16045 HARBAR OAKS DRIVE, MONTVERDE, FL, 34756
Active5 days on marketListed Aug 3, 2026MLS #O6426629
About this home
16045 HARBAR OAKS DRIVE
Escape the hustle of the city and unwind in this warm, welcoming 4 Bedroom/2 Bath POOL Home. Harbar Oaks is an established residential subdivision located in the picturesque town of Montverde, Florida, within Lake County. Part of the Greater Orlando area, this quiet community is highly regarded for its rolling landscape, mature trees, and large lot sizes. As you enter the home, you will be greeted by an open floor plan which includes a charming dining room, a custom Farmhouse Kitchen, complete with BUTCHER BLOCK COUNTERTOPS and a peaceful view of the Solar-heated Saltwater POOL from your family room. Stainless steel appliances, glass-door cabinets, farmhouse sink, Stainless Steel Hood Vent and a subway tile backsplash. This 4-bedroom home has its own spacious master suite with 3 additional bedrooms. The updated home offers tons of natural lighting. Skylights in the family room. The French doors lead to the tranquil covered screened-in Lanai. The artisan-shaped solar-heated pool is complete with a spa and color-changing lights. The family room has a toasty wood-burning fireplace for cool Florida evenings. Ready for Florida summer BBQ's and parties? This property sits on a 1/2 acre and boasts an oversized 40 ft by 40 ft patio that oversees the POOL and spa area! Oversized Lot with Mature Oak Trees. All new Luxury Vinyl Flooring throughout 2024. The neighborhood features a community boat dock for residents to have access to Lake Florence, so you can go fishing or enjoy the water. Lake Florence is a tranquil, 131-acre private lake nestled in the historic small town of Montverde. The property is located in the heart of Montverde on a quiet tree-lined street and is just minutes from the prestigious Montverde Academy. Nearby, you will be just 8 minutes from the new Hills of Minneola shopping area and Minneola Town Center that are coming to the area in the next few years. You're also 10 minutes to shopping and dining options in town, including Target and the new Clermont Costco! This is one home you don't want to miss!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,914
Sqft
0.51 ac
Lot size
2
Garage
1988
Year built
One
Levels
$285
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 — not generic estimates.
$4,100 /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
$4,100/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
+19.7%
$/sqft vs Montverde actives
$285 vs $320
Days on market
5 vs 73 typical
Where $285/sqft sits among the 64 Montverde 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 Montverde
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Montverde. See the full Montverde guide →
The numbers that matter
The Montverde market
$707K → $647K
Montverde median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
26 of 64
Montverde actives have cut their price
Median sold price, Montverde, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the Montverde median. See the full Montverde market guide →
Paper trail
This home's history
Reality check
What actually sold near 16045 HARBAR OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$525,000
2675 MARIOTTA RIDGE
3 bd · 2.5 ba · 1,829 sqft · $287/sqft · 0 DOM
Sold · Dec ’25$464,800
975 BRAEWOOD DRIVE
3 bd · 2.5 ba · 1,829 sqft · $254/sqft · 23 DOM
Sold · Aug ’25$430,000
2597 MARIOTTA RIDGE
3 bd · 2.5 ba · 1,812 sqft · $237/sqft · 183 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16045 HARBAR OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16045 HARBAR OAKS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
16045 HARBAR OAKS DRIVE FAQs
What would the monthly payment be for 16045 HARBAR OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,100/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 16045 HARBAR OAKS DRIVE?+
The most recent tax bill on record (2025) was $5,882. 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 16045 HARBAR OAKS DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Montverde?+
At $545,000, this home is listed about 45% below the Montverde median of $999,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Montverde market on paper
$545,000 is 45% below the Montverde median of $999,900, and at $285/sqft it sits under the Montverde average of $385.
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 5 days on market in a Montverde market that averages 73 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Sean Flatley. MLS #O6426629.
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.
Never miss a listing
New Montverde homes, in your inbox
Like 16045 HARBAR OAKS DRIVE but not quite? A daily digest of every new listing in Montverde — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Dan to ping you on any price or status change →