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12983 Harvest Rain Ave, Winter Garden, FL, 34787

3beds
4baths
2,858sqft
$750,000
$262price/sqft
$4,913/moest. monthly cost
$196,520/yrincome needed

About This Home

Under Construction. What's Special: Flat Lot | Close to Amenity | Flex Room. New Construction - May Completion! Built by America's Most Trusted Home Builder. Welcome to the Ozark at 12983 Harvest Rain Avenue in Harvest at Ovation! This new home has an inviting gallery-style foyer welcoming you inside and leads past a dedicated study into the open main living area where the dining space flows seamlessly into the gathering room and gourmet kitchen. The kitchen shines with quartz countertops, an apron front stainless steel kitchen sink, cabinets at the kitchen island, and a spacious walk-in pantry designed to keep everything within reach. Pocket sliding doors from the gathering room open to an extended lanai, creating an easy connection between indoor and outdoor living. The primary suite is tucked quietly at the back of the home and features a spa-inspired en-suite bath and a large walk-in closet. Two secondary bedrooms, including one with its own en-suite bath, along with an additional full bath, powder room, nearby laundry area, and a two-car tandem garage complete this thoughtfully designed home. Visit Harvest at Ovation in Winter Garden to enjoy one of the final new-construction opportunities in Horizon West. This charming community offers access to planned amenities including a pool and cabana, a Butterfly Garden, a Nature Play Space, a dog park, and walking trails—all in a highly coveted location. Additional Highlights Include: Gourmet kitchen, study in place of flex, pocket slider at gathering room, shower at bath 3, extended lanai, 8' interior doors, second sink at bath 2, and whole house blinds. Photos are for representative purposes only. MLS#O6397592

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Water Spring ElementaryGrades PK-52.3 mi
5/10
Horizon High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Other

  • Builder model: Ozark
  • Builder name: Taylor Morrison

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Disposal,Gas Water Heater,Microwave,Tankless Water Heater
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Features: No Closet
  • Level: First

Dining Room

  • Features: No Closet
  • Level: First

Features

  • High Ceilings,Open Floorplan,Tray Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Luxury Vinyl

Great Room

  • Features: No Closet
  • Level: First

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,868
  • Total interior livable area: 2,858 sqft

Kitchen

  • Features: No Closet
  • Level: First

Primary Bedroom

  • Features: Tub with Separate Shower Stall,Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: NALOT000251
  • Zoning: RES
  • Special condition: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Irrigation System,Other

Lot

  • Lot size: 7,500 sqft

Parking

  • Total spaces: 2
  • Parking features: Tandem
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Hurricane
Inland Flooding
Lightning
Wildfire
Heat Wave

FEMA Declared Disasters in Orange County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,792$45,504
Home Insurance *$322$3,864
Property Taxes $512$6,144
Electricity $287$3,451
Total$4,913$58,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,445/yr
40% on housing$147,390/yr
45% on housing$131,013/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.0%
14.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 34787$252
Orange County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 34787$257
Orange County$245

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-09Listed for sale$750,000

New Construction Spec

AgentMichelle Campbell
BrokerageTAYLOR MORRISON REALTY OF FLORIDA INC

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