638 WHITE RIVER DRIVE, ORLANDO, FL, 32828
Active25 days on marketListed Jun 29, 2026MLS #O6415920
Come see it
Upcoming open house
Sat, Jul 25
10:00 AM – 11:30 AM
Open house hosted by REALTOR, Sherrie Gallina.
About this home
638 WHITE RIVER DRIVE
Welcome to Waterford Lakes, one of East Orlando's most desirable neighborhoods. This property, with its generous lot size and beautifully mature landscaping sets the tone for this charming single-story home. From the relaxing, covered front porch, enter into the ‘traditional’ formal living and dining room combination with volume ceilings and French doors leading to the beautiful back yard and offering added natural light. The open flex space could meet many needs from a home office to a game room with space enough for a billiard table. To the right is the separate and private owner’s retreat. The bedroom is large enough for king size furniture and has volume ceiling to continue the open and spacious feel. Also included is the private bath with dual sinks and vanity, separate bathtub and shower, and a nice walk-in closet. Back to the other side of the formal space is the kitchen and family room, again with its vaulted ceiling. The open kitchen is set up for gatherings and entertaining with extra counter space on the large built-in island and storage below. Additionally, there is a separate pantry closet as well as a linen closet. The adjoining family room has space for a large sitting area and big screen TV as well as another dining table if desired. Out back, entertain guests on the roof-lined and screened porch with its beautiful red cedar deck, hot tub included. Back inside, the hall of the family room leads to a full bath and two additional bedrooms. You'll love the location, too with the community walking paths and small lakes. Shopping, dining, entertainment, and the University of Central Florida are all close by.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,723
Sqft
0.22 ac
Lot size
2
Garage
1987
Year built
One
Levels
$261
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 and the real association fee — not generic estimates.
$3,220 /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
$3,220/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.
vs edgeAI estimate
+18%
$/sqft vs Orlando actives
$261 vs $238
Days on market
25 vs 34 typical
Where $261/sqft sits among the 400 Orlando 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 Riverbend
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Riverbend — neighborhood snapshot
Population
997
Median age
41
Median income
$89,196
Median home value
$313,700
Avg household
2
Households w/ children
126
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando market
$400K → $405K
Orlando median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
156 of 400
Orlando actives have cut their price
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 638 WHITE RIVER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$435,000
12406 HARNEY DRIVE · same community
3 bd · 2 ba · 1,515 sqft · $287/sqft · 13 DOM
Sold · Nov ’25$425,000
310 PRAIRIE DUNE WAY
3 bd · 2 ba · 1,714 sqft · $248/sqft · 17 DOM
Sold · Oct ’25$425,000
13228 BRIAR FOREST COURT
4 bd · 2.5 ba · 1,712 sqft · $248/sqft · 28 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 638 WHITE RIVER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 638 WHITE RIVER 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.
Straight answers
638 WHITE RIVER DRIVE FAQs
What would the monthly payment be for 638 WHITE RIVER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,220/mo — principal and interest, the actual property-tax bill, the $21/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 638 WHITE RIVER DRIVE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 638 WHITE RIVER DRIVE?+
The most recent tax bill on record (2025) was $2,288. 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 638 WHITE RIVER DRIVE?+
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 $450,000, this home is listed about 15% above the Orlando median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 638 WHITE RIVER DRIVE?+
Waterford Elementary (elementary), Discovery Middle (middle), Timber Creek High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Sherrie Gallina. MLS #O6415920.
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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