621 RESERVE DRIVE, DAVENPORT, FL, 33896
Active6 days on marketListed Jul 27, 2026MLS #S5154468
About this home
621 RESERVE DRIVE
Water views out back, a private screened pool all to yourself, and the theme parks just down the road — 621 Reserve Drive is the Central Florida home buyers keep hoping to find. Fully furnished, 4 bedrooms, 3 baths, and ready to enjoy the day you close, whether you're moving in for good or flying down for the holidays. Behind the gates of the Reserve at Town Center, this one claims a standout waterfront lot backing directly to a lush wildlife reserve — so the view out back is water, palms, and green space. Inside, the layout stretches out: two primary suites, a garage transformed into a full game room built for rainy afternoons and late-night tournaments, and a brand-new HVAC system installed in April 2026. But the screened pool is the real headline — Florida sunshine, water views, and complete privacy while you soak it all in. Beyond the front gates, the Reserve at Town Center is a palm-lined community built around its lakes, with controlled access and a location that's tough to beat. It's an easy place to live full time — grocery runs, restaurants, and I-4 all close by — and zoned for short-term rentals when you want it working for you. Walt Disney World and Universal Studios are minutes away, along with championship golf at ChampionsGate and the shopping and dining at Posner Park.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,731
Sqft
0.12 ac
Lot size
1
Garage
2002
Year built
One
Levels
$217
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.
$3,149 /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
$3,149/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
+6%
$/sqft vs Davenport actives
$217 vs $190
Days on market
6 vs 42 typical
Where $217/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
Zoned & eligible
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.
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)
169 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 621 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 · May ’26$359,000
449 BENT OAK LOOP
4 bd · 2 ba · 1,738 sqft · $207/sqft · 4 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 621 RESERVE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 621 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
621 RESERVE DRIVE FAQs
What would the monthly payment be for 621 RESERVE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,149/mo — principal and interest, the actual property-tax bill, the $249/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 621 RESERVE DRIVE?+
The association fee works out to $249 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 621 RESERVE DRIVE?+
The most recent tax bill on record (2025) was $4,401. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 621 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 621 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 $374,999, this home is listed about 4% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 621 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.
The brief
Three things that matter here
01Zoned for nightly rentals
Town Center is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Davenport market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TEAM DONOVAN · James Donovan. MLS #S5154468.
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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