Jessica Torres
$1,749,0004 bd3.5 ba4,192 sqft$417 /sqft$11,204 /mo all-in ↓

657 SHADOWMOSS CIRCLE, LAKE MARY, FL, 32746

Active1 days on marketListed Jul 26, 2026MLS #O6427611

Private poolSingle Family ResidenceMAGNOLIA PLANTATION

Come see it

Upcoming open houses

Sat, Aug 1

12:00 PM – 3:00 PM

Must have driver's license for gate access.

Sun, Aug 2

2:00 PM – 4:00 PM

Must have driver's lecense for gate access.

About this home

657 SHADOWMOSS CIRCLE

Welcome to this exceptional luxury residence in the guard-gated community of Magnolia Plantation, where timeless architecture, thoughtful design, and a private 1.11-acre homesite create the perfect place to call home. Elegant French-paned double doors open to a light-filled foyer. To the right, a spacious private office and adjacent guest bath provide an ideal work-from-home retreat, while the formal dining room sits to the left. Straight ahead, expansive sliding glass doors frame views of the screened lanai, sparkling pool and spa, lush conservation, and the beautifully private backyard. Designed for both everyday living and entertaining, the main living area features soaring ceilings, crown molding, rich wood architectural details, a gas fireplace, and thoughtfully placed half walls that define conversation spaces while maintaining an open layout. Oversized disappearing sliding glass doors in both the living and family rooms fully retract, creating seamless indoor-outdoor living. A butler's pantry with sink connects the dining room to the chef's kitchen, which offers a large center island, abundant cabinetry, built-in oven and microwave, cooktop, Bosch refrigerator, and generous workspace. The kitchen overlooks the breakfast area and spacious family room featuring custom built-ins, shiplap, crown molding, oversized windows, and direct access to the lanai through disappearing sliders. Privately situated from the secondary bedrooms, the owner's suite offers a sitting area, dual walk-in closets, and a luxurious bath with separate vanities, a garden tub, and walk-in shower. Bedroom two includes a walk-in closet and private en-suite bath, while bedrooms three and four share a beautifully appointed bath with a walk-in shower. A standout feature is the spectacular bonus gathering room designed for entertaining, showcasing soaring ceilings with a dramatic wood beam, a gas fireplace, built-in wet bar, and oversized glass doors leading to the outdoor fire pit. Outdoor living is equally impressive with an expansive screened lanai featuring two covered seating areas, a built-in KitchenAid grill with vent hood, and ample space for dining and relaxing. The PebbleTec pool offers a sun shelf and spa overlooking tranquil conservation with no rear neighbors, while the expansive backyard provides room for lawn games, entertaining, or simply enjoying the peaceful setting. Additional highlights include a well-appointed laundry room with utility sink and built-in cabinetry, a three-car garage, and an oversized circular driveway with abundant guest parking. Situated on a private 1.11-acre homesite with no rear neighbors and a generous side yard, this exceptional property offers a rare combination of privacy, luxury, and functional outdoor living. Magnolia Plantation residents enjoy tennis courts, open recreation fields, a playground, and a premier Lake Mary location convenient to top-rated schools, shopping, dining, and major roadways. This remarkable estate blends elegant living, exceptional entertaining spaces, and resort-style outdoor amenities to create an extraordinary place to call home. Cameras may be present on the property.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,192

Sqft

1.11 ac

Lot size

3

Garage

2005

Year built

One

Levels

$417

Per sqft

Private poolFireplacePark/Greenbelt & Trees/Woods viewPets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer · Water Softener
InteriorAccessibility Features · Built-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPark/Greenbelt · Trees/Woods
FacesNorthwest
ParkingGarage Faces Side
ExteriorFire Pit · French Doors · Irrigation System · Outdoor Grill · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$183/mo
Taxes (2025)$9,208/yr
PetsYes
CommunityDeed Restrictions · Gated Community - Guard · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Propane · Sewer Connected · Sprinkler Recycled · Street Lights
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$11,204 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,438
PMI (est., until 20% equity)$656
Property tax — 2025 actual bill$767
HOA fee — from the listing$183
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $174,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $174,900
Interest rate6.00%
Loan term

Estimated payment

$11,204/mo

Principal & interest$9,438
PMI (est., until 20% equity)$656
Property taxes (actual bill)$767
HOA / condo fee$183
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.7M
$1.4MedgeAI estimate $1,497,013 · range $1.4M$1.6M$1.8M

vs edgeAI estimate

+16.8%

$/sqft vs Lake Mary actives

$417 vs $238

Days on market

1 vs 42 typical

Where $417/sqft sits among the 168 Lake Mary actives

41
47
44
16
14
6 · this home
$152–196$196–241$241–285$285–329$329–373$373+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Magnolia Plantation

Map of 657 SHADOWMOSS CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Orlando27 min
Universal Orlando39 min
Orlando Int’l Airport (MCO)46 min
Walt Disney World51 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lake Mary. See the full Lake Mary guide →

Magnolia Plantation — neighborhood snapshot

Population

2,424

Median age

46

Median income

$250,001

Median home value

$931,600

Avg household

3

Households w/ children

305

For the school run

Seminole County School District

ElementaryHeathrow Elementary School★★★★★
MiddleMarkham Woods Middle School★★★★★
HighSeminole High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lake Mary market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$446K$488K

Lake Mary median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

94 of 168

Lake Mary actives have cut their price

Median sold price, Lake Mary, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 338% above the LAKE MARY 32746 median. See the full Lake Mary market guide →

Paper trail

This home's history

Jul 26, 2026Listed at $1,749,000 · 1 days on market since
2005Built · MAGNOLIA PLANTATION

Reality check

What actually sold near 657 SHADOWMOSS CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

687 SHADOWMOSS CIRCLESold · Jun ’26

$1,499,000

687 SHADOWMOSS CIRCLE · same community

5 bd · 3.5 ba · 3,952 sqft · $379/sqft · 6 DOM

328 MAPLEVIEW COURTSold · Jun ’26

$1,095,000

328 MAPLEVIEW COURT · same community

4 bd · 3 ba · 3,803 sqft · $288/sqft · 36 DOM

710 SHADOWMOSS CIRCLESold · Jul ’26

$1,025,000

710 SHADOWMOSS CIRCLE · same community

4 bd · 3 ba · 3,309 sqft · $310/sqft · 6 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Jessica Torres

Your agent

Jessica Torres

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 657 SHADOWMOSS CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 657 SHADOWMOSS CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Jessica's phone and CRM.

Goes straight to Jessica’s phone and CRM.

Straight answers

657 SHADOWMOSS CIRCLE FAQs

What would the monthly payment be for 657 SHADOWMOSS CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,204/mo — principal and interest, the actual property-tax bill, the $183/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 657 SHADOWMOSS CIRCLE?+

The association fee works out to $183 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 657 SHADOWMOSS CIRCLE?+

The most recent tax bill on record (2025) was $9,208. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 657 SHADOWMOSS CIRCLE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Lake Mary?+

At $1,749,000, this home is listed about 308% above the Lake Mary median of $429,000. The market section on this page shows how the area is trending.

Which schools are assigned to 657 SHADOWMOSS CIRCLE?+

Heathrow Elementary School (elementary), Markham Woods Middle School (middle), Seminole High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,749,000 runs 338% above the LAKE MARY 32746 median — but at 4,192 sqft it's also nearly twice the size of the typical Lake Mary listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 1 day on market in a Lake Mary market that averages 42 — if it fits, move quickly.

04Strong assigned schools

Heathrow Elementary School, Markham Woods Middle School, Seminole High School — Heathrow Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Kathy Stoner. MLS #O6427611.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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