12406 HARNEY DRIVE, Orlando, FL, 32828 | $450,000

Under contract-accepting backup offers. **This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment. **

Welcome to 12406 Harney Dr. in Orlando, a thoughtfully designed 3-bedroom, 2-bath home offering approximately 1, 515 square feet of living space and an open floorplan that creates an easy, comfortable flow for everyday living and entertaining. This well-maintained home also features a whole-house tankless water heater for added efficiency and convenience.

Inside, the layout is bright and functional, with connected living, dining, and kitchen areas that make the home feel open and inviting. The design supports both relaxed daily routines and effortless hosting, while the bedroom layout offers a comfortable balance of shared spaces and private retreats. The primary suite provides a peaceful place to unwind, and the additional bedrooms offer flexibility for guests, a home office, or changing household needs.

Step outside to a backyard designed for enjoying Florida living at its best. The screened in-ground pool—resurfaced in 2020 and complemented by new pool equipment installed in 2019—creates a private setting for swimming and lounging. The pool enclosure was rescreened in 2025, enhancing both appearance and functionality, while the surrounding deck offers plenty of room for outdoor seating and entertaining. A covered patio adds even more versatility, giving you a shaded space to relax, dine outdoors, or gather with family and friends throughout the year.

One of the property’s most attractive features is the lake view from the rear of the home, where the pool area overlooks the water and adds a serene natural backdrop to the outdoor living space. The proximity to the body of water enhances the setting with a more open feel and a peaceful atmosphere, making the backyard especially appealing for quiet mornings, sunset relaxation, or hosting with a view.

Additional recent improvements include a new roof installed in 2024, providing peace of mind for years to come.

With its inviting interior, open layout, numerous updates, screened pool, covered patio, and scenic water view, 12406 Harney Dr. offers a wonderful blend of comfort, functionality, and waterfront-inspired outdoor living in Orlando.

Ideally located just minutes from Waterford Lakes Town Center, which features a famous cinema, extensive shopping, and plenty of exciting local restaurants. This community has it all, take advantage of the tennis, pickleball, volleyball, and basketball courts, pool, baseball fields, playground, walking trails, and more! To top it off, you'll enjoy convenient access to UCF, the 408, AND be less than 25 minutes from Downtown Orlando! This home blends thoughtful upgrades with an unbeatable location. Reserve your showing today!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 1987
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,515
  • Acreage: 0.18
  • Est. Taxes: $5,797
  • HOA Fee: $311 Quarterly
  • Lot Desc: Sidewalk
  • View: Garden, Trees/Woods, Water
  • Elem. School: Waterford Elem
  • Middle School: Discovery Middle
  • High School: Timber Creek High
  • Pool: Deck, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer, Water Softener
  • MLS#: O6394233
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/O6394233/12406harneydrive_orlando_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/24/2026 1:05:18 AM)
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS   Phone: 407-629-4420

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12406 HARNEY DRIVE, Orlando, FL, 32828

$450,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $360,000 $360,000 $360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $483 $483 $483
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,217 $2,273 $2,989
Total Monthly Payment $2,775 $2,831 $3,547

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.