CENTURY 21 Edge
$645,000$650,0005 bd4 ba3,763 sqft$171 /sqft$4,696 /mo all-in ↓

32 CLEAR HARBOR COURT, APOPKA, FL, 32703

Active31 days on marketListed Aug 20, 2026MLS #O6433280

Reduced $5KSingle Family ResidenceCLEAR LAKE ESTATES

Come see it

Upcoming open house

Sun, Sep 20

12:00 PM – 3:00 PM

About this home

32 CLEAR HARBOR COURT

Welcome to 32 Clear Harbor Ct, a beautifully maintained 5-bedroom, 4-bath home offering nearly 3,800 square feet of living space, a 3-car garage and an oversized .38-acre cul-de-sac lot in a gated Apopka community. With generous living spaces, a flexible floor plan and impressive energy-saving features, this home offers plenty of room to live, entertain and make your own! Just off the entry, the formal living room offers wonderful flexibility and can easily serve as a sitting room, home office, or reading area. Across the way, the formal dining room provides an inviting setting for holiday dinners, celebrations and gatherings with family and friends. Continue into the heart of the home, where the spacious kitchen opens to the main living area. The kitchen features an abundance of cabinetry and expansive counter space to satisfy even the most discerning cook, with plenty of room for meal preparation, storage and gathering. The adjoining family room offers generous space to relax and features a fireplace, adding warmth and character to the heart of the home. Positioned on the first floor, the spacious primary suite provides a relaxing retreat from the main living areas. The well-appointed primary bath features dual vanities, a large soaking tub and a separate walk-in shower, offering plenty of space for both busy mornings and unwinding at the end of the day. A generous walk-in closet completes the suite. Also located on the first floor is an additional bedroom with convenient access to a full bathroom, creating a wonderful option for guests, extended family or anyone who prefers to avoid stairs. Adding to the home's everyday functionality is a separate inside laundry room featuring ample cabinet storage and a convenient utility sink, providing plenty of space to keep laundry supplies organized and out of sight. Head upstairs and you'll discover even more room to spread out. Additional bedrooms provide comfortable accommodations for family and guests, while one upstairs bedroom features its own private ensuite bathroom—a fantastic option for overnight guests, older children or multigenerational living. A large bonus room provides another flexible living space and could easily become a media room, game room, playroom, home gym or second family room. Back downstairs, French doors lead to the enclosed porch and expansive backyard. Situated on an oversized .38-acre homesite, there's plenty of room for outdoor entertaining, pets, gardening or creating the backyard retreat you've always envisioned. Mature landscaping and established trees add privacy and character, while the cul-de-sac setting adds to the home's appeal. Another standout feature is the home's solar energy system, which will be PAID IN FULL by the seller at closing, allowing the new owner to enjoy the benefits of solar without assuming a solar loan. The system also includes TWO BATTERY STORAGE UNITS, providing the added benefit of stored power—an especially desirable feature for Florida living. Additional highlights include a newer roof permitted in 2022, high ceilings, walk-in closets and a 3-car attached garage. Beautifully maintained and thoughtfully designed, this home brings together a versatile floor plan, generous living spaces, an oversized homesite and paid-off solar with battery storage—all tucked away on a cul-de-sac in a gated community. Come experience the space, flexibility and features that make 32 Clear Harbor Ct a wonderful place to call home.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,763

Sqft

0.38 ac

Lot size

3

Garage

2005

Year built

Two

Levels

$171

Per sqft

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesNortheast
ExteriorFrench Doors · Irrigation System · Lighting · Rain Gutters · Sidewalk

Community & fees

HOA fee$147/mo
Taxes (2025)$7,996/yr
PetsYes
CommunityGated Community - No Guard · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · 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.

$4,696 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,480
PMI (est., until 20% equity)$242
Property tax — 2025 actual bill$666
HOA fee — from the listing$147
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,500Loan30-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% · $64,500
Interest rate6.00%
Loan term

Estimated payment

$4,696/mo

Principal & interest$3,480
PMI (est., until 20% equity)$242
Property taxes (actual bill)$666
HOA / condo fee$147
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 $645K
$599KedgeAI estimate $746,973 · range $624K$874K$909K

vs edgeAI estimate

−13.7%

$/sqft vs Apopka actives

$171 vs $217

Days on market

31 vs 40 typical

Where $171/sqft sits among the 400 Apopka actives

98 · this home
166
81
27
5
23
$158–195$195–232$232–269$269–306$306–342$342+

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 Apopka

Drive times from this address

Downtown Orlando28 min
Universal Orlando33 min
Walt Disney World39 min
Orlando Int’l Airport (MCO)45 min

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

Get to know Apopka. See the full Apopka guide →

APOPKA 32703 — neighborhood snapshot

Population

57,603

Median age

37.9

Median income

$70,338

Median home value

$314,800

Avg household

2.78

Households w/ children

7,169

For the school run

Orange County School District

ElementaryPhillis Wheatley Elementary★★★★
HighWekiva High★★★★
MiddleWolf Lake Middle★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apopka market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$399K$405K

Apopka median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

214 of 400

Apopka actives have cut their price

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

This home is listed 76% above the APOPKA 32703 median. See the full Apopka market guide →

Paper trail

This home's history

CurrentPrice reduced to $645,000 $5K
Aug 20, 2026Listed at $650,000 · 31 days on market since
2005Built · CLEAR LAKE ESTATES

Reality check

What actually sold near 32 CLEAR HARBOR COURT

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

2551 WYNDAM BAY PLACESold · Jul ’26

$675,000

2551 WYNDAM BAY PLACE · same community

5 bd · 4 ba · 3,663 sqft · $184/sqft · 73 DOM

1514 PINECLIFF DRIVESold · Nov ’25

$987,478

1514 PINECLIFF DRIVE

5 bd · 4 ba · 3,982 sqft · $248/sqft · 136 DOM

1772 STONECLIFF DRIVESold · Aug ’26

$968,616

1772 STONECLIFF DRIVE

5 bd · 4 ba · 3,987 sqft · $243/sqft · 50 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 32 CLEAR HARBOR COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 32 CLEAR HARBOR COURT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

32 CLEAR HARBOR COURT FAQs

What would the monthly payment be for 32 CLEAR HARBOR COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,696/mo — principal and interest, the actual property-tax bill, the $147/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 32 CLEAR HARBOR COURT?+

The association fee works out to $147 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 32 CLEAR HARBOR COURT?+

The most recent tax bill on record (2025) was $7,996. 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 32 CLEAR HARBOR COURT?+

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 Apopka?+

At $645,000, this home is listed about 43% above the Apopka median of $450,000. The market section on this page shows how the area is trending.

Which schools are assigned to 32 CLEAR HARBOR COURT?+

Phillis Wheatley Elementary (elementary), Wekiva High (high), Wolf Lake Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Jean Scott. MLS #O6433280.

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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