964 W CHARING CROSS CIRCLE, Lake Mary, FL, 32746 | $360,000

Under contract-accepting backup offers. Welcome home to 964 W. Charing Cross Circle, a beautifully maintained residence located in the heart of Lake Mary, home of the 2025 state football champions. This 3-bedroom, 2-bathroom home offers an exceptional blend of comfort, style, and community, delivering a lifestyle that feels both elevated and welcoming. Situated in the desirable Colony Cove neighborhood, the property is just minutes from I-4, Topgolf, the Shoppes at Lake Mary, Heathrow Country Club, and a wide variety of dining, shopping, and entertainment options.

As you arrive, you are greeted by picture-perfect curb appeal and a thoughtfully designed exterior featuring two garage doors, including a dedicated golf cart garage, ideal for Florida living. Upon entering the home, the open-concept floor plan immediately impresses, with the living room serving as the central focal point, creating a bright and inviting space perfect for everyday living and entertaining. The kitchen is well-appointed with stainless steel appliances, granite countertops, and a breakfast bar that seamlessly connects to the main living areas, making it ideal for hosting guests or enjoying casual meals.

Continuing through the home, you will appreciate the generously sized bedrooms, functional layout, and the convenience of an in-home washer and dryer. The owner’s suite is a true retreat, offering abundant natural light, ample space, and a fully upgraded bathroom that provides a spa-like experience and a sense of privacy. Step outside to the backyard and envision gatherings, celebrations, and quiet evenings, as this outdoor space is perfectly suited for both entertaining and relaxation.

Colony Cove offers desirable community amenities, including a neighborhood pool and playground, enhancing the overall lifestyle and sense of community. Additional highlights include a roof installed in 2022, a location within a top-rated Seminole County school district, and close proximity to the local library, parks, and scenic walking trails. This move-in-ready home presents an outstanding opportunity to build lasting memories and enjoy all that Lake Mary living has to offer, making it a must-see property for 2026.

Features

  • Amenities: Playground, Pool
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Style: Traditional
  • Year Built: 1992
  • Garage: 1-car Driveway, Golf Cart Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,389
  • Acreage: 0.14
  • Est. Taxes: $4,251
  • HOA Fee: $280 Quarterly
  • Lot Desc: City Lot, Landscaped, Sidewalk
  • Elem. School: Lake Mary Elementary
  • Middle School: Greenwood Lakes Middle
  • High School: Lake Mary High
  • Pet Policy: Yes
  • Appliances: Microwave, Range, Refrigerator
  • MLS#: O6370130
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/O6370130/964wcharingcrosscircle_lakemary_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/5/2026 10:17:08 PM)
Listing courtesy of WATSON REALTY CORP   Phone: 407-359-2300

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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964 W CHARING CROSS CIRCLE, Lake Mary, FL, 32746

$360,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $288,000 $288,000 $288,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.292% 5.609%
Monthly Tax Payment $354 $354 $354
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,613 $1,750 $2,334
Total Monthly Payment $2,042 $2,179 $2,763

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.