2636 REAGAN TRAIL, LAKE MARY, FL, 32746
Active12 days on marketListed Jul 25, 2026MLS #O6427372
About this home
2636 REAGAN TRAIL
Never before offered for sale, this extraordinary six-acre lakefront estate presents a once-in-a-generation opportunity to acquire one of Lake Mary's most remarkable legacy properties. Set behind the private gates of The Cove, yet uniquely exempt from the community's HOA, the estate is hidden at the end of a long, tree-lined private drive where the landscape unfolds dramatically to reveal more than 800 feet of pristine Crystal Lake shoreline. Spectacular sunset views, abundant wildlife and the timeless beauty of Old Florida create a setting that has become exceedingly rare. High and dry with an expansive homesite overlooking the water, the property offers exceptional flexibility for those envisioning a custom waterfront estate unlike anything else in the area. Whether designing a grand primary residence with a guest house, resort-inspired outdoor living, expansive garages or recreational amenities, the scale, privacy and extraordinary waterfront frontage provide an unparalleled foundation for a truly exceptional estate. The existing century-old home reflects the property's rich history, while a detached two-car garage with an attached bonus room and a separate four-car garage complete with a workshop and expansive storage room provide immediate functionality while future plans take shape. What truly distinguishes this offering is the rare balance of privacy and convenience. Enjoy the exclusivity and security of a gated community without the limitations of HOA restrictions, an increasingly uncommon advantage for luxury buyers seeking the freedom to create a deeply personalized estate. Located just minutes from Lake Mary's thriving Midtown district, residents enjoy an exceptional collection of acclaimed restaurants, boutique shopping, cafés, entertainment, fitness studios and community events, while nearby Interstate 4, SR 417 and the Wekiva Parkway provide effortless access to downtown Orlando, area airports, world-famous attractions, pristine beaches and the very best of Central Florida. Properties of this significance are rarely available, especially those remaining in the same family and offered to the public for the very first time. Combining more than 800 feet of Crystal Lake shoreline, six picturesque acres, remarkable privacy, spectacular sunsets and one of Lake Mary's most desirable locations, 2636 Reagan Trail presents a once-in-a-generation opportunity to create a waterfront estate that will be cherished for generations to come.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,089
Sqft
6.06 ac
Lot size
6
Garage
1930
Year built
One
Levels
$1,436
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 — not generic estimates.
$18,042 /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
$18,042/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
+652.8%
$/sqft vs Lake Mary actives
$1,436 vs $237
Days on market
12 vs 42 typical
Where $1,436/sqft sits among the 159 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 The Cove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Mary. See the full Lake Mary guide →
The Cove — neighborhood snapshot
Population
1,329
Median age
44
Median income
$112,292
Median home value
$335,800
Avg household
3
Households w/ children
198
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
96.9%
Sale-to-list ratio (12 mo)
93 of 159
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 652% 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 2636 REAGAN TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,800,000
1219 SE 15th Avenue, Deerfield Beach FL 33441 · same community
3 bd · 2 ba · 2,289 sqft · $786/sqft · 23 DOM
Sold · Jun ’26$870,000
1581 SE 4th Court, Deerfield Beach FL 33441 · same community
3 bd · 2 ba · 1,860 sqft · $468/sqft · 18 DOM
Sold · Sep ’25$905,000
1420 SE 13 Street, Deerfield Beach FL 33441 · same community
4 bd · 2 ba · 1,825 sqft · $496/sqft · 29 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2636 REAGAN TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2636 REAGAN TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
2636 REAGAN TRAIL FAQs
What would the monthly payment be for 2636 REAGAN TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,042/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2636 REAGAN TRAIL?+
The most recent tax bill on record (2025) was $6,833. 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 2636 REAGAN 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 Lake Mary?+
At $3,000,000, this home is listed about 594% above the Lake Mary median of $432,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2636 REAGAN TRAIL?+
Wicklow Elementary School (elementary), Seminole High School (high), Crystal Lake Elementary School (elementary), Millennium Middle School (middle) — Seminole County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Mel Bernstein. MLS #O6427372.
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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