 8, 2026, so these August figures are the latest on this page. Redfin does not say whether its Lake Mary figures follow the city line or the 32746 mailing area, and more than half of that ZIP code lies outside the city. The Census figure is each owner’s own estimate, not a sale price, so the two medians do not compare. For what a buyer pays at closing on top of the price, see the buyer closing costs guide.
Looking at Lake Mary homes for sale?
Send Zoya your budget, the bedrooms you need and whether you want a home inside the city or in Heathrow, and she will reply with current listings on WhatsApp.
08Getting around
Drive times, the train and trails
| To | Without traffic | Distance |
|---|---|---|
| Orlando Sanford International Airport (SFB) | 12 min | 6.4 mi |
| Downtown Orlando | 27 min | 19.3 mi |
| Orlando International Airport (MCO) | 48 min | 34.7 mi |
| Magic Kingdom | 61 min | 41.9 mi |
Without traffic: free flow car routing from the city center (OSRM), October 7, 2026 for downtown, MCO and Magic Kingdom, and November 8, 2026 for SFB. Rush hour adds time.
- SunRail. The Lake Mary station is at 2200 West Lake Mary Boulevard, near Country Club Road, about half a mile from downtown. Trains run Monday to Friday only; the next stops are Sanford to the north and Longwood to the south.
- From the station. SunRail lists Scout, Seminole County’s micro transit service, plus Lyft, Uber and Mears as connections. It lists no LYNX bus route here.
- Main roads. Interstate 4, Lake Mary Boulevard, Rinehart Road, Country Club Road and International Parkway.
- On foot or by bike. Trailhead Park starts the Rinehart Trail, with 3 miles of trails for walking, jogging and skating, part of the Cross Seminole Trail system.
Sources: the SunRail station page, the city’s FY 2027 budget and its Trailhead Park page, November 2026.
09Schools
Public schools
SCPS zones schools by street address, so look up each home you are serious about before you make an offer.
Look up a school zone (SCPS)10Pros and cons
Lake Mary, weighed up
What works
- A station by downtownSunRail stops in Lake Mary on weekdays, about half a mile from downtown.
- An airport close byOrlando Sanford International (SFB) is 12 minutes away without traffic.
- A steady city tax rate3.5895 mills in the FY 2027 budget, unchanged for the fourteenth year, with no city debt levy.
- Lakes and trailsBig Lake Mary and East Crystal Lake, Liberty Park on the shore and the Rinehart Trail.
- Newer homesHalf were built in 1997 or later.
What to weigh
- Distance south27 minutes to downtown Orlando, 48 to MCO and 61 to Magic Kingdom, without traffic.
- Weekday trains onlySunRail does not run on Saturdays or Sundays.
- Mailing address versus city line57% of ZIP 32746 lies outside the city, so taxes and rules differ by parcel.
- Lake accessThe Water Atlas classes Big Lake Mary, East Crystal and Myrtle as private lakes, so ask about access and dock rules for any lakefront home.
- Rules to checkThe city’s short term rental rule is not confirmed here, and HOA rules differ from one subdivision to the next.
Sources: as cited above, plus the Seminole County Water Atlas pages for Big Lake Mary, East Crystal Lake and Myrtle Lake, read November 2026.
11Questions
Lake Mary questions
What buyers and sellers ask about Lake Mary, with an official source for each answer. This is general information, not legal or tax advice.
Is every “Lake Mary, FL 32746” address inside the city?
No. ZIP 32746 covers almost all of the city, but only 43% of the ZIP code’s land lies inside city limits. The rest is unincorporated Seminole County (about 43%), Heathrow (13%) and a sliver of Sanford. All of 32746 is in Seminole County, so the county and the school district are the same either way; the city tax and the city’s rules are what change. On the Seminole County Property Appraiser record, a home inside the city shows “Lake Mary” as its tax district (Census 2020 ZIP code file).
How much does a home cost in Lake Mary?
Redfin puts the median sale price at $509,663 for the three months to August 2026, 2.4% higher than a year earlier, across all home types. Owners’ own estimates in the Census survey for 2020 to 2024 put the median value at $494,900. Neither figure prices a particular home: size, age, lot and street all matter, so ask Zoya for recent sales near the home you like.
What is the property tax rate in Lake Mary?
The city’s FY 2027 budget and its Taxes page give an operating rate of 3.5895 mills for October 1, 2026 to September 30, 2027, unchanged for the fourteenth year, and the city has no debt levy. That is about $3.59 for every $1,000 of taxable value, for the city portion only; the Florida Department of Revenue shows the same rate for the year before. School, county and water management district levies come on top, and homes outside city limits, Heathrow included, do not pay the city rate. For a parcel’s full bill, use the Seminole County Property Appraiser and the Seminole County Tax Collector.
Which public schools serve a Lake Mary home?
Seminole County Public Schools serves every address in ZIP 32746, inside the city and out, Heathrow included. Schools are zoned by street address, so enter each home in the SCPS School Zone Search before you make an offer.
Can I rent out a Lake Mary home short term?
This page does not state a rule, because Lake Mary’s code could not be read when it was written. The City of Lake Mary sets short term rental rules for homes inside the city, Seminole County sets them outside it, and an HOA can add limits of its own. If rental income is part of your plan, ask the city’s planning staff and a Florida real estate attorney about the exact home before you sign. The city’s code is published by American Legal Publishing.
How far is Lake Mary from the airports, downtown Orlando and Disney?
Without traffic, from the city center: 12 minutes (6.4 miles) to Orlando Sanford International Airport, 27 minutes (19.3 miles) to downtown Orlando, 48 minutes (34.7 miles) to Orlando International Airport and 61 minutes (41.9 miles) to Magic Kingdom, by OSRM routing in October and November 2026. Allow more time at rush hour. SunRail trains stop at the Lake Mary station, 2200 West Lake Mary Boulevard, Monday to Friday.
Talk to Zoya
Questions about Lake Mary?
Tell Zoya what you are looking for in Lake Mary, Heathrow or nearby, or about the home you plan to sell. She replies within 24 hours, in English or Russian.
- Call(609) 408-7086Olympus Executive Realty
- TextSend a textOlympus Executive Realty · (609) 408-7086
- WhatsAppMessage ZoyaOlympus Executive Realty
- Emailrealtor@zoyasells.comOlympus Executive Realty, 16903 Lakeside Drive, Montverde, FL 34756
Keep exploring
Nearby areas and guides
Next door
Buying
Looking outside Central Florida? Real estate elsewhere in Florida
Facts checked November 8, 2026; Redfin figures read October 7, 2026. Each figure names its source beside it or under its section: Redfin, the U.S. Census Bureau, OSRM routing, the City of Lake Mary, the Florida Department of Revenue, Seminole County, Seminole County Public Schools, SunRail and the Seminole County Water Atlas.