CENTURY 21 Edge
$610,000$639,9004 bd3 ba2,653 sqft$230 /sqft$4,019 /mo all-in ↓

639 LAKEHAVEN CIRCLE, ORLANDO, FL, 32828

Active193 days on marketListed Jan 30, 2026MLS #O6378276

Reduced $30KWaterfrontPrivate poolSingle Family ResidenceWATERFORD LAKES TR N 30

About this home

639 LAKEHAVEN CIRCLE

Welcome home! This updated and well maintained waterfront 4-bedroom, 3-bath pool home, is where comfort, style, and Florida living come together. Set amid a beautifully landscaped yard, this home is accented by azaleas that bloom each spring, creating a stunning curb appeal. Perfectly positioned to overlook a tranquil pond, the residence offers serene water views and seamless indoor-outdoor living. Step inside to an open floor plan filled with natural light, featuring new interior paint throughout, brand-new carpet in all bedrooms, and plank ceramic tile in the main living areas. The split-bedroom layout provides privacy and flexibility for family and guests. The updated kitchen is both stylish and functional, showcasing all-wood cabinetry, quartz countertops, stainless steel appliances, and a sunny eat-in dining area with picturesque views of the pool—perfect for morning coffee or casual meals. Retreat to the spacious primary suite, complete with sliding glass doors that open directly to the screened lanai and pool. The updated en-suite bath features granite counter tops, a large soaker tub, separate shower, and a generous walk-in closet, creating a true spa-like escape. Outdoor living shines with a screened-in lanai and sparkling pool, enhanced by new pool equipment, all overlooking the peaceful pond—an ideal setting for relaxing evenings or entertaining guests. Additional highlights include a private home office, spacious laundry room, an air-conditioned 2-car garage with sealed flooring, and a bonus air-conditioned storage room offering endless possibilities for a home gym, hobby space, or extra storage. A partially fenced yard on the side of the home provides safety for little ones and/or pets. Major system updates provide confidence and long-term value, including a new roof (2024), whole-house re-plumb (2023), and AC and water heater replaced in 2019.This move-in-ready waterfront home blends thoughtful upgrades, scenic outdoor spaces, and timeless comfort—an exceptional opportunity you won’t want to miss. Located in the highly desirable Waterford Lakes community, HOA amenities include a community pool, clubhouse, basketball/tennis/pickleball courts, playground, walking trail, and dog park. Nearby is Waterford Lakes Town Center complete with shopping, dining and plenty of entertainment options. Close proximity to UCF, Orlando Int'l Airport, theme parks and beaches.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,653

Sqft

0.21 ac

Lot size

2

Garage

1995

Year built

One

Levels

$230

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$23/mo
Taxes (2025)$3,794/yr
PetsCats OK, Dogs OK, Yes
CommunityClubhouse · Deed Restrictions · Dog Park · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Phone Available · Sewer Available · Sewer Connected · Street Lights · Underground Utilities · Water Available · Water Connected
WaterPublic

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.

$4,019 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,292
PMI (est., until 20% equity)$229
Property tax — 2025 actual bill$316
HOA fee — from the listing$23
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $61,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $61,000
Interest rate6.00%
Loan term

Estimated payment

$4,019/mo

Principal & interest$3,292
PMI (est., until 20% equity)$229
Property taxes (actual bill)$316
HOA / condo fee$23
Est. insurance$160

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.

List $610K
$586KedgeAI estimate $634,339 · range $618K$661K$687K

vs edgeAI estimate

−3.8%

$/sqft vs Orlando actives

$230 vs $250

Days on market

193 vs 43 typical

Where $230/sqft sits among the 400 Orlando actives

119
128 · this home
81
31
9
32
$151–212$212–273$273–334$334–395$395–456$456+

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 Orlando

Map of 639 LAKEHAVEN CIRCLE

Drive times from this address

Downtown Orlando17 min
Orlando Int’l Airport (MCO)26 min
Universal Orlando30 min
Walt Disney World42 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Orlando. See the full Orlando guide →

The numbers that matter

The Orlando market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$400K$395K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

189 of 400

Orlando actives have cut their price

Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 40% above the ORLANDO 32828 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $610,000 $30K
Jan 30, 2026Listed at $639,900 · 193 days on market since
1995Built · WATERFORD LAKES TR N 30

Reality check

What actually sold near 639 LAKEHAVEN CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

111 HARBOUR LINKS COURTSold · Mar ’26

$590,000

111 HARBOUR LINKS COURT

4 bd · 2 ba · 2,670 sqft · $221/sqft · 25 DOM

133 LIMERICK COURTSold · Jan ’26

$585,000

133 LIMERICK COURT

4 bd · 4 ba · 2,622 sqft · $223/sqft · 6 DOM

1056 ROYAL SAINT GEORGE DRIVESold · Aug ’25

$484,000

1056 ROYAL SAINT GEORGE DRIVE

4 bd · 2.5 ba · 2,604 sqft · $186/sqft · 120 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.

Frantreshia Miller

Your agent

Frantreshia Miller

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 639 LAKEHAVEN CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 639 LAKEHAVEN CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

639 LAKEHAVEN CIRCLE FAQs

What would the monthly payment be for 639 LAKEHAVEN CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,019/mo — principal and interest, the actual property-tax bill, the $23/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 639 LAKEHAVEN CIRCLE?+

The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 639 LAKEHAVEN CIRCLE?+

The most recent tax bill on record (2025) was $3,794. 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 639 LAKEHAVEN CIRCLE?+

The listing reports pets: Cats OK, Dogs OK, 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 Orlando?+

At $610,000, this home is listed about 56% above the Orlando median of $390,000. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$610,000 runs 40% above the ORLANDO 32828 median — but at 2,653 sqft it's also 66% larger than the typical Orlando listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

193 days on market against a Orlando median of 43 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $639,900, now $610,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Nichole Nelson. MLS #O6378276.

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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