
657 SHADOWMOSS CIRCLE, LAKE MARY, FL, 32746
Active2 days on marketListed Jul 26, 2026MLS #O6427611
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Upcoming open houses
Sat, Aug 1
12:00 PM – 3:00 PM
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Sun, Aug 2
2:00 PM – 4:00 PM
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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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,204/mo
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.
vs edgeAI estimate
+16.8%
$/sqft vs Lake Mary actives
$417 vs $238
Days on market
2 vs 42 typical
Where $417/sqft sits among the 166 Lake Mary actives
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Mary market
$446K → $488K
Lake Mary median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
95 of 166
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 341% above the LAKE MARY 32746 median. See the full Lake Mary market guide →
Paper trail
This home's history
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.
Sold · Jun ’26$1,499,000
687 SHADOWMOSS CIRCLE · same community
5 bd · 3.5 ba · 3,952 sqft · $379/sqft · 6 DOM
Sold · Jun ’26$1,095,000
328 MAPLEVIEW COURT · same community
4 bd · 3 ba · 3,803 sqft · $288/sqft · 36 DOM
Sold · 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.
Your agent
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 657 SHADOWMOSS CIRCLE — start here.

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 Gavin'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 341% 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 2 days 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.
Keep looking
Similar homes nearby
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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