1438 LAKE HARNEY, GENEVA, FL, 32732
Active36 days on marketListed Jun 18, 2026MLS #O6393152
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Upcoming open house
Sat, Jul 25
10:00 AM – 1:00 PM
About this home
1438 LAKE HARNEY
Welcome Home to Your Peaceful Retreat in Geneva, FL! Nestled on a beautiful, spacious lot, this charming 2-bedroom, 2-bathroom home offers the perfect blend of comfort, simplicity, and serene country living. With 977 sq ft of thoughtfully designed space, this home is ideal for those seeking a cozy retreat without sacrificing style or functionality. Step inside to an inviting open-concept layout that maximizes every square foot. The living, dining, and kitchen areas flow seamlessly together, creating a bright and airy atmosphere perfect for everyday living and entertaining. Natural light pours in, enhancing the home’s warm and welcoming feel. The kitchen is both stylish and practical, offering ample cabinetry and counter space for all your cooking needs. Whether you're preparing a quiet meal at home or hosting friends, this space is designed to bring everyone together. Both bedrooms are comfortably sized, including a primary suite with its own private bathroom, providing a relaxing space to unwind at the end of the day. A second full bathroom adds convenience for guests or family members. Step outside and enjoy the beauty of your expansive lot—perfect for gardening, outdoor gatherings, or simply soaking in the peaceful surroundings. With plenty of room to expand, add a workshop, or create your dream outdoor oasis, the possibilities are endless. Located in the quiet and desirable area of Geneva, you’ll enjoy the charm of rural living while still being within a short drive to shopping, dining, and nearby city conveniences. Whether you're looking for a starter home, downsizing, or investing, this property offers incredible value and lifestyle appeal. Don’t miss your chance to own this slice of tranquility in Geneva, FL—schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
977
Sqft
0.96 ac
Lot size
1
Garage
2026
Year built
One
Levels
$394
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,628 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,628/mo
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.
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 Geneva actives
$394 vs $328
Days on market
36 vs 69 typical
Where $394/sqft sits among the 21 Geneva actives
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 Lake Harney
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Geneva. See the full Geneva guide →
Lake Harney — neighborhood snapshot
Population
712
Median age
51
Median income
$85,078
Median home value
$347,303
Avg household
3
Households w/ children
38%
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Geneva market
$465K → $686K
Geneva median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
9 of 21
Geneva actives have cut their price
Median sold price, Geneva, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the GENEVA 32732 median. See the full Geneva market guide →
Paper trail
This home's history
Reality check
What actually sold near 1438 LAKE HARNEY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$725,000
1602 LAKE HARNEY · same community
4 bd · 3 ba · 2,477 sqft · $293/sqft · 8 DOM
Sold · Jan ’26$210,000
1255 TEAL ROAD
2 bd · 1.5 ba · 784 sqft · $268/sqft · 83 DOM
Sold · Dec ’25$325,000
785 HARNEY HEIGHTS ROAD
2 bd · 2 ba · 1,224 sqft · $266/sqft · 19 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1438 LAKE HARNEY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1438 LAKE HARNEY — 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.
Straight answers
1438 LAKE HARNEY FAQs
What would the monthly payment be for 1438 LAKE HARNEY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,628/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 1438 LAKE HARNEY?+
The most recent tax bill on record (2024) was $386. 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 Geneva?+
At $384,900, this home is listed about 55% below the Geneva median of $849,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1438 LAKE HARNEY?+
Geneva Elementary School (elementary), Chiles Middle School (middle), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the GENEVA 32732 market on paper
$384,900 is 10% below the GENEVA 32732 median of $427,500, and at $394/sqft it sits under the Geneva average of $419.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $415,000, now $384,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Austin Failor. MLS #O6393152.
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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