204 HARBOR DRIVE, WINTER GARDEN, FL, 34787
Active22 days on marketListed Oct 3, 2026MLS #O6445377
About this home
204 HARBOR DRIVE
GOLF CART LIVING IN DOWNTOWN WINTER GARDEN! Welcome to 204 Harbor Drive, a single-story pool home in Winter Garden's sought-after Golf Cart District. Hop in your cart and head to historic Plant Street for dinner, the Saturday Farmers Market, or a morning ride on the West Orange Trail, and leave the car in the garage. This home boasts vaulted ceilings, a skylight, and ceiling fans give the open living area a bright, airy feel. A corner slate-tile fireplace with a wood mantel anchors the room, and a custom built-in wood bookcase wall adds warmth and storage. French doors open to the pool, so indoor and outdoor living flow together. The kitchen features rich wood cabinetry, countertops updated in 2016, a tile backsplash, stainless steel appliances, and a pantry, and it opens to the main living area for easy entertaining. Easy-care tile flooring runs throughout the main living spaces. The screened pool and spa are the centerpiece of the backyard, resurfaced and retiled in 2021, with cafe lighting for evening swims and gatherings. The larger backyard is fully fenced with a 6' white vinyl privacy fence (2020), a double swing gate on one side, and a pedestrian gate on the other. Mature trees and plenty of green space make room for pets, play, or a garden. The two-car garage has a newer door (2018), and the wide driveway offers ample parking. PEACE OF MIND, MAJOR UPDATES DONE: - Whole-home automatic standby generator (2023) with new interior and exterior electrical panels and automatic transfer capability, powered by a buried 500-gallon propane tank - Brand-new HVAC system (2025), a complete replacement with new ductwork and added return air vents - Architectural shingle roof (2016) - Whole-home repipe (2014) LOCATION: Tucked into a quiet neighborhood with green space and a pond nearby, with Lake Apopka visible on the horizon. Winter Garden has grown from a sleepy citrus town into one of Central Florida's most livable communities: - Plant Street and Historic Downtown: brick-paved main street with shops, restaurants, breweries, and the Garden Theatre - Plant Street Market: air-conditioned food hall open seven days a week with 20+ vendors and a craft brewery - Saturday Farmers Market: a beloved weekly tradition - West Orange Trail: 22 miles of flat, shaded, paved trail through downtown - Lake Apopka and Newton Park: a short golf cart ride away - Winter Garden Village: open-air shopping and dining just south of downtown - About 20 minutes to downtown Orlando, with convenient routes to Walt Disney World and major highways A downtown location, golf cart access, a screened pool and spa, a new A/C, and a whole-home generator rarely come together in one home. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,522
Sqft
0.3 ac
Lot size
2
Garage
1988
Year built
One
Levels
$380
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.
$4,238 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,238/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+23.7%
$/sqft vs Winter Garden actives
$380 vs $260
Days on market
22 vs 60 typical
Where $380/sqft sits among the 400 Winter Garden 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 The Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
The Harbor — neighborhood snapshot
Population
762
Median age
40
Median income
$69,779
Median home value
$446,100
Avg household
2
Households w/ children
101
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
204 of 400
Winter Garden actives have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$320,000
15350 OAK APPLE COURT UNIT 17B
3 bd · 2.5 ba · 1,544 sqft · $207/sqft · 6 DOM
Sold · Aug ’26$350,000
15340 OAK APPLE COURT COURT UNIT 16B
3 bd · 2.5 ba · 1,544 sqft · $227/sqft · 8 DOM
Sold · Dec ’25$340,000
1325 BROKEN OAK DRIVE UNIT 51C
3 bd · 2.5 ba · 1,545 sqft · $220/sqft · 22 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 204 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
204 HARBOR DRIVE FAQs
What would the monthly payment be for 204 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,238/mo — principal and interest, the actual property-tax bill, the $25/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 204 HARBOR DRIVE?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 204 HARBOR DRIVE?+
The most recent tax bill on record (2025) was $2,306. 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 204 HARBOR DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Winter Garden?+
At $579,000, this home is listed about 3% below the Winter Garden median of $595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 204 HARBOR DRIVE?+
Lakeview Middle (middle), Tildenville Elementary (elementary), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of METROPOLIS R.E. SOLUTIONS, LLC · Adam Judd. MLS #O6445377.
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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