3531 PINE OAK TRAIL, SANFORD, FL, 32773
Active56 days on marketListed May 28, 2026MLS #O6410892
About this home
3531 PINE OAK TRAIL
Rare opportunity to own a spacious END-UNIT townhome in the GATED community of Magnolia Club, featuring one of the larger floor plans in the neighborhood and peaceful WATER VIEWS from the rear of the home. With extra privacy beside open green space and an inviting OPEN-CONCEPT design, this home blends comfort, function, and location. Spacious CAR GARAGE. Inside, the main living area seamlessly connects the living room, dining room, and kitchen, creating a bright and versatile layout ideal for everyday living and entertaining. The BEAUTIFUL KITCHEN is upgraded with STAINLESS STEEL appliances, GRANITE countertops, and a BREAKFAST BAR overlooking the main living space. Just beyond the dining area, enjoy relaxing WATER VIEWS from the back of the home. The first floor also features a full-size laundry room with shelving and additional storage space. Upstairs, you’ll find SPACIOUS BEDROOMS with laminate wood flooring, MODERN LIGHTING, and convenient access to a shared full bathroom. The PRIMARY SUITE is privately positioned upstairs and offers a LARGE EN SUITE BATHROOM with generous space to unwind. Residents of Magnolia Club enjoy GATED access, community amenities including a POOL and CLUBHOUSE, and quick access to the 417, Sanford International Airport, shopping, dining, and entertainment. LOW-MAINTENANCE living in a location that keeps you connected to everything Central Florida has to offer.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,530
Sqft
0.03 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$181
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.
$2,566 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,566/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+1%
Days on market
56 vs 29 typical
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 Sanford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sanford. See the full Sanford guide →
SANFORD 32773 — neighborhood snapshot
Population
33,184
Median age
38.2
Median income
$63,496
Median home value
$259,600
Avg household
2.56
Households w/ children
4,114
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sanford market
$354K → $383K
Sanford median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
Median sold price, Sanford, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3531 PINE OAK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3531 PINE OAK TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3531 PINE OAK TRAIL FAQs
What would the monthly payment be for 3531 PINE OAK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,566/mo — principal and interest, the actual property-tax bill, the $337/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 3531 PINE OAK TRAIL?+
The association fee works out to $337 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3531 PINE OAK TRAIL?+
The most recent tax bill on record (2025) was $3,788. 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 3531 PINE OAK TRAIL?+
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 Sanford?+
At $277,000, this home is listed about 24% below the Sanford median of $365,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3531 PINE OAK TRAIL?+
Lake Mary High School (high), Highlands Elementary School (elementary), Greenwood Lakes Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Garden & Water views
The garden and water view is part of what you're buying — views hold value independently of the structure.
02Strong assigned schools
Lake Mary High School, Highlands Elementary School, Greenwood Lakes Middle School — Highlands Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $289,900, now $277,000 — a $13K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER REALTY · David Plasencia, LLC. MLS #O6410892.
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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