446 RESERVE DRIVE, DAVENPORT, FL, 33896
Active72 days on marketListed May 21, 2026MLS #S5150380
About this home
446 RESERVE DRIVE
Turnkey STR Income Property — Minutes from Disney Plug-and-play vacation rental in the gated Reserve at Town Center, just minutes from the Walt Disney World® entrance and surrounded by ChampionsGate, Reunion, and Disney Springs. This fully furnished 3-bed, 3-bath Florida villa is move-in (and book-in) ready — every furnishing, finish, and content stays. The standout layout features TWO primary suites — ideal for multi-gen guests, families with teens, or higher Airbnb nightly rates. A spacious 16x19 great room flows into an eat-in kitchen and dinette, opening to your private heated gunite pool with screened, covered lanai. NO rear neighbors — your backyard is mature oaks and protected green space. Built to earn from day one: NEW roof (2021), newer HVAC, newer pool heater Pool freshly resurfaced, deck repainted, screen cleaned Block/stucco construction, NO CDD HOA covers lawn, mulch, and landscaping — true hands-off ownership for absentee investors Whether you're scaling your STR portfolio or want a Florida getaway that pays its own way, this one's already doing the work. Schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,512
Sqft
0.13 ac
Lot size
1
Garage
2002
Year built
One
Levels
$244
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.
$3,082 /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
$3,082/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
+10.4%
$/sqft vs Davenport actives
$244 vs $190
Days on market
72 vs 42 typical
Where $244/sqft sits among the 400 Davenport 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.
The investor lens
Two ways this home pays
This home sits inside Town Center, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$44,816/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,295/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening46%
Occupancy
▼ 35% yr/yr
$302
Avg nightly rate
▲ 16% yr/yr
$31K/yr
Revenue per listing
$138
RevPAR
70 days
Booking lead time
5.9 nights
Avg stay
3
Typical min nights
3,730
Active rentals
▲ 7% supply
Seasonality — monthly occupancy
Peaks at 55% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Town Center
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Town Center is a short-term-rental community. See the full guide →
Town Center — neighborhood snapshot
Population
3,255
Median age
32
Median income
$63,333
Median home value
$281,800
Avg household
3
Households w/ children
290
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
172 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 446 RESERVE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$352,000
815 RESERVE PLACE · same community
3 bd · 3 ba · 1,512 sqft · $233/sqft · 58 DOM
Sold · Oct ’25$337,500
825 RESERVE PLACE · same community
3 bd · 3 ba · 1,512 sqft · $223/sqft · 32 DOM
Sold · Jan ’26$312,500
615 OAKPOINT CIRCLE
3 bd · 2 ba · 1,488 sqft · $210/sqft · 26 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 446 RESERVE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 446 RESERVE 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
446 RESERVE DRIVE FAQs
What would the monthly payment be for 446 RESERVE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,082/mo — principal and interest, the actual property-tax bill, the $245/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 446 RESERVE DRIVE?+
The association fee works out to $245 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 446 RESERVE DRIVE?+
The most recent tax bill on record (2025) was $4,096. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 446 RESERVE DRIVE be rented short-term?+
Yes — this home sits inside Town Center, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 446 RESERVE 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 Davenport?+
At $369,000, this home is listed about 5% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 446 RESERVE DRIVE?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Ryan Sager. MLS #S5150380.
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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