
460 HARBOUR ISLAND ROAD, ORLANDO, FL, 32809
Active2 days on marketListed Sep 1, 2026MLS #O6436130
About this home
460 HARBOUR ISLAND ROAD
PRIME SOUTH ORLANDO WATERFRONT LIVING WITH NAVIGABLE ACCESS TO THE CONWAY CHAIN OF LAKES! Welcome to 460 Harbour Island Road, where waterfront living, boating, entertaining, and an exceptional South Orlando location come together to create a special Central Florida lifestyle. This unique 3-bedroom, 3-bath home with a private Mother-in-Law Suite offers approximately 1,653 square feet of living space, a generous homesite, a spectacular screened pool, and wonderful lakefront/canal frontage with navigable access to the beautiful Conway Chain of Lakes. For boating and water enthusiasts, this property is an incredible find! Situated directly along the navigable canal leading to the Conway Chain of Lakes, you'll have the opportunity to spend your days boating, fishing, skiing, paddleboarding, or simply cruising the sparkling waters beneath the Florida sunshine. Private boat ramp access makes enjoying the lake lifestyle even easier. Imagine starting your mornings overlooking the peaceful water and ending the day with a relaxing sunset cruise. Step inside and you'll immediately appreciate the home's open, bright, and welcoming atmosphere. The updated kitchen is designed for everyday living and entertaining, featuring loads of cabinetry for exceptional storage, generous workspace, and an open design that connects beautifully with the surrounding living areas. Abundant natural light enhances the spacious feel, creating an inviting heart of the home where family and friends can gather. The versatile floor plan is enhanced by a Mother-in-Law Suite, offering possibilities for extended family, overnight guests, a private home office, or separate living accommodations. With three bedrooms and three full bathrooms, the home provides flexibility and privacy for a variety of lifestyles. Outside is where this home truly captures the essence of Florida living. A beautiful, oversized screened swimming pool creates your own private retreat, complemented by a large covered sitting porch with plenty of room for outdoor dining, comfortable seating, weekend barbecues, and entertaining. Whether enjoying morning coffee overlooking the water, relaxing poolside, or hosting friends for an evening gathering, this expansive outdoor area was made to be enjoyed. The combination of the huge screened pool, covered porch, waterfront setting, and navigable canal creates an exceptional indoor-outdoor lifestyle. Spend the afternoon in the pool, launch the boat for an evening on the Conway Chain, or simply enjoy the peaceful waterfront surroundings from your own backyard. And the location is hard to beat! Conveniently situated in South Orlando, you're just minutes from Downtown Orlando, Orlando International Airport, major highways, shopping, dining, entertainment, parks, and everything Central Florida has to offer. 460 Harbour Island Road is more than a home—it's a true Florida lifestyle opportunity. With its updated kitchen, abundant cabinetry, bright open interior, Mother-in-Law Suite, waterfront setting, navigable canal to the Conway Chain of Lakes, private boat access, huge screened pool, expansive covered sitting porch, and outstanding South Orlando location, this distinctive property offers an irresistible combination of comfort, versatility, recreation, and waterfront living. Bring the boat, grab your swimsuit, and come experience the Conway Chain of Lakes lifestyle!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,653
Sqft
0.33 ac
Lot size
1972
Year built
One
Levels
$420
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.
$4,451 /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
$4,451/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.
$/sqft vs Orlando actives
$420 vs $250
Days on market
2 vs 42 typical
Where $420/sqft sits among the 400 Orlando 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 River Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
River Oaks — neighborhood snapshot
Population
112
Median age
50
Median income
$129,524
Median home value
$590,400
Avg household
2
Households w/ children
12%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $395K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
217 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 329% above the ORLANDO 32809 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 460 HARBOUR ISLAND ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$550,000
316 HARBOUR ISLAND ROAD · same community
4 bd · 2 ba · 1,843 sqft · $298/sqft · 102 DOM
Sold · Jun ’26$499,500
332 HARBOUR ISLAND ROAD · same community
3 bd · 2.5 ba · 1,885 sqft · $265/sqft · 25 DOM
Sold · Jul ’26$981,102
428 HARBOUR ISLAND ROAD · same community
3 bd · 2 ba · 2,109 sqft · $465/sqft · 2 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 460 HARBOUR ISLAND ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 460 HARBOUR ISLAND ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
460 HARBOUR ISLAND ROAD FAQs
What would the monthly payment be for 460 HARBOUR ISLAND ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,451/mo — principal and interest, the actual property-tax bill, the $8/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 460 HARBOUR ISLAND ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 460 HARBOUR ISLAND ROAD?+
The most recent tax bill on record (2025) was $3,271. 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 460 HARBOUR ISLAND ROAD?+
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 $695,000, this home is listed about 80% above the Orlando median of $385,250. The market section on this page shows how the area is trending.
Which schools are assigned to 460 HARBOUR ISLAND ROAD?+
Pershing School (elementary), William R Boone High (high) — Orange 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
$695,000 runs 329% above the ORLANDO 32809 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Orlando market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BEAR TEAM REAL ESTATE · Bethanne Baer. MLS #O6436130.
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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