David Ramirez
$2,275,000$2,600,0005 bd7 ba5,165 sqft$440 /sqft$14,597 /mo all-in ↓

10327 HART BRANCH CIRCLE, ORLANDO, FL, 32832

Active172 days on marketListed Feb 13, 2026MLS #O6378973

Reduced $325KWaterfrontPrivate poolSingle Family ResidenceNORTH SHORE AT LAKE HART PRCL 04

About this home

10327 HART BRANCH CIRCLE

Lakefront Estate with Golf & Waterfront Views | Exclusive Lake Nona Living. Setting the bar for luxury and elegance in one of the most coveted areas of highly desirable Lake Nona, this exceptional estate is located within the private gated community of North Shore on Lake Hart — where residents enjoy premier golfing and boating. Lakefront Living. Golf Course Views. Now Priced to Move. Welcome to a rare opportunity inside the gated community of North Shore at Lake Hart—where luxury, privacy, and lifestyle come together in one exceptional property. This expansive 5-bedroom, 7-bath estate offers over 5,100 square feet of refined living space, uniquely positioned with golf course views in the front and serene lake views in the rear, a combination rarely available in Lake Nona. From the moment you arrive, a long paver driveway and striking architectural presence set the tone. Inside, soaring ceilings and a dramatic curved staircase create an unforgettable first impression, while natural light pours through expansive windows, highlighting the home’s elegant design. The chef’s kitchen is both functional and inviting, featuring a large center island, gas cooktop, stainless steel appliances, and custom cabinetry. All overlooking peaceful water views. It opens seamlessly to the main living areas, making it ideal for both everyday living and entertaining. The primary suite is a true retreat, complete with a private fireplace, dual walk-in closets, and exclusive access to a second-floor balcony overlooking Lake Hart, your own quiet escape. Step outside to your private backyard oasis featuring a saltwater pool, expansive paver deck, and tranquil waterfront setting framed by a majestic oak tree. A custom-built treehouse adds a one-of-a-kind touch you won’t find elsewhere. Recent upgrades include Exterior paint (2025), Water heater (2025), A/C (2023), Pool pump (2023) & Whole-home surge protection. Residents of North Shore enjoy access to golf, boating, a community pool, fitness center, tennis courts, and more—just minutes from Medical City, SR-417, and Orlando International Airport. With a significant recent price adjustment, this home represents one of the best values in the community. A rare estate that offers both serenity and prestige—perfect for buyers who value space, luxury, and lifestyle. Schedule your private showing today—opportunities like this are limited.

Facts & features

The home at a glance

5

Bedrooms

7

Bathrooms

5,165

Sqft

0.73 ac

Lot size

3

Garage

2010

Year built

Two

Levels

$440

Per sqft

Private poolWaterfrontFireplaceGarden & Golf Course & Pool & Water viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Microwave · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionStucco
FoundationSlab
ViewGarden · Golf Course · Pool · Water
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorFire Pit · Garden · Lighting · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$194/mo
Taxes (2024)$13,370/yr
PetsYes
CommunityWater Access · Waterfront · Clubhouse · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Golf · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · Water Connected
WaterPublic

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.

$14,597 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,276
PMI (est., until 20% equity)$853
Property tax — 2024 actual bill$1,114
HOA fee — from the listing$194
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $227,500Loan30-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% · $227,500
Interest rate6.00%
Loan term

Estimated payment

$14,597/mo

Principal & interest$12,276
PMI (est., until 20% equity)$853
Property taxes (actual bill)$1,114
HOA / condo fee$194
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.

$/sqft vs Orlando actives

$440 vs $251

Days on market

172 vs 40 typical

Where $440/sqft sits among the 400 Orlando actives

93
130
91
50
9
27 · this home
$151–205$205–259$259–314$314–368$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 North Shore At Lake Hart

Map of 10327 HART BRANCH CIRCLE inside its neighborhood boundary

Drive times from this address

Orlando Int’l Airport (MCO)19 min
Downtown Orlando24 min
Walt Disney World32 min
Universal Orlando33 min

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

Get to know Orlando. See the full Orlando guide →

North Shore At Lake Hart — neighborhood snapshot

Population

2,994

Median age

46

Median income

$133,169

Median home value

$459,658

Avg household

3

Households w/ children

390

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 marketLeans seller4.5 months of inventoryBuyer’s market

$400K$409K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

169 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 434% above the ORLANDO 32832 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,275,000 $325K
Feb 13, 2026Listed at $2,600,000 · 172 days on market since
2010Built · NORTH SHORE AT LAKE HART PRCL 04

Reality check

What actually sold near 10327 HART BRANCH CIRCLE

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

10339 HART BRANCH CIRCLESold · Apr ’26

$3,080,000

10339 HART BRANCH CIRCLE · same community

5 bd · 4.5 ba · 5,139 sqft · $599/sqft · 83 DOM

10254 HART BRANCH CIRCLESold · Apr ’26

$855,000

10254 HART BRANCH CIRCLE · same community

5 bd · 3 ba · 3,662 sqft · $233/sqft · 231 DOM

10033 HART BRANCH CIRCLESold · Aug ’25

$800,000

10033 HART BRANCH CIRCLE · same community

5 bd · 3 ba · 3,316 sqft · $241/sqft · 50 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 10327 HART BRANCH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10327 HART BRANCH CIRCLE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

10327 HART BRANCH CIRCLE FAQs

What would the monthly payment be for 10327 HART BRANCH CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,597/mo — principal and interest, the actual property-tax bill, the $194/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 10327 HART BRANCH CIRCLE?+

The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10327 HART BRANCH CIRCLE?+

The most recent tax bill on record (2024) was $13,370. 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 10327 HART BRANCH CIRCLE?+

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 $2,275,000, this home is listed about 480% above the Orlando median of $392,450. The market section on this page shows how the area is trending.

Which schools are assigned to 10327 HART BRANCH CIRCLE?+

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

$2,275,000 runs 434% above the ORLANDO 32832 median — but at 5,165 sqft it's also nearly 3 times the size of the typical Orlando listing.

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

172 days on market against a Orlando median of 40 — 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 $2,600,000, now $2,275,000 — a $325K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Elizabeth Vermilya. MLS #O6378973.

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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