David Ramirez
$230,000$250,000$1,672 /mo all-in ↓

LAKE HARNEY WOODS BOULEVARD, OSTEEN, FL, 32764

Active644 days on marketListed Oct 31, 2024MLS #O6253393

Priced 26% below the OSTEEN 32764 medianReduced $20KWaterfrontLAKE HARNEY WOODS PH 1

About this home

LAKE HARNEY WOODS BOULEVARD

PRICE REDUCED, MOTIVATED SELLER! Seize a once-in-a-lifetime opportunity to own a sprawling 67.92+/- acre tract nestled at the corner of Lake Harney and Gopher Slough. This unique parcel offers an unspoiled canvas with incredible potential for those seeking an off-the-grid lifestyle or a retreat in harmony with nature. This property grants unparalleled access to the beauty of a 6000+/- acre freshwater lake connected to the iconic St. Johns River. Please note that this property currently lacks utilities or road frontage, providing a pristine setting for those desiring a secluded and self-sufficient lifestyle. Imagination knows no bounds on this canvas. Ideal for a hunting/fish camp, airboat lodge/camp, or as a remote living sanctuary off the grid. Immerse yourself in nature's wonders with abundant wildlife, including deer, turkey, bobcat, waterfowl, bears, hogs, eagles, and more. Discover the serenity of a sandy beach along the shores of Lake Harney. Convenience of a public boat ramp/ restaurant nearby on SR46.

Facts & features

The home at a glance

67.92 ac

Lot size

Waterfront

Inside

Outside & construction

Community & fees

Taxes (2023)$670/yr

Utilities & systems

UtilitiesOther
WaterSee Remarks · Well Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,672 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,354
FHA mortgage insurance (est.)$102
Property tax — 2023 actual bill$56
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,050Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $8,050
Interest rate6.00%
Loan term

Estimated payment

$1,672/mo

Principal & interest$1,354
FHA mortgage insurance (est.)$102
Property taxes (actual bill)$56
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

Where it sits

Inside Osteen

Map of LAKE HARNEY WOODS BOULEVARD

Drive times from this address

Downtown Orlando60 min
Orlando Int’l Airport (MCO)69 min
Universal Orlando73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Osteen. See the full Osteen guide →

OSTEEN 32764 — neighborhood snapshot

Population

2,744

Median age

54.9

Median income

$84,242

Median home value

$328,200

Avg household

2.33

Households w/ children

257

For the school run

Volusia County School District

ElementaryOsteen Elementary School★★★★★
HighPine Ridge High School★★★★★
MiddleHeritage Middle School★★★★★

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

The numbers that matter

The Osteen market

Seller’s marketLeans buyer7.6 months of inventoryBuyer’s market

$291K$313K

Osteen median sold, yr/yr

95.4%

Sale-to-list ratio (12 mo)

Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 26% below the OSTEEN 32764 median. See the full Osteen market guide →

Paper trail

This home's history

CurrentPrice reduced to $230,000 $20K
Oct 31, 2024Listed at $250,000 · 644 days on market since

Reality check

What actually sold near LAKE HARNEY WOODS BOULEVARD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

859 MORGAN ALDERMAN ROADSold · Jan ’26

$2,725,000

859 MORGAN ALDERMAN ROAD

3 bd · 2.5 ba · 2,200 sqft · $1,239/sqft · 25 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about LAKE HARNEY WOODS BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for LAKE HARNEY WOODS BOULEVARD — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

LAKE HARNEY WOODS BOULEVARD FAQs

What would the monthly payment be for LAKE HARNEY WOODS BOULEVARD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,672/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on LAKE HARNEY WOODS BOULEVARD?+

The most recent tax bill on record (2023) was $670. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Osteen?+

At $230,000, this home is listed about 34% below the Osteen median of $351,000. The market section on this page shows how the area is trending.

Which schools are assigned to LAKE HARNEY WOODS BOULEVARD?+

Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the OSTEEN 32764 market on paper

$230,000 is 26% below the OSTEEN 32764 median of $312,195.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

644 days on market against a Osteen median of 92 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $250,000, now $230,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of HOUSEMAX PRO REALTY · Karen Fleckinger. MLS #O6253393.

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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