
14536 GOLDEN HARBOR LANE, WINTER GARDEN, FL, 34787
Active401 days on marketListed Jul 3, 2025MLS #O6320739
About this home
14536 GOLDEN HARBOR LANE
Short Sale. BACK ON THE MARKET — THROUGH NO FAULT OF THE SELLER! Buyer financing fell through. Welcome Home! 14536 Golden Harbor – a beautifully designed 3-bedroom, 2.5-bathroom home offering 1,904 square feet of thoughtfully laid-out living space. Nestled on the desirable Watermark community on the Disney side of Winter Garden, this Meritage Angelou II model combines modern efficiency with everyday comfort. The home comes equipped with fully PAID OFF solar panels, already wired and ready for connection—making this an energy-smart choice for eco-conscious buyers. As you walk in you are greeted with open-concept living/ dining room area that is ideal for entertaining, with a spacious kitchen located at the rear of the home. Enjoy stainless steel appliances, crown-topped cabinetry, a walk-in pantry, and a generous granite island that flows seamlessly into the living and dining areas. You’ll also find a built-in office nook and a convenient half-bath on this level. Upstairs, a spacious loft adds flexibility—perfect as a second living area, playroom, or home office. The laundry area is thoughtfully tucked away, and the split-bedroom design offers added privacy. The primary suite includes a walk-in closet, dual vanity, and a walk-in shower. Two additional bedrooms are located toward the front of the home and extend access to a private, covered balcony—an ideal spot to catch Disney’s nightly fireworks with a glass of wine and a great book. Whether you're unwinding on the front porch, enjoying balcony views, or taking advantage of community amenities—including a resort-style pool, playground, fitness center, basketball court, and more—you’ll find the lifestyle here hard to beat. You are just walking distance to The Mark, a versatile retail neighborhood center, with stores, restaurants, gas station, and more! Best of all, you’re just minutes from Walt Disney World, Magic Kingdom, Epcot, and Hollywood Studios—each less than 20 minutes away.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,904
Sqft
0.07 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$236
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.
$3,797 /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
$3,797/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
−7.9%
$/sqft vs Winter Garden actives
$236 vs $261
Days on market
401 vs 40 typical
Where $236/sqft sits among the 400 Winter Garden 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 Village F
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Village F — neighborhood snapshot
Population
8,788
Median age
37
Median income
$130,745
Median home value
$496,000
Avg household
3
Households w/ children
1,130
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $620K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
174 of 400
Winter Garden actives have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 14536 GOLDEN HARBOR LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$490,000
14542 GOLDEN HARBOR LANE · same community
3 bd · 2.5 ba · 1,904 sqft · $257/sqft · 28 DOM
Sold · Sep ’25$455,000
9149 GRAND ISLAND WAY · same community
3 bd · 2.5 ba · 1,904 sqft · $239/sqft · 137 DOM
Sold · Jul ’26$505,000
14549 GOLDEN HARBOR LANE · same community
3 bd · 2.5 ba · 2,082 sqft · $243/sqft · 4 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 14536 GOLDEN HARBOR LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14536 GOLDEN HARBOR LANE — 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.
Straight answers
14536 GOLDEN HARBOR LANE FAQs
What would the monthly payment be for 14536 GOLDEN HARBOR LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,797/mo — principal and interest, the actual property-tax bill, the $159/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 14536 GOLDEN HARBOR LANE?+
The association fee works out to $159 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14536 GOLDEN HARBOR LANE?+
The most recent tax bill on record (2024) was $7,554. 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 14536 GOLDEN HARBOR LANE?+
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 Winter Garden?+
At $450,000, this home is listed about 23% below the Winter Garden median of $584,500. The market section on this page shows how the area is trending.
Which schools are assigned to 14536 GOLDEN HARBOR LANE?+
Horizon High School (high), Water Spring Middle School (middle), Panther Lake Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER GARDEN 34787 market on paper
$450,000 is 15% below the WINTER GARDEN 34787 median of $530,000, and at $236/sqft it sits under the Winter Garden average of $279.
02Time on market is leverage
401 days on market against a Winter Garden median of 40 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Horizon High School, Water Spring Middle School, Panther Lake Elementary — Horizon High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $484,000, now $450,000 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PIXEL REALTY,PLLC · Nurit Bland. MLS #O6320739.
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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