David Ramirez
$720,000$725,0004 bd3 ba2,531 sqft$284 /sqft$4,960 /mo all-in ↓

4431 LITTLE WATER STREET, ORLANDO, FL, 32817

Active28 days on marketListed Jul 16, 2026MLS #O6424105

Reduced $5KPrivate poolSingle Family ResidenceRIVERSBEND

About this home

4431 LITTLE WATER STREET

Turn into Riversbend and the noise of the day just fades. Grand oaks arch overhead, the street goes quiet, and as you pull into 4431 Little Water Street, it immediately feels like home. Step through the leaded-glass double doors beneath a graceful arched transom and the wow factor starts immediately. Terracotta tile in the foyer gives way to rich hardwood flooring that carries through most of the home, leading you past the formal living and dining rooms into the true heart of the house: a completely renovated gourmet kitchen. Quartz counters and backsplash, solid wood soft-close cabinetry with under-cabinet lighting, a pot filler, GE Monogram appliances (including a natural gas range) and a wine refrigerator surround the breakfast bar and eat-in nook, where morning coffee comes with a pool view. The adjoining family room opens straight onto the pool deck, so indoor and outdoor living blur together the way Florida living should. This is a split-bedroom, courtyard-style layout, with every major room wrapping around the screened pool and lanai, so daylight and water views follow you through the house. The primary suite is a retreat of its own, framed by columns that carve out a bonus sitting area or work-from-home office nook, with its own direct access to the pool deck. The ensuite bath delivers a dual-sink vanity, a soaker tub and a separate shower, giving you a place to actually unwind after a long day. Out back is where this home truly shines. A covered, brick-paver lanai with a wet bar (reachable from multiple points in the house, including bath access) overlooks a heated pool and spa with a cascading waterfall feature, all wrapped in a screen enclosure and framed by landscaping both inside and outside the cage. A child safety fence and fully fenced backyard add peace of mind for family and pets alike, while the oversized two-car garage with side entry keeps curb appeal front and center. Technology focused buyers will love the array of smart home features within, such as a connected thermostat, alarm system with video surveillance, Wi-Fi enabled ceiling fans and light switches, and Flume water monitor to detect leaks. Interested in green energy and reducing your utility bills? The whole-home solar array with Enphase Energy System allows you monitor the panels' production and your electric usage, truly bringing this home into the future. It is an $80,000 system that will be completely paid off for the new owners at closing. The myriad of updates throughout the property are the kind that let you move in and simply enjoy: a new roof (2024), a fully renovated kitchen (2022), new HVAC system (2022), 15 new double-pane windows (2022), whole-home solar (2021), and a repipe with new water heater (2020) already behind you. This custom-built pool home is one of only 79 residences in this manicured, tree-lined enclave tucked minutes from the Quadrangle, Siemens, UCF, the Research Park, and the 417 expressway. Plentiful shopping and eateries are a quick drive, and the airport and beaches are 30-45 minutes out when you're ready for sand instead of a lawn. Residents of Riversbend also enjoy a community park with a playground and basketball court, just steps away from this residence. Homes in Riversbend rarely hit the market, and this one has to be walked through to be fully appreciated. Come see why this address, and this neighborhood, are the kind people just don't want to leave.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,531

Sqft

0.3 ac

Lot size

2

Garage

1994

Year built

One

Levels

$284

Per sqft

Private poolPool viewPets allowed

Inside

FlooringTile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorGarden · Irrigation System · Lighting · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$63/mo
Taxes (2025)$6,982/yr
PetsCats OK, Dogs OK, Yes
CommunityDeed Restrictions · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Solar · Street Lights · 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 and the real association fee — not generic estimates.

$4,960 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,885
PMI (est., until 20% equity)$270
Property tax — 2025 actual bill$582
HOA fee — from the listing$63
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $72,000Loan30-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% · $72,000
Interest rate6.00%
Loan term

Estimated payment

$4,960/mo

Principal & interest$3,885
PMI (est., until 20% equity)$270
Property taxes (actual bill)$582
HOA / condo fee$63
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 $720K
$604KedgeAI estimate $683,771 · range $629K$720K$749K

vs edgeAI estimate

+5.3%

$/sqft vs Orlando actives

$284 vs $250

Days on market

28 vs 43 typical

Where $284/sqft sits among the 400 Orlando actives

121
144
72 · this home
21
13
29
$152–217$217–282$282–348$348–413$413–478$478+

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 Orlando

Map of 4431 LITTLE WATER STREET

Drive times from this address

Downtown Orlando20 min
Orlando Int’l Airport (MCO)29 min
Universal Orlando33 min
Walt Disney World45 min

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

Get to know Orlando. See the full Orlando guide →

ORLANDO 32817 — neighborhood snapshot

Population

37,894

Median age

30.1

Median income

$78,546

Median home value

$327,800

Avg household

2.82

Households w/ children

3,202

For the school run

Orange County School District

HighUniversity High★★★★★
ElementaryRiverdale Elementary★★★★★
MiddleCorner Lake 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)

198 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 82% above the ORLANDO 32817 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $720,000 $5K
Jul 16, 2026Listed at $725,000 · 28 days on market since
1994Built · RIVERSBEND

Reality check

What actually sold near 4431 LITTLE WATER STREET

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

11613 SWIFT WATER CIRCLESold · Sep ’25

$720,000

11613 SWIFT WATER CIRCLE · same community

4 bd · 3 ba · 2,858 sqft · $252/sqft · 34 DOM

4437 LITTLE WATER STREETSold · Feb ’26

$720,000

4437 LITTLE WATER STREET · same community

5 bd · 4 ba · 2,997 sqft · $240/sqft · 4 DOM

11474 SWIFT WATER CIRCLESold · Jul ’26

$910,000

11474 SWIFT WATER CIRCLE · same community

6 bd · 4.5 ba · 3,942 sqft · $231/sqft · 18 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 4431 LITTLE WATER STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4431 LITTLE WATER STREET — 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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Straight answers

4431 LITTLE WATER STREET FAQs

What would the monthly payment be for 4431 LITTLE WATER STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,960/mo — principal and interest, the actual property-tax bill, the $63/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 4431 LITTLE WATER STREET?+

The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4431 LITTLE WATER STREET?+

The most recent tax bill on record (2025) was $6,982. 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 4431 LITTLE WATER STREET?+

The listing reports pets: Cats OK, 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 $720,000, this home is listed about 85% above the Orlando median of $389,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4431 LITTLE WATER STREET?+

University High (high), Riverdale Elementary (elementary), Corner Lake 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

$720,000 runs 82% above the ORLANDO 32817 median — but at 2,531 sqft it's also 59% larger than the typical Orlando listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $725,000, now $720,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of UPWELL REALTY LLC · Kyle Madorin PA. MLS #O6424105.

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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