
4431 LITTLE WATER STREET, ORLANDO, FL, 32817
Active28 days on marketListed Jul 16, 2026MLS #O6424105
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
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.
$4,960 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,960/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orlando 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
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.
Sold · Sep ’25$720,000
11613 SWIFT WATER CIRCLE · same community
4 bd · 3 ba · 2,858 sqft · $252/sqft · 34 DOM
Sold · Feb ’26$720,000
4437 LITTLE WATER STREET · same community
5 bd · 4 ba · 2,997 sqft · $240/sqft · 4 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4431 LITTLE WATER STREET — start here.

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.
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.
Keep looking
Similar homes nearby
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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