John Carpenter
$634,9004 bd4.5 ba2,917 sqft$218 /sqft$4,946 /mo all-in ↓

970 SAN RAPHAEL STREET, POINCIANA, FL, 34759

Active1 days on marketListed Aug 12, 2026MLS #S5154400

WaterfrontSingle Family ResidenceSOLIVITA PH 07C

About this home

970 SAN RAPHAEL STREET

Welcome to this exceptional custom Venetian model situated on an oversized lot in the highly desirable Portofino neighborhood of Solivita. Offering an impressive combination of luxury, privacy, and spectacular water views, this home features 4 bedrooms, 4.5 bathrooms, a separate in-law suite, den/study, and a full-size 3-car garage. Enter through the gated courtyard and through elegant double leaded-glass doors into the soaring, high-ceiling great room. From the moment you enter, your eyes are drawn through the home to the expansive water views beyond. The dining room is conveniently located adjacent to the kitchen, making entertaining effortless. The chef's dream kitchen features an eat-at bar, abundant granite counter space, ample cabinetry, double built-in ovens, cooktop, tile backsplash, and a charming breakfast nook overlooking the water. The spacious primary suite is a private retreat, complete with a sitting area and its own beautiful water views. Two oversized walk-in closets provide exceptional storage. The luxurious en-suite bathroom features dual vanities, a knee-space makeup area, a large walk-in shower, and a garden tub. Bedrooms 2 and 3 are located on the opposite side of the home, each offering its own en-suite bathroom. A separate den/study conveniently separates the two bedrooms, providing privacy for family members or guests. The private in-law suite is accessed directly from the gated courtyard, offering an ideal space for extended family or guests. The suite includes its own private entrance and a bathroom with a walk-in shower. Step outside to your screened lanai, where you can relax in the hot tub while taking in the breathtaking, expansive water views. A separate patio provides another wonderful outdoor entertaining space. The large backyard offers plenty of room for a future pool and has ample space to create a fenced area for your furry family members. The full-size 3-car garage provides plenty of room for vehicles, golf carts, storage, and more, with convenient attic access for additional storage. This is a rare opportunity to own a custom Venetian with an exceptional multi-generational floor plan, oversized lot, private courtyard, 3-car garage, and stunning water views in one of Solivita's most desirable neighborhoods. A truly special home designed for elegant living and effortless entertaining! The HOA provides exceptional value by covering landscaping maintenance, irrigation, cable TV, and high-speed Internet, allowing you to enjoy a low-maintenance lifestyle in this desirable community. Solivita is a premier 55+ community, offering residents an exceptional lifestyle with state-of-the-art amenities. Enjoy a fully 2 equipped fitness centers, dance and aerobics studios, and an impressive array of recreational options including 14 heated swimming pools, two heated spas, tennis courts, pickleball courts, shuffleboard, bocce ball, billiards, and an art gallery. The community also features three on-site restaurants and two championship 18-hole golf courses. With a full calendar of activities and events, there’s always something new to explore and enjoy. This home is conveniently located near a hospital and medical office complex, and shopping center.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

2,917

Sqft

0.27 ac

Lot size

3

Garage

2006

Year built

One

Levels

$218

Per sqft

WaterfrontWater view55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGarage Door Opener
ExteriorCourtyard · French Doors · Irrigation System · Lighting · Private Mailbox · Rain Gutters · Sprinkler Metered

Community & fees

HOA fee$464/mo
Taxes (2025)$7,894/yr
PetsYes
CommunityAssociation Recreation - Owned · Buyer Approval Required · Deed Restrictions · Fitness Center · Golf · Handicap Modified · Irrigation-Reclaimed Water · Park · Playground · Pool · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Phone Available · Private · Sewer Connected · Solar · Sprinkler Meter · Sprinkler Recycled · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$4,946 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property tax — 2025 actual bill$658
HOA fee — from the listing$464
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $63,490
Interest rate6.00%
Loan term

Estimated payment

$4,946/mo

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property taxes (actual bill)$658
HOA / condo fee$464
Est. insurance$160

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.

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.

$/sqft vs Poinciana actives

$218 vs $180

Days on market

1 vs 22 typical

Where $218/sqft sits among the 197 Poinciana actives

29
44
48
33
23 · this home
20
$140–156$156–172$172–187$187–203$203–219$219+

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 Solivita

Map of 970 SAN RAPHAEL STREET inside its neighborhood boundary

Drive times from this address

Walt Disney World34 min
Universal Orlando44 min
Downtown Orlando50 min
Orlando Int’l Airport (MCO)54 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Poinciana. See the full Poinciana guide →

Solivita — neighborhood snapshot

Population

7,195

Median age

69

Median income

$65,133

Median home value

$323,540

Avg household

2

Households w/ children

196

For the school run

Polk County School District

ElementaryPalmetto Elementary School★★★★★
MiddleLake Marion Creek Middle School★★★★
HighHaines City Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Poinciana market

Seller’s marketBalanced6.1 months of inventoryBuyer’s market

$298K$285K

Poinciana median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

53 of 197

Poinciana actives have cut their price

Median sold price, Poinciana, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 189% above the POINCIANA 34759 median. See the full Poinciana market guide →

Paper trail

This home's history

Aug 12, 2026Listed at $634,900 · 1 days on market since
2006Built · SOLIVITA PH 07C

Reality check

What actually sold near 970 SAN RAPHAEL STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

105 LEMON GROVE DRIVESold · Oct ’25

$580,000

105 LEMON GROVE DRIVE · same community

4 bd · 4.5 ba · 3,052 sqft · $190/sqft · 6 DOM

804 SAN RAPHAEL STSold · Dec ’25

$445,000

804 SAN RAPHAEL ST · same community

3 bd · 3.5 ba · 2,782 sqft · $160/sqft · 639 DOM

693 SAN RAPHAEL STREETSold · Feb ’26

$571,500

693 SAN RAPHAEL STREET · same community

4 bd · 3 ba · 2,761 sqft · $207/sqft · 59 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 970 SAN RAPHAEL STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 970 SAN RAPHAEL STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

970 SAN RAPHAEL STREET FAQs

What would the monthly payment be for 970 SAN RAPHAEL STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,946/mo — principal and interest, the actual property-tax bill, the $464/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 970 SAN RAPHAEL STREET?+

The association fee works out to $464 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 970 SAN RAPHAEL STREET?+

The most recent tax bill on record (2025) was $7,894. 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 970 SAN RAPHAEL STREET?+

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 Poinciana?+

At $634,900, this home is listed about 119% above the Poinciana median of $290,000. The market section on this page shows how the area is trending.

Which schools are assigned to 970 SAN RAPHAEL STREET?+

Palmetto Elementary School (elementary), Lake Marion Creek Middle School (middle), Haines City Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$634,900 runs 189% above the POINCIANA 34759 median — but at 2,917 sqft it's also nearly twice the size of the typical Poinciana listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Poinciana market that averages 22 — if it fits, move quickly.

Listing courtesy of PELLEGO, LLC · Stan Wilson. MLS #S5154400.

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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