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Overview

5 bd4 ba3,221 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,295/yr
Built2008
Lot15,050 sqft
Living area3,221 sqft
Price / sqft$433
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumCrown MoldingHigh CeilingsPrimary Bedroom Main FloorTray Ceiling(s)Rain Gutters

438 Harbour Oaks Pointe Dr is a 2008-built home in Harbour Oaks Pointe, Orlando. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,221 square feet of living space. Listed at $1,395,000 (about $433/sqft), 11 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,295 annually.

From the listing

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.

The essentials

Built
2008
Price / sqft
$433
On market
30 days
Annual tax
$8,161
HOA
$1,295/yr
Flood zone
X · Low risk
Lot
15,050 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Water views
Water
Private pool
Child Safety Fence
2 car garage
0.35 acres
Lot size

Payment

Est. monthly payment
$8,760/mo
Down payment (20%)
$279,000
Property taxes
$680/mo
HOA
$1,295/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
15,050 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Child Safety Fence, Gunite, In Ground, Screen Enclosure
Days on Market
30
Built-in Features
Ceiling Fans(s)
Central Vaccum
Crown Molding
High Ceilings
Primary Bedroom Main Floor
Tray Ceiling(s)
Rain Gutters
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Pershing Elem
Middle
PERSHING K-8
High
Oak Ridge High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$8,161
Parcel #
13-23-29-3391-00-130

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbour Oaks Pointe
County
Orange
MLS Area
32809 - Orlando/Pinecastle/Oakridge/ Edgewood
Lot Size
15,050 sqft
HOA
$1,295/yr
Harbour Oaks HOA

Price history

Date
Event
Price
9/8/2026
Listed for sale
Source: Stellar MLS #O6439794
$1,395,000
$433/sqft

Neighborhood

438 Harbour Oaks Pointe Dr
Orlando, FL, 32809 · 32809 - Orlando/Pinecastle/Oakridge/ Edgewood

Market insights

Offer Insights

Choose an offer strength

List price: $1,395,000
$1.39M – $1.40M
99.5% – 100% of listTops out right at the list price
80% of listList price
40 of the last 77 home closings in 32809 landed at this number or higher (52%). The median one sat 23 days before it went under contract, and this one is on day 30.

Sample: 77 closed home sales in 32809 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$8,761/mo
Principal & interest$7,275
Property taxes$680
Insurance$698
HOA$108
Down payment20% · $279,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,395,000

$433 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,221 sq ft

Time on market

30 days

Year built

2008

Monthly payment

About $8,760/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,161 annual tax bill, insurance, and the $1,295/yr HOA fee.

HOA fee

$1,295/yr

Managed by Harbour Oaks HOA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Miguel AnastacioListing data from Stellar MLS, MLS# O6439794.

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