CENTURY 21 Edge
$695,0003 bd3 ba1,653 sqft$420 /sqft$4,451 /mo all-in ↓

460 HARBOUR ISLAND ROAD, ORLANDO, FL, 32809

Active2 days on marketListed Sep 1, 2026MLS #O6436130

WaterfrontPrivate poolSingle Family ResidenceRIVER OAKS

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

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Laminate · Tile
AppliancesDishwasher · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator
InteriorAccessibility Features · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat
LaundryInside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofBuilt-Up · Other · Shingle
ConstructionBlock · Concrete · Wood Siding
FoundationSlab
ViewPool · Water
FacesNorth
ParkingBath In Garage · Converted Garage · Driveway · Garage Faces Side · Off Street · Oversized · Parking Pad
ExteriorFrench Doors · Irrigation System · Lighting · Private Entrance · Private Yard · Sidewalk

Community & fees

HOA fee$8/mo
Taxes (2025)$3,271/yr
PetsCats OK, Dogs OK, Yes
CommunityLake · Water Access · Deed Restrictions · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Phone Available · Public · Street Lights · Water Available · Water Connected
WaterCanal/Lake For Irrigation · Public

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%

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property tax — 2025 actual bill$273
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,500Loan30-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% · $69,500
Interest rate6.00%
Loan term

Estimated payment

$4,451/mo

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property taxes (actual bill)$273
HOA / condo fee$8
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.

$/sqft vs Orlando actives

$420 vs $250

Days on market

2 vs 42 typical

Where $420/sqft sits among the 400 Orlando actives

100
122
107
30
14 · this home
27
$144–200$200–257$257–313$313–369$369–426$426+

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

Downtown Orlando8 min
Orlando Int’l Airport (MCO)16 min
Universal Orlando19 min
Walt Disney World29 min

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

ElementaryPershing School★★★★★
HighWilliam R Boone High★★★★★

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

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)

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

Sep 1, 2026Listed at $695,000 · 2 days on market since
1972Built · RIVER OAKS

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.

316 HARBOUR ISLAND ROADSold · Feb ’26

$550,000

316 HARBOUR ISLAND ROAD · same community

4 bd · 2 ba · 1,843 sqft · $298/sqft · 102 DOM

332 HARBOUR ISLAND ROADSold · Jun ’26

$499,500

332 HARBOUR ISLAND ROAD · same community

3 bd · 2.5 ba · 1,885 sqft · $265/sqft · 25 DOM

428 HARBOUR ISLAND ROADSold · 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.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 460 HARBOUR ISLAND ROAD — start here.

Andrew Acosta

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.

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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