8991 HERITAGE BAY CIRCLE, ORLANDO, FL, 32836
Active0 days on marketListed Aug 6, 2026MLS #O6429814
About this home
8991 HERITAGE BAY CIRCLE
STEP THROUGH THE GRAND ENTRY into a stunning home featuring a SOARING 23 FOOT CEILING and numerous HIGH QUALITY UPGRADES completed over the years. Elegant wood flooring flows throughout the main living areas, complemented by a BEAUTIFUL TWO TONE MAHAGONY STAIRCASE that creates a striking first impression. The formal living room, enhanced with custom drapery, overlooks the covered porch and sparkling pool. Luminate blinds. The spacious primary suite is conveniently located on the main floor and features a tray ceiling, plantation shutters, separate his and hers walk in closets and a luxurious en-suite bath with Jacuzzi tub, UPDATED DUAL VANITIES AND LINEN CLOSET. Master and Guest Bedroom downstairs. 2 Small areas for study. Also on the first floor is an ideal guest suite or home office, with its own attached full bath. Inside laundry room with stainless steel sink and cabinets. The gourmet kitchen features granite countertops, 2 built in double ovens and updated appliances, with most appliances having been replaced over the years. The bright breakfast nook overlooks the pool, and the adjoining family room provides plenty of space for relaxing and entertaining. Upstairs, you’ll find four spacious bedrooms and addition full bathrooms. All five bathrooms throughout the home have been UPDATED at various times including PLUMBING, TOILETS, AND SINKS. ARCHITECTURAL DETAILS ABOUND, including decorative columns, niches, and tray ceiling that add elegance throughout the home. 2 A/C Units (2017). Newer water heater. ENJOY FLORIDA LIVING with a covered, tiled lanai featuring a BUILT IN SUMMER KITCHEN overlooking a solar heated pool with a fountain and pool sweep system. The large back yard includes a convenient storage shed. Addition highlights include a three car garage with overhead storage, attic stairs, matching tiled driveways and gutters, a generously sized lot, and EXCEPTIONAL LANDSCAPING with mature trees, creating both beauty and privacy. Mangoes, Fig and sweet Apple trees. 24 hour gated and guarded community with Lake access, Playground, Tennis Court. Close to shopping and 80 plus rest and coffee show 2-3 miles 5-10 min to hospital, Malls. 20-25 min. to Disney, EPCOT, many theme parks closer. BEST OF Dr PHILLIPS AREA. Per Seller: some furniture can be sold for separate price. Chandeliers in ENTRY, DINING ROOM and MASTER do not convey. Can be negotiated.
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
3,661
Sqft
0.29 ac
Lot size
3
Garage
2000
Year built
Two
Levels
$340
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.
$8,267 /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
$8,267/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.
Where it sits
Inside Heritage Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orlando. See the full Orlando guide →
Heritage Bay — neighborhood snapshot
Population
783
Median age
45
Median income
$119,761
Median home value
$572,400
Avg household
3
Households w/ children
62%
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)
Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% above the ORLANDO 32836 median. See the full Orlando market guide →
Paper trail
This home's history
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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8991 HERITAGE BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8991 HERITAGE BAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
8991 HERITAGE BAY CIRCLE FAQs
What would the monthly payment be for 8991 HERITAGE BAY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,267/mo — principal and interest, the actual property-tax bill, the $236/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 8991 HERITAGE BAY CIRCLE?+
The association fee works out to $236 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8991 HERITAGE BAY CIRCLE?+
The most recent tax bill on record (2025) was $8,233. 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 8991 HERITAGE BAY CIRCLE?+
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 Orlando?+
At $1,245,000, this home is listed about 218% above the Orlando median of $390,990. The market section on this page shows how the area is trending.
Which schools are assigned to 8991 HERITAGE BAY CIRCLE?+
Bay Meadows Elementary (elementary), Southwest Middle (middle), Lake Buena Vista High School (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,245,000 runs 35% above the ORLANDO 32836 median — but at 3,661 sqft it's also nearly twice the size of 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.
03Fresh on the market
Listed today in a Orlando market that averages 41 — if it fits, move quickly.
04Strong assigned schools
Bay Meadows Elementary, Southwest Middle, Lake Buena Vista High School — Bay Meadows Elementary rates 5 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX SELECT GROUP · Ann Varkey. MLS #O6429814.
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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