David Ramirez
$925,000$995,0005 bd3 ba3,298 sqft$280 /sqft$5,530 /mo all-in ↓

2600 FORT LANE ROAD, GENEVA, FL, 32732

Active87 days on marketListed May 9, 2026MLS #O6405908

Reduced $70KWaterfrontSingle Family ResidenceLAKE HARNEY BCH

About this home

2600 FORT LANE ROAD

SELLER IS OFFERING A $10,000 CREDIT, WHICH CAN BE USED TOWARDS CLOSING COSTS, OR TO BUY DOWN YOUR MORTGAGE INTEREST RATE! Drive, fly, or come by boat!! Come fall in love with this LIGHT and AIRY completely UPDATED contemporary LAKEFRONT home on Lake Harney. This block construction home includes 5 spacious bedrooms, which includes 2 masters, 3 bathrooms, all with walk in showers, quartz countertops, and white porcelain flooring throughout. 12 sets of floor to ceiling sliding glass doors, with panoramic breathtaking views throughout. Home includes a very spacious living and dining room space, a eat in kitchen with a large center island with stainless steel appliances, and storage galore! The perfect home for large family gatherings! Home also includes a large outdoor patio, the perfect place to sit and watch the sunrise. The property consists of 2.33 acres of secluded peaceful outdoor space, with large majestic oak trees, 200ft of LAKE FRONTAGE, located at the dead end of the road with no close by neighbors! A nature lovers dream come true. Love to boat, fish, swim, garden, you can do it all! Plenty of outdoor space for all your toys, seaplanes, and there is even a second LAKEFRONT lot available for purchase with the sale of the home. The perfect place for a large workshop or for an airplane hangar for your seaplane!! NO HOA, FAMILY FRIENDLY NEIGHBORHOOD & AWESOME SCHOOLS. DUE TO AN ELEVATED LOT, THE INTERIOR OF THIS HOME REMAINED COMPLETELY DRY DURING THE PAST SEVERE HURRICANES....HOME DID NOT FLOOD. AC, ROOF, CABINETS, APPLIANCES, COUNTERTOPS, SLIDING GLASS DOORS, HOT WATER HEATER AND FLOORING ARE ALL LESS THAN 7 YEARS OLD!

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

3,298

Sqft

2.34 ac

Lot size

1964

Year built

One

Levels

$280

Per sqft

WaterfrontTrees/Woods & Water viewNegotiablePets allowed

Inside

FlooringPorcelain Tile
AppliancesCooktop · Dishwasher · Microwave · Refrigerator · Tankless Water Heater
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofOther
ConstructionBlock
FoundationSlab
ViewTrees/Woods · Water
FacesSouth
ExteriorPrivate Entrance · Private Yard

Community & fees

Taxes (2024)$383/yr
PetsYes
CommunityAirport/Runway

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$5,530 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2024 actual bill$32
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,500Loan30-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% · $92,500
Interest rate6.00%
Loan term

Estimated payment

$5,530/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$32
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 Geneva actives

$280 vs $364

Days on market

87 vs 43 typical

Where $280/sqft sits among the 20 Geneva actives

18 · this home
1
0
0
0
1
$183–501$501–818$818–1135$1135–1453$1453–1770$1770+

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 Geneva

Map of 2600 FORT LANE ROAD

Drive times from this address

Downtown Orlando50 min
Orlando Int’l Airport (MCO)58 min
Universal Orlando63 min
Walt Disney World75 min

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

Get to know Geneva. See the full Geneva guide →

GENEVA 32732 — neighborhood snapshot

Population

5,164

Median age

45

Median income

$112,222

Median home value

$466,500

Avg household

2.88

Households w/ children

477

For the school run

Seminole County School District

ElementaryGeneva Elementary School★★★★
MiddleChiles Middle School★★★★
HighOviedo High School★★★★

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

The numbers that matter

The Geneva market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$465K$695K

Geneva median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

9 of 20

Geneva actives have cut their price

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

This home is listed 110% above the GENEVA 32732 median. See the full Geneva market guide →

Paper trail

This home's history

CurrentPrice reduced to $925,000 $70K
May 9, 2026Listed at $995,000 · 87 days on market since
1964Built · LAKE HARNEY BCH

Reality check

What actually sold near 2600 FORT LANE ROAD

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

113 JANE CREEKSold · Nov ’25

$621,500

113 JANE CREEK

4 bd · 2 ba · 2,772 sqft · $224/sqft · 42 DOM

372 REST HAVEN ROADSold · Jul ’26

$710,000

372 REST HAVEN ROAD

4 bd · 4 ba · 4,000 sqft · $178/sqft · 431 DOM

304 N JUNGLE ROADSold · Jul ’26

$570,000

304 N JUNGLE ROAD

4 bd · 2 ba · 2,234 sqft · $255/sqft · 391 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 2600 FORT LANE 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 2600 FORT LANE 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.

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Goes straight to David’s phone and CRM.

Straight answers

2600 FORT LANE ROAD FAQs

What would the monthly payment be for 2600 FORT LANE ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,530/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 2600 FORT LANE ROAD?+

The most recent tax bill on record (2024) was $383. 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 2600 FORT LANE 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 Geneva?+

At $925,000, this home is listed about 42% above the Geneva median of $650,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2600 FORT LANE ROAD?+

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

Five things that matter here

01Positioned at the premium end

$925,000 runs 110% above the GENEVA 32732 median — but at 3,298 sqft it's also 61% larger than the typical Geneva 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

87 days on market against a Geneva median of 43 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $995,000, now $925,000 — a $70K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Robin Wright. MLS #O6405908.

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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