David Ramirez
$1,289,000$1,349,0004 bd3 ba2,430 sqft$530 /sqft$8,330 /mo all-in ↓

10273 COVE LAKE DRIVE, ORLANDO, FL, 32836

Active50 days on marketListed Jun 19, 2026MLS #O6411605

Reduced $60KWaterfrontPrivate poolSingle Family ResidenceSAND LAKE COVE PH 01

About this home

10273 COVE LAKE DRIVE

**NEW PRICE! Exceptional opportunity to own direct Big Sand Lake frontage in the heart of Dr. Phillips.** (Big Sand Lake, a 1,000+ acre private ski lake) Offering breathtaking water views, a private dock with boathouse, and an exceptional outdoor living experience, this property captures the very best of Florida waterfront living. Ideal for boating, waterskiing, wakeboarding, paddleboarding, fishing, and sunset cruises, Big Sand Lake provides endless opportunities for recreation right from your own backyard. The backyard is a true retreat, featuring a spacious screened patio, sparkling pool, and expansive pool deck overlooking the tranquil waters of the lake. Whether you're enjoying a peaceful morning sunrise, entertaining guests, or spending the day on the water, this outdoor oasis provides the perfect setting. Nature lovers will appreciate the nearby trail with direct access to Dr. Phillips Community Park, offering playgrounds, sports fields, picnic areas, and a popular dog park. Inside, you'll find a bright and inviting open-concept split floor plan designed for both comfortable living and effortless entertaining. The welcoming foyer opens to the formal living room, where sliding glass doors frame beautiful lake views and provide access to the outdoor living space. Just off the foyer, the formal dining room flows seamlessly into the kitchen and family room. The well-appointed kitchen features stainless steel appliances, a center island, stunning new granite countertops, abundant cabinetry, and a sunny breakfast nook overlooking the pool and lake. The adjacent family room offers built-in shelving and sliding glass doors to the pool deck, creating an ideal gathering space for family and guests. The private primary suite is situated on the right side of the home and features a beautifully updated en-suite bathroom with a freestanding soaking tub, large walk-in shower, and dual walk-in closets. Connected to the primary suite is a private office with sliding glass doors leading directly to the patio, providing a peaceful workspace with inspiring lake views. On the opposite side of the home, two secondary bedrooms share a full bathroom. Toward the rear of the home, a fourth bedroom and third full bathroom offer additional privacy and flexibility for guests, extended family, or multi-generational living. The third bathroom also provides convenient access from the pool area. Additional features include a two-car garage, an interior laundry room, and abundant storage throughout the home. Luxury vinyl flooring extends through all bedrooms and most living areas, while ceramic tile enhances the kitchen, family room, and bathrooms. Recent updates include a NEW HVAC system, fresh interior paint, refinished kitchen and primary bathroom cabinetry, a new refrigerator, new dishwasher, upgraded granite countertops, and numerous additional improvements. Ideally located near world-class shopping, dining, and entertainment, this exceptional home also offers convenient access to I-4, making commutes to Downtown Orlando, the Walt Disney World Resort area, Universal Orlando, Orlando International Airport, and Florida's beautiful beaches quick and convenient. Whether you're seeking a peaceful waterfront retreat, a home designed for entertaining, or a property that embraces an active boating and watersports lifestyle, this rare Big Sand Lake opportunity delivers the very best of Central Florida lakefront living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,430

Sqft

1.21 ac

Lot size

2

Garage

1997

Year built

One

Levels

$530

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewPool · Water
FacesNorthwest
ParkingDriveway
ExteriorLighting · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$26/mo
Taxes (2025)$8,457/yr
PetsCats OK, Dogs OK, Number Limit, Yes
CommunitySidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · 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.

$8,330 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,955
PMI (est., until 20% equity)$483
Property tax — 2025 actual bill$705
HOA fee — from the listing$26
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $128,900Loan30-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% · $128,900
Interest rate6.00%
Loan term

Estimated payment

$8,330/mo

Principal & interest$6,955
PMI (est., until 20% equity)$483
Property taxes (actual bill)$705
HOA / condo fee$26
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 $1.3M
$695KedgeAI estimate $746,463 · range $724K$801K$1.3M

vs edgeAI estimate

+72.7%

$/sqft vs Orlando actives

$530 vs $251

Days on market

50 vs 42 typical

Where $530/sqft sits among the 400 Orlando actives

121
138
70
30
13
28 · this home
$151–214$214–277$277–341$341–404$404–467$467+

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 Sand Lake Cove

Map of 10273 COVE LAKE DRIVE inside its neighborhood boundary

Drive times from this address

Universal Orlando15 min
Walt Disney World20 min
Downtown Orlando22 min
Orlando Int’l Airport (MCO)29 min

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

Get to know Orlando. See the full Orlando guide →

Sand Lake Cove — neighborhood snapshot

Population

852

Median age

33

Median income

$155,057

Median home value

$719,700

Avg household

3

Households w/ children

74%

For the school run

Orange County School District

ElementarySand Lake Elementary★★★★★
HighLake Buena Vista High School★★★★★
MiddleSouthwest Middle★★★★★

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$395K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

180 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 36% above the ORLANDO 32836 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,289,000 $60K
Jun 19, 2026Listed at $1,349,000 · 50 days on market since
1997Built · SAND LAKE COVE PH 01

Reality check

What actually sold near 10273 COVE LAKE DRIVE

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

7824 FERNLEAF DRIVESold · May ’26

$670,000

7824 FERNLEAF DRIVE · same community

4 bd · 3 ba · 2,208 sqft · $303/sqft · 4 DOM

10626 WOODCHASE CIRCLESold · Mar ’26

$735,000

10626 WOODCHASE CIRCLE

3 bd · 3 ba · 2,401 sqft · $306/sqft · 7 DOM

8412 PARK CLIFF WAYSold · May ’26

$1,158,610

8412 PARK CLIFF WAY

3 bd · 2.5 ba · 2,314 sqft · $501/sqft · 0 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 10273 COVE LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10273 COVE LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

10273 COVE LAKE DRIVE FAQs

What would the monthly payment be for 10273 COVE LAKE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,330/mo — principal and interest, the actual property-tax bill, the $26/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 10273 COVE LAKE DRIVE?+

The association fee works out to $26 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10273 COVE LAKE DRIVE?+

The most recent tax bill on record (2025) was $8,457. 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 10273 COVE LAKE DRIVE?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $1,289,000, this home is listed about 227% above the Orlando median of $394,500. The market section on this page shows how the area is trending.

Which schools are assigned to 10273 COVE LAKE DRIVE?+

Sand Lake Elementary (elementary), Lake Buena Vista High School (high), Southwest Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,289,000 runs 36% above the ORLANDO 32836 median — but at 2,430 sqft it's also 52% larger than 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.

03The price has already moved

Listed at $1,349,000, now $1,289,000 — a $60K cut. The full history is in the market section below.

Listing courtesy of TURN-KEY MOVES REALTY · Mathew Kelly. MLS #O6411605.

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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