
438 HARBOUR OAKS POINTE DRIVE, ORLANDO, FL, 32809
Active42 days on marketListed Sep 8, 2026MLS #O6439794
About this home
438 HARBOUR OAKS POINTE DRIVE
Virtually Staged. Experience an exceptional waterfront lifestyle in this beautifully appointed two-story home, ideally situated on a wide canal with direct access to the highly sought-after Conway Chain of Lakes. Located in the desirable Harbour Oaks Pointe community just off Lake Conway Drive and minutes from South Orange Avenue, this property offers the perfect blend of elegance, privacy, convenience, and year-round Florida living. From the moment you enter, the impressive two-story living room creates a dramatic first impression, complemented by a warm gas fireplace and an abundance of natural light. The open and spacious floor plan flows effortlessly into the beautifully upgraded kitchen, featuring granite countertops, top-of-the-line appliances, and a custom mosaic backsplash accented with hand-dipped brick for a distinctive designer touch. Throughout the home, upgraded high-end light fixtures add elegance and character, while Italian floor tile in both the primary suite and guest bedroom elevates the interior finishes. One of the bedrooms offers a truly unexpected feature—a hidden secret room, providing a fun and versatile space that can be transformed into a playroom, gaming room, media space, creative studio, or private retreat. Additional features include rich wood and travertine flooring, central vacuum, two built-in entertainment centers, an interior laundry room with utility sink and cabinetry, and a spacious loft ideal for a media room, office, playroom, or additional living space. The outdoor living experience is equally impressive. A screened and enclosed pool overlooks the peaceful canal, creating a private setting for relaxing, entertaining, or enjoying the Florida sunshine. Just beyond the pool, a private boat dock and boathouse provide direct access to the Conway Chain of Lakes—an exceptional opportunity for boating, fishing, watersports, and sunset cruises right from your own backyard. Conveniently located near major roads, shopping, dining, downtown Orlando, and Orlando International Airport, the Conway area is prized for its established residential character and rare combination of lakefront living and urban convenience. Offering generous living space, custom finishes, unique architectural details, a private pool, and direct canal access to one of Orlando's most desirable boating destinations, this exceptional residence delivers a truly distinctive Florida lifestyle—with a few surprises waiting to be discovered. Contact today for your private showing.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,221
Sqft
0.35 ac
Lot size
2
Garage
2008
Year built
Two
Levels
$419
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.
$8,739 /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
$8,739/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.
vs edgeAI estimate
+47.4%
$/sqft vs Orlando actives
$419 vs $238
Days on market
42 vs 61 typical
Where $419/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 Harbour Oaks Pointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Harbour Oaks Pointe — neighborhood snapshot
Population
255
Median age
50
Median income
$76,538
Median home value
$419,800
Avg household
2
Households w/ children
35%
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
97.1%
Sale-to-list ratio (12 mo)
211 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 785% above the ORLANDO 32809 median. See the full Orlando market guide →
Paper trail
This home's history
Reality check
What actually sold near 438 HARBOUR OAKS POINTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,212,500
437 HARBOUR OAKS POINTE DRIVE · same community
4 bd · 2.5 ba · 2,924 sqft · $415/sqft · 87 DOM
Sold · Nov ’25$910,000
413 HARBOUR OAKS POINTE DRIVE · same community
3 bd · 2.5 ba · 2,726 sqft · $334/sqft · 101 DOM
Sold · Oct ’25$1,265,000
500 LINSON COURT
4 bd · 4 ba · 3,175 sqft · $398/sqft · 38 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 438 HARBOUR OAKS POINTE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 HARBOUR OAKS POINTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
438 HARBOUR OAKS POINTE DRIVE FAQs
What would the monthly payment be for 438 HARBOUR OAKS POINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,739/mo — principal and interest, the actual property-tax bill, the $108/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 438 HARBOUR OAKS POINTE DRIVE?+
The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 438 HARBOUR OAKS POINTE DRIVE?+
The most recent tax bill on record (2025) was $8,161. 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 438 HARBOUR OAKS POINTE DRIVE?+
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 Orlando?+
At $1,350,000, this home is listed about 255% above the Orlando median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 438 HARBOUR OAKS POINTE DRIVE?+
Pershing School (elementary), Oak Ridge 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
$1,350,000 runs 785% above the ORLANDO 32809 median — but at 3,221 sqft it's also nearly twice the size of the typical Orlando listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $1,395,000, now $1,350,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Miguel Anastacio. MLS #O6439794.
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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