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List Price

$235,000

1162 Carmel Unit 440, Casselberry, FL 32707

143 days on market

Estimated Payment

$2,437/mo

20% down and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,137 Square FeetYear builtBuilt 1984

Listed by

John Herndon

COLDWELL BANKER REALTY

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Come live the resort lifestyle with carefree maintenance in the beautiful and gated Carmel by the Lake community on 400 acre Lake Howell. This furnished 2 bed, 2 bath; 4th-floor condo, with elevators, is all on one level and offers serene views of towering oak trees, and the shady walking paths around the lovely grounds leading to Lake Howell (a large ski lake). Stepping into this lovely home, you’ll immediately notice the light and bright spacious eat-in kitchen with pass-through to the dining and living room. You won’t be able to draw your eyes from the oversized glass sliders to the covered screened lanai that faces east. Enjoy your morning coffee with peaceful views of the sunrise on your own private back porch. The large master bedroom offers views of sunrises and majestic trees, a master bath with double sinks, walk-in closet and large shower. This split plan has an inside Laundry, hall bath and a 2nd bedroom in front. Other extras include a designated covered parking spot and storage assigned to unit, newer appliances, and private community boat ramp on Lake Howell to spend hours of fun on the water. This location is prime as you are just minutes away from many shopping options, restaurants, UCF, beaches, only 35 minutes to Disney, Orlando International airport, Sanford airport and close to Winter Park or Altamonte train services and major roadways for an easy commute to all that Central Florida has to offer. All this and zoned for Seminole County schools. Carmel by the Lake is like living in your own private gated resort with community pool, hot tub, tennis/pickle ball court, racketball, clubhouse, boat ramp, fishing pier and lakeside walking paths. The monthly HOA is very comprehensive and offers a lot: high-speed internet, cable with over 200 channels, water, sewer, trash, grounds upkeep, building exterior maintenance and community maintenance. Don't miss out on this gem, schedule your private tour today!

1162 Carmel Unit 440, Casselberry, FL 32707 in Casselberry, FL 32707 is listed for $235,000. The home has 2 bedrooms, 2 bathrooms, and 1,137 square feet, and was built in 1984. Listed 143 days ago. The listing is held by COLDWELL BANKER REALTY.

32707 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,934 (tax year 2024)
HOA fee$741 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $47,000

$

$2,437/moest.

  • Principal & Interest 51%
  • Property Taxes 10%
  • Insurance 8%
  • HOA 30%
Principal & Interest
$1,255
Property Taxesfrom listing
$245
Insurance
$196
HOA
$741

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,437, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,934 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR790047051. HomeJam is not the listing broker.

List Price

$235,000

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