126 HARBOR WAY, AUBURNDALE, FL, 33823
Active19 days on marketListed Sep 29, 2026MLS #L4965430
About this home
126 HARBOR WAY
Welcome to 126 Harbor Way, a beautifully maintained and thoughtfully updated 3-bedroom, 2-bath home offering 2,098 square feet of living space in the gated Ariana Harbor community of Auburndale. With beautiful hardwood flooring, inviting living spaces, an updated kitchen, a spacious Florida room, and an impressive collection of upgrades, this home provides a wonderful combination of character, comfort, and convenience. From the moment you step inside, the home feels warm and welcoming. Beautiful hardwood floors, tray ceilings, and thoughtful architectural details create an inviting atmosphere, while the main living area features a fireplace that serves as a natural gathering place. The floor plan offers plenty of flexibility with multiple living and dining spaces, making it easy to enjoy everyday life or entertain guests. The beautifully updated kitchen features rich cabinetry, stone countertops, stainless steel appliances, an attractive backsplash, and generous counter space. A convenient breakfast bar and adjoining breakfast nook provide comfortable options for casual dining, while the separate formal dining room is perfect for hosting gatherings and special occasions. The home features three spacious bedrooms, including one currently configured as an office with built-in bookshelves and a custom desk. This versatile room is ideal for working from home, a private library, or additional bedroom space. The primary suite features a tray ceiling and generous proportions, while the bathrooms offer thoughtful features, including a jetted soaking tub. One of the home's standout features is the Florida room, providing an additional comfortable space to relax and unwind. Complete with its own electric fireplace, this area is perfect for a second sitting room, game room, hobby space, or simply enjoying quiet evenings at home. Outdoors, a pergola-covered paver patio creates an inviting setting for grilling, entertaining, or enjoying Florida's beautiful weather. Additional exterior improvements include attractive stone accents, updated gutters, landscape edging, and outdoor lighting. The list of practical upgrades is equally impressive. The home features a recently installed Daikin multi-heat-pump HVAC system, approximately six months old, along with a whole-home Generac 22 kW generator supported by a 250-gallon propane tank. Additional conveniences include an in-house central vacuum system, an interior laundry room with added closet storage, exterior security cameras, an alarm system, and an attached two-car garage with updated flooring and paint. Beyond the home itself, Ariana Harbor offers the added benefits of gated community living, a community swimming pool, tennis courts, clubhouse, and lawn maintenance, allowing residents to spend less time on yardwork and more time enjoying their surroundings. With 2,098 square feet of living space, beautiful hardwood floors, multiple gathering areas, an updated kitchen, dedicated office space, Florida room, whole-home generator, recently upgraded HVAC system, and inviting outdoor living, 126 Harbor Way offers a fantastic combination of functionality and thoughtful improvements in one of Auburndale's established gated communities. Schedule your private showing and experience everything this property has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,098
Sqft
0.15 ac
Lot size
2
Garage
2005
Year built
One
Levels
$164
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.
$2,659 /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
$2,659/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
−8.5%
$/sqft vs Auburndale actives
$164 vs $188
Days on market
19 vs 64 typical
Where $164/sqft sits among the 244 Auburndale 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 Auburndale
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Auburndale. See the full Auburndale guide →
AUBURNDALE 33823 — neighborhood snapshot
Population
39,146
Median age
40.8
Median income
$64,248
Median home value
$234,300
Avg household
2.89
Households w/ children
4,326
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Auburndale market
$316K → $342K
Auburndale median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
137 of 244
Auburndale actives have cut their price
Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the AUBURNDALE 33823 median. See the full Auburndale market guide →
Paper trail
This home's history
Reality check
What actually sold near 126 HARBOR WAY
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$299,900
103 HARBOR WAY · same community
2 bd · 2 ba · 1,883 sqft · $159/sqft · 110 DOM
Sold · Dec ’25$195,000
117 HARBOR WAY · same community
3 bd · 2 ba · 1,584 sqft · $123/sqft · 24 DOM
Sold · Mar ’26$358,999
2426 SLIPPERY ROCK STREET
4 bd · 3 ba · 2,106 sqft · $170/sqft · 11 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 126 HARBOR WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 126 HARBOR WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
126 HARBOR WAY FAQs
What would the monthly payment be for 126 HARBOR WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,659/mo — principal and interest, the actual property-tax bill, the $175/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 126 HARBOR WAY?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 126 HARBOR WAY?+
The most recent tax bill on record (2025) was $1,690. 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 126 HARBOR WAY?+
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 Auburndale?+
At $345,000, this home is listed about 1% above the Auburndale median of $342,990. The market section on this page shows how the area is trending.
Which schools are assigned to 126 HARBOR WAY?+
Lena Vista Elementary School (elementary), Tenoroc High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE MARKET REALTY COMPANY · Brock Jennings. MLS #L4965430.
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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