3595 LAZY RIVER TERRACE, Sanford, FL, 32771 | $385,000

Under contract-accepting backup offers. Virtually Staged. Welcome to 3595 Lazy River Terrace, a beautiful like-new residence located in the highly desirable Riverside Reserve Community in the heart of Sanford. Combining elegant design, energy-efficient construction, and modern upgrades, this exceptional home offers the perfect blend of luxury, comfort, and convenience. From the moment you arrive, the home impresses with its charming curb appeal, stylish exterior architecture and lush landscaping. Inside, a spacious foyer welcomes you into a thoughtfully designed 3-WAY SPLIT FLOORPLAN filled with natural light. This versatile layout features 3 spacious bedrooms plus a LARGE FLEX ROOM, perfect for a private office, media room, fitness area, or guest retreat. Privately located at the rear of the home, the luxurious primary suite serves as a relaxing sanctuary complete with high ceilings, a spacious walk-in closet, and a spa-inspired ENSUITE BATH featuring DUAL VANITIES with QUARTZ countertops. The additional bedrooms are thoughtfully separated, offering both privacy and functionality. At the heart of the home, the open-concept kitchen, dining, and living areas seamlessly connect to create the ideal setting for entertaining and everyday living. The chef-inspired kitchen showcases a beautiful blend of GRANITE countertops, upgraded newer appliances, large kitchen island, abundant cabinetry, and expansive prep space designed with both style and practicality in mind. The spacious living and dining areas create an inviting atmosphere for large and small gatherings. Luxury upgrades continue throughout the home, including freshly painted interiors, newly installed carpeting, double pane windows, an indoor laundry room with a more elevated finish, and epoxy flooring in the two-car garage. Meanwhile the FULLY FENCED BACKYARD with white vinyl fencing offers privacy and the perfect outdoor space to relax or entertain. Situated within an intimate neighborhood featuring LOW HOA fees, NO CDD, sidewalks throughout, and spacious homesites, Riverside Reserve offers a peaceful community atmosphere while remaining close to everything Central Florida has to offer. Located just minutes from Downtown Sanford, residents enjoy access to the scenic Riverwalk along Lake Monroe, boutique shopping with vibrant scene and popular dining destinations. Nearby attractions also include the Central Florida Zoo & Botanical Gardens, with convenient access to Lake Mary, Oviedo, Winter Springs, Orlando, and New Smyrna Beach just 45 minutes away. Positioned within the highly rated Seminole County School District and benefiting from the continued growth surrounding the expanding Orlando Sanford International Airport, this move-in-ready home offers outstanding value, making this an incredible opportunity to own a turnkey property in one of Central Florida’s fastest-growing areas. NEED 100% FINANCING THIS HOME QUALIFIES FOR USDA HOME LOAN. ALSO ASK ABOUT 5% DOWN PAYMENT ASSISTANCE FOR FHA LOANS THROUGH OUR PREFERRED LENDER.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary, Florida
  • Year Built: 2020
  • Garage: 2-car Driveway, Garage Door Opener, Open, Parking Pad
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,823
  • Acreage: 0.15
  • Est. Taxes: $3,088
  • HOA Fee: $210 Quarterly
  • Lot Desc: Cleared, Level, Sidewalk
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: O6410865
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/O6410865/3595lazyriverterrace_sanford_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 7/9/2026 2:38:10 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 407-696-8000

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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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3595 LAZY RIVER TERRACE, Sanford, FL, 32771

$385,000

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 $308,000 $308,000 $308,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.650% 5.972%
Monthly Tax Payment $257 $257 $257
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,871 $1,947 $2,558
Total Monthly Payment $2,203 $2,279 $2,890

* 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.