David Ramirez
$950,0004 bd2.5 ba2,609 sqft$364 /sqft$6,718 /mo all-in ↓

8606 LOST COVE DRIVE, ORLANDO, FL, 32819

Active51 days on marketListed Jun 10, 2026MLS #O6415719

WaterfrontPrivate poolSingle Family ResidenceSOUTH BAY SEC 03

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About this home

8606 LOST COVE DRIVE

Charming, remodeled 1-story home in desirable South Bay! Located in the heart of Dr.Phillips in SW Orlando, and sitting on a conveniently quiet street, this lovely home is on a .69 acre, pond-front lot, with a gentle slope and large yard. Created with an inviting contemporary feel, you'll love the bright, flowing Great room, Dining, Parlor & Kitchen the moment you enter. Painted, designed and finished primarily in alabaster, grey and charcoal tones, with many luxury details: modern, wide-plank vinyl & large porcelain tile flooring, brick accents, dual skylights, custom fixtures, newer windows & sliders, & vaulted ceilings. The Kitchen renovation is Stunning and includes an enormous granite center island with storage drawers, soapstone countertops, glass tile back-splash, custom-lighted cabinetry with display windows, stainless appliances and more! The core of the home is ideal for entertaining. The Primary suite has a custom accent wall, luxury vinyl flooring, large soaking tub, custom walk-in 'rain-head' shower, dual vanities, custom mirrors, rectangular modern tile, walk-in closet & block glass natural light..The Guest wing of the home features a one-of-a-kind closet-bedroom with a center island with drawers & ironing board, and surrounding built-ins for all kinds of your clothes! Two additional sunny bedrooms plus a renovated full bath. The rear covered Lanai faces South and overlooks a shimmering, Pebble Tech screened pool, Sun-shelf, spa and a most peaceful view of South Bay's only natural pond; brick pavers & travertine flooring too. Additional features include, an inside laundry, 2-car side entry garage, tile roof, circular driveway & an incredible oak tree, set towards the front of the property. Only seconds out of the neighborhood to all that is Sand Lake Road, A-rated public schools, Dr.Phillips YMCA, attractions, I-4 and the Bay Hill Club & Lodge. This is a wonderful opportunity.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,609

Sqft

0.69 ac

Lot size

2

Garage

1987

Year built

One

Levels

$364

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Porcelain Tile
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator
InteriorAttic Fan · Built-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Brick · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$133/mo
Taxes (2025)$11,306/yr
PetsDogs OK, Yes
CommunityDock · Waterfront · Association Recreation - Owned · Deed Restrictions · Park · Playground · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Street Lights · 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.

$6,718 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$942
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $95,000Loan30-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% · $95,000
Interest rate6.00%
Loan term

Estimated payment

$6,718/mo

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property taxes (actual bill)$942
HOA / condo fee$133
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 $950K
$776KedgeAI estimate $911,632 · range $809K$1.1M$1.1M

vs edgeAI estimate

+4.2%

$/sqft vs Orlando actives

$364 vs $251

Days on market

51 vs 34 typical

Where $364/sqft sits among the 400 Orlando actives

94
125
93
53 · this home
6
29
$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 South Bay

Map of 8606 LOST COVE DRIVE inside its neighborhood boundary

Drive times from this address

Universal Orlando7 min
Downtown Orlando14 min
Walt Disney World19 min
Orlando Int’l Airport (MCO)23 min

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

Get to know Orlando. See the full Orlando guide →

South Bay — neighborhood snapshot

Population

721

Median age

53

Median income

$122,406

Median home value

$573,400

Avg household

3

Households w/ children

66%

For the school run

Orange County School District

ElementaryDr. Phillips Elementary★★★★
MiddleSouthwest Middle★★★★★
HighDr. Phillips 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)

171 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 141% above the ORLANDO 32819 median. See the full Orlando market guide →

Paper trail

This home's history

Jun 10, 2026Listed at $950,000 · 51 days on market since
1987Built · SOUTH BAY SEC 03

Reality check

What actually sold near 8606 LOST COVE DRIVE

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

8550 LOST COVE DRIVESold · Jul ’25

$1,000,000

8550 LOST COVE DRIVE · same community

4 bd · 3 ba · 2,770 sqft · $361/sqft · 21 DOM

8708 LOST COVE DRIVESold · Dec ’25

$1,075,000

8708 LOST COVE DRIVE · same community

4 bd · 3.5 ba · 3,318 sqft · $324/sqft · 136 DOM

7710 DAWBERRY COURTSold · Oct ’25

$1,270,000

7710 DAWBERRY COURT · same community

5 bd · 4.5 ba · 3,587 sqft · $354/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 8606 LOST COVE 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 8606 LOST COVE DRIVE — 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

8606 LOST COVE DRIVE FAQs

What would the monthly payment be for 8606 LOST COVE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,718/mo — principal and interest, the actual property-tax bill, the $133/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 8606 LOST COVE DRIVE?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8606 LOST COVE DRIVE?+

The most recent tax bill on record (2025) was $11,306. 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 8606 LOST COVE DRIVE?+

The listing reports pets: Dogs OK, 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 $950,000, this home is listed about 144% above the Orlando median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 8606 LOST COVE DRIVE?+

Dr. Phillips Elementary (elementary), Southwest Middle (middle), Dr. Phillips High (high) — 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

$950,000 runs 141% above the ORLANDO 32819 median — but at 2,609 sqft it's also 65% 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.

03Strong assigned schools

Dr. Phillips Elementary, Southwest Middle, Dr. Phillips High — Dr. Phillips Elementary rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · George Stringer. MLS #O6415719.

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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