David Ramirez

15345 PENDIO DRIVE, BELLA COLLINA, FL, 34756

Active30 days on marketListed Jun 20, 2026MLS #G5114038

WaterfrontBELLA COLLINA SUB

About this home

15345 PENDIO DRIVE

One of the few remaining lakefront homesites in Bella Collina, this extraordinary 1.11-acre property offers a rare opportunity to build your custom waterfront estate in one of Central Florida’s most exclusive private communities. With stunning frontage on Lake Siena and the ability to add a private dock, this exceptional homesite is designed for luxury lakefront living. Positioned with an east-facing front elevation, your future outdoor living spaces will capture breathtaking sunset views across the lake each evening. With ample room for a fully custom residence, expansive outdoor entertaining areas, and a resort-style pool, the possibilities are endless. Build with one of Bella Collina’s seven featured custom builders and bring your vision to life with a home tailored to your lifestyle. As an added incentive, the developer will defer the $40,000 Sports Membership Deposit at closing, providing immediate value to the future owner. Residents enjoy world-class amenities including the Sir Nick Faldo-designed golf course, luxury spa, fitness center, resort-style pool, dining, tennis, pickleball, and a vibrant year-round social calendar—all just minutes from Orlando.

Facts & features

The home at a glance

1.11 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesEast

Community & fees

HOA fee$410/mo
Taxes (2025)$11,143/yr
PetsBreed Restrictions, Cats OK, Dogs OK
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Curbs · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · No Truck/RV/Motorcycle Parking · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Fiber Optics · Natural Gas Available · Phone Available · Sewer Available · Sprinkler Meter · Street Lights · Underground Utilities · Water Available
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.

$9,145 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,150
PMI (est., until 20% equity)$497
Property tax — 2025 actual bill$929
HOA fee — from the listing$410
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $132,500Loan30-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% · $132,500
Interest rate6.00%
Loan term

Estimated payment

$9,145/mo

Principal & interest$7,150
PMI (est., until 20% equity)$497
Property taxes (actual bill)$929
HOA / condo fee$410
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.

Where it sits

Inside Bella Collina

Map of 15345 PENDIO DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando37 min
Universal Orlando38 min
Orlando Int’l Airport (MCO)45 min

Get to know Bella Collina. See the full Bella Collina guide →

Bella Collina — neighborhood snapshot

Population

466

Median age

40

Median income

$137,700

Median home value

$582,400

Avg household

3

Households w/ children

64%

For the school run

Lake County School District

HighLake Minneola High School★★★★★
ElementaryGrassy Lake Elementary School★★★★
MiddleEast Ridge Middle School★★★★

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

The numbers that matter

The Bella Collina market

Seller’s marketLeans buyer12.8 months of inventoryBuyer’s market

$2.0M$3.0M

Bella Collina median sold, yr/yr

96.1%

Sale-to-list ratio (12 mo)

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

This home is listed 33% above the BELLA COLLINA 34756 median. See the full Bella Collina market guide →

Paper trail

This home's history

Jun 20, 2026Listed at $1,325,000 · 30 days on market since

Reality check

What actually sold near 15345 PENDIO DRIVE

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

17038 MEDICI WAYSold · Aug ’25

$2,100,000

17038 MEDICI WAY · same community

5 bd · 5.5 ba · 3,698 sqft · $568/sqft · 119 DOM

15210 PENDIO DRIVESold · Jun ’26

$2,275,000

15210 PENDIO DRIVE · same community

4 bd · 4 ba · 3,918 sqft · $581/sqft · 37 DOM

15504 PENDIO DRIVESold · Dec ’25

$2,315,000

15504 PENDIO DRIVE · same community

4 bd · 4.5 ba · 3,996 sqft · $579/sqft · 26 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 15345 PENDIO DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 15345 PENDIO DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

15345 PENDIO DRIVE FAQs

What would the monthly payment be for 15345 PENDIO DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,145/mo — principal and interest, the actual property-tax bill, the $410/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 15345 PENDIO DRIVE?+

The association fee works out to $410 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 15345 PENDIO DRIVE?+

The most recent tax bill on record (2025) was $11,143. 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 15345 PENDIO DRIVE?+

The listing reports pets: Breed Restrictions, 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 Bella Collina?+

At $1,325,000, this home is listed about 41% below the Bella Collina median of $2,237,500. The market section on this page shows how the area is trending.

Which schools are assigned to 15345 PENDIO DRIVE?+

Lake Minneola High School (high), Grassy Lake Elementary School (elementary), East Ridge Middle School (middle) — Lake 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

$1,325,000 runs 33% above the BELLA COLLINA 34756 median.

02Waterfront living

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

03Strong assigned schools

Lake Minneola High School, Grassy Lake Elementary School, East Ridge Middle School — Grassy Lake Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of BELLA COLLINA REAL ESTATE CO · Dawn Roffey. MLS #G5114038.

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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