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Overview

3 bd2 ba1,522 sqft2 car garageSingle Family
TypeSingle Family
HOA$300/yr
Built1988
Lot13,167 sqft
Living area1,522 sqft
Price / sqft$380
Garage2 car

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

About this home

Ceiling Fans(s)Solid Surface CountersThermostatWalk-in Closet(s)SidewalkGolf Carts OKDishwasherDisposal

204 Harbor Dr is a 1988-built home in The Harbor, Winter Garden. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,522 square feet of living space. Listed at $579,000 (about $380/sqft), 15 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $300 annually.

From the listing

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!

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The essentials

Built
1988
Price / sqft
$380
On market
15 days
Annual tax
$2,306
HOA
$300/yr
Flood zone
X · Low risk
Lot
13,167 sqft
Type
Single Family Residence

At a glance

Single family
Built 1988
2 car garage
0.30 acres
Lot size
1,522 sqft
Living area

Payment

Est. monthly payment
$3,527/mo
Down payment (20%)
$115,800
Property taxes
$192/mo
HOA
$300/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
13,167 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
15
Ceiling Fans(s)
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Golf Carts OK
Dishwasher
Disposal
Electric Water Heater
Range
Refrigerator
Elementary
Tildenville Elem
Middle
Lakeview Middle
High
West Orange High

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

Flood Zone X
Annual Tax (2025)
$2,306
Parcel #
15-22-27-3375-00-020

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
The Harbor
County
Orange
MLS Area
34787 - Winter Garden/Oakland
Lot Size
13,167 sqft
HOA
$300/yr
SHEILA JOHNSON

Price history

Date
Event
Price
9/28/2026
Listed for sale
Source: Stellar MLS #O6445377
$579,000
$380/sqft

Neighborhood

204 Harbor Dr
Winter Garden, FL, 34787 · 34787 - Winter Garden/Oakland

Market insights

Offer Insights

Choose an offer strength

List price: $579,000
$575,000 – $579,000
99.5% – 100% of listTops out right at the list price
80% of listList price
222 of the last 443 home closings in 34787 landed at this number or higher (50%). The median one sat 22 days before it went under contract, and this one is on day 15.

Sample: 443 closed home sales in 34787 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,526/mo
Principal & interest$3,020
Property taxes$192
Insurance$290
HOA$25
Down payment20% · $115,800
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 includes any condo dues 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

$579,000

$380 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,522 sq ft

Time on market

15 days

Year built

1988

Monthly payment

About $3,527/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,306 annual tax bill, insurance, and the $300/yr HOA fee.

HOA fee

$300/yr

Managed by SHEILA JOHNSON.

Flood zone

Zone X

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

Offer

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Brokered byMETROPOLIS R.E. SOLUTIONS, LLCListing agent: Adam JuddListing data from Stellar MLS, MLS# O6445377.

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