David Ramirez
$743,997$819,9974 bd2.5 ba2,348 sqft$317 /sqft$4,683 /mo all-in ↓

14612 BRAY ROAD, ORLANDO, FL, 32832

Active340 days on marketListed Aug 28, 2025MLS #O6335234

Reduced $76KPrivate poolSingle Family ResidenceISLE OF PINES

About this home

14612 BRAY ROAD

Lake Nona–adjacent lake life with a solar-heated pool and a 1,200-sq-ft detached insulated garage/workshop. Live the Moss Park / Isle of Pines lifestyle at 14612 Bray Rd—an outdoor-forward location moments from Moss Park, Isle of Pine Preserve, Split Oak Forest Wildlife & Environmental Area, and the Back to Nature Wildlife Refuge. Inside, you’ll find spacious, open-concept living areas that flow to a screened pool deck and outdoor kitchen—complete with recently resurfaced pool, new pump and filter, and new solar panels for year-round enjoyment. The property also features a detached 1,200-sq-ft insulated garage/workshop (hobbies, vehicles, studio or future apartment/ ADU - Picture 27), plus RV parking with a 50-amp outlet, a custom high-top game table, fountain, and fire pit for effortless entertaining. Major peace-of-mind improvements were completed in 2021: roof, HVAC, water heater, well/water system, and drain field—a true turnkey package. Residents of Isle of Pines enjoy a voluntary HOA with private boat-ramp lake access to Lake Mary Jane and Lake Hart, a neighborhood park and playground, and seasonal community events. When it’s time to head out, grab coffee at Foxtail Coffee or Starbucks, meet friends at Boxi Park at Lake Nona, or commute easily via SunRail and LYNX. You’re also close to Lake Nona Medical City (VA Hospital, Nemours Children’s Hospital) and Orlando International Airport (MCO). Comfort, functionality, and Florida living—schedule your private tour of 14612 Bray Rd today.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,348

Sqft

0.34 ac

Lot size

5

Garage

1988

Year built

One

Levels

$317

Per sqft

Private poolFireplacePets allowed

Inside

FlooringLaminate · Tile · Hardwood
AppliancesDishwasher · Electric Water Heater · Range · Water Filtration System
InteriorCathedral Ceiling(s) · Ceiling Fan(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorFrench Doors · Outdoor Kitchen · Private Mailbox · Storage

Community & fees

HOA fee$15/mo
Taxes (2024)$2,576/yr
PetsYes
CommunityBay/Harbor Front · Boat Slip · Dock · Lake · Private Boat Ramp · Water Access · Golf Carts OK

Utilities & systems

UtilitiesCable Available · Electricity Connected · Private
WaterPrivate

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.

$4,683 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,015
PMI (est., until 20% equity)$279
Property tax — 2024 actual bill$215
HOA fee — from the listing$15
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $74,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $74,400
Interest rate6.00%
Loan term

Estimated payment

$4,683/mo

Principal & interest$4,015
PMI (est., until 20% equity)$279
Property taxes (actual bill)$215
HOA / condo fee$15
Est. insurance$160

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.

List $744K
$602KedgeAI estimate $696,334 · range $627K$724K$774K

vs edgeAI estimate

+6.8%

$/sqft vs Orlando actives

$317 vs $250

Days on market

340 vs 34 typical

Where $317/sqft sits among the 400 Orlando actives

95
126
95
49 · this home
8
27
$150–205$205–259$259–313$313–368$368–422$422+

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 Isle Of Pines

Map of 14612 BRAY ROAD inside its neighborhood boundary

Drive times from this address

Orlando Int’l Airport (MCO)30 min
Downtown Orlando35 min
Walt Disney World44 min
Universal Orlando44 min

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

Get to know Orlando. See the full Orlando guide →

Isle Of Pines — neighborhood snapshot

Population

561

Median age

47

Median income

$113,870

Median home value

$412,400

Avg household

3

Households w/ children

42%

For the school run

Orange County School District

ElementaryMoss Park Elementary★★★★
MiddleInnovation Middle★★★★
HighLake Nona High★★★★

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

The numbers that matter

The Orlando market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$400K$405K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

170 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 74% above the ORLANDO 32832 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $743,997 $76K
Aug 28, 2025Listed at $819,997 · 340 days on market since
1988Built · ISLE OF PINES

Reality check

What actually sold near 14612 BRAY ROAD

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

14050 MARINE COURTSold · May ’26

$1,050,000

14050 MARINE COURT

3 bd · 3 ba · 2,261 sqft · $464/sqft · 149 DOM

13452 S LAKE MARY JANE ROADSold · Jul ’26

$1,010,000

13452 S LAKE MARY JANE ROAD

3 bd · 2.5 ba · 2,168 sqft · $466/sqft · 44 DOM

13128 DEVONSHIRE ROADSold · Jun ’26

$342,000

13128 DEVONSHIRE ROAD

3 bd · 2 ba · 2,128 sqft · $161/sqft · 76 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 14612 BRAY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14612 BRAY ROAD — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

14612 BRAY ROAD FAQs

What would the monthly payment be for 14612 BRAY ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,683/mo — principal and interest, the actual property-tax bill, the $15/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 14612 BRAY ROAD?+

The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14612 BRAY ROAD?+

The most recent tax bill on record (2024) was $2,576. 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 14612 BRAY ROAD?+

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 $743,997, this home is listed about 91% above the Orlando median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 14612 BRAY ROAD?+

Moss Park Elementary (elementary), Innovation Middle (middle), Lake Nona High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$743,997 runs 74% above the ORLANDO 32832 median — but at 2,348 sqft it's also 49% larger than 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.

03Time on market is leverage

340 days on market against a Orlando median of 34 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Moss Park Elementary, Innovation Middle, Lake Nona High — Moss Park Elementary rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $819,997, now $743,997 — a $76K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Omar Andreasen. MLS #O6335234.

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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