1090 HARBOR RIDGE DRIVE, POINCIANA, FL, 34759
Active68 days on marketListed Aug 31, 2026MLS #G5117095
About this home
1090 HARBOR RIDGE DRIVE
Virtually Staged. Experience resort-style living in Solivita, one of Central Florida’s premier 55+ communities! This beautifully maintained, move-in-ready home offers 1,703 sq. ft. of living space with peaceful conservation views, 2 bedrooms, 2 bathrooms, and a versatile flex room ideal for an office, den, or hobby space. The open floor plan and split-bedroom layout provide comfort and privacy. The kitchen features upgraded stainless steel appliances, including an induction cooktop and convection oven, beautiful cabinetry, ample storage, and granite countertops. Granite countertops also enhance both bathrooms. The private primary suite overlooks the conservation area, while the guest bedroom includes a convenient Murphy bed. Enjoy the extended screened lanai and additional pavered space perfect for grilling and outdoor dining. Additional features include window inserts designed for compatible bolt-on storm protection and a roof-mounted lightning rod with a lightning protection system. Solivita offers an exceptional array of amenities, including fitness centers, indoor and outdoor pools, tennis, pickleball, golf, restaurants, clubs, activities, and scenic walking trails. HOA benefits include landscaping maintenance, irrigation, cable TV, and high-speed internet. Conveniently located near shopping, dining, medical facilities, and Central Florida attractions, this home is ready for you to enjoy the Florida lifestyle. Why just live in Florida when you can feel like you’re on vacation every day? Take the virtual tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,703
Sqft
0.12 ac
Lot size
2
Garage
2015
Year built
One
Levels
$190
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.
$3,381 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,381/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+9.9%
$/sqft vs Poinciana actives
$190 vs $180
Days on market
68 vs 36 typical
Where $190/sqft sits among the 281 Poinciana 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 Solivita
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Poinciana. See the full Poinciana guide →
Solivita — neighborhood snapshot
Population
6,902
Median age
71
Median income
$71,974
Median home value
$348,550
Avg household
2
Households w/ children
34%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Poinciana market
$290K → $291K
Poinciana median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
104 of 281
Poinciana actives have cut their price
Median sold price, Poinciana, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the POINCIANA 34759 median. See the full Poinciana market guide →
Paper trail
This home's history
Reality check
What actually sold near 1090 HARBOR RIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$260,000
1423 HARBOR RIDGE DRIVE · same community
2 bd · 2 ba · 1,703 sqft · $153/sqft · 0 DOM
Sold · Nov ’25$320,000
1703 ENCINITAS WAY · same community
2 bd · 2 ba · 1,703 sqft · $188/sqft · 131 DOM
Sold · May ’26$314,000
1689 TRABUCO CANYON COURT · same community
2 bd · 2 ba · 1,719 sqft · $183/sqft · 105 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1090 HARBOR RIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1090 HARBOR RIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1090 HARBOR RIDGE DRIVE FAQs
What would the monthly payment be for 1090 HARBOR RIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,381/mo — principal and interest, the actual property-tax bill, the $426/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 1090 HARBOR RIDGE DRIVE?+
The association fee works out to $426 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1090 HARBOR RIDGE DRIVE?+
The most recent tax bill on record (2025) was $5,124. 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 1090 HARBOR RIDGE DRIVE?+
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 Poinciana?+
At $324,000, this home is listed about 18% above the Poinciana median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1090 HARBOR RIDGE DRIVE?+
Palmetto Elementary School (elementary), Lake Marion Creek Middle School (middle), Haines City Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$324,000 runs 51% above the POINCIANA 34759 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $330,000, now $324,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ERA GRIZZARD REAL ESTATE · Brian Smith. MLS #G5117095.
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.
Never miss a listing
New Poinciana homes, in your inbox
Like 1090 HARBOR RIDGE DRIVE but not quite? A daily digest of every new listing in Poinciana — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →