13448 BELLARIA CIRCLE, WINDERMERE, FL, 34786
Active304 days on marketListed Sep 22, 2025MLS #O6346484
About this home
13448 BELLARIA CIRCLE
Virtually Staged. Buyer walked days before closing due to personal reasons! All inspections and milestones clean/clear!! - This exceptional Florida residence is perfectly sited on an acre within the exclusive guard-gated community of Bellaria. Thoughtfully designed to balance sophistication with comfort, the home welcomes you with an abundance of natural light streaming through broad front windows, highlighting the elegant handcrafted staircase in the foyer. The formal living and dining areas set the tone for refined entertaining, enhanced by a gas fireplace, a well-appointed wet bar, and expansive views of the sparkling pool and two-story covered porch. Just off the entry, the study provides an intimate retreat with porcelain flooring and clerestory windows, filling the space with natural light and framing serene outdoor vistas. The open-concept family room and kitchen create the heart of the home, where a wall of glass doors seamlessly blends indoor and outdoor living. The gourmet kitchen is a chef’s delight, featuring stainless steel appliances, exotic granite, custom cabinetry, tile flooring, and a spacious walk-in pantry. The first-floor master suite, thoughtfully tucked away for privacy, serves as a true sanctuary. Its spa-inspired bath is adorned with paneled cabinetry, exotic granite, a rainforest shower, soaking tub, and expansive closet areas—both beautiful and functional. Two additional en suite guest bedrooms, a versatile bonus room, and generous living and dining spaces make the main level ideal for everyday living or hosting. Upstairs, the thoughtful layout continues with three bedrooms, a loft, a sitting area, a bonus room, and even a second laundry room for added convenience. These flexible spaces adapt easily to the needs of a growing family or guests, offering opportunities for work, play, or relaxation. Blending elegance with livability, this home captures the essence of Florida living—where interiors open gracefully to resort-style outdoor spaces, making it perfect for both intimate family life and grand entertaining.
Facts & features
The home at a glance
6
Bedrooms
6.5
Bathrooms
6,308
Sqft
0.95 ac
Lot size
3
Garage
2014
Year built
Two
Levels
$507
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.
$21,540 /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
$21,540/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 Bellaria
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Bellaria — neighborhood snapshot
Population
419
Median age
43
Median income
$224,336
Median home value
$771,900
Avg household
3
Households w/ children
51%
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$839K → $1.0M
Windermere median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 291% above the WINDERMERE 34786 median. See the full Windermere 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13448 BELLARIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13448 BELLARIA CIRCLE — 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
13448 BELLARIA CIRCLE FAQs
What would the monthly payment be for 13448 BELLARIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,540/mo — principal and interest, the actual property-tax bill, the $483/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 13448 BELLARIA CIRCLE?+
The association fee works out to $483 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13448 BELLARIA CIRCLE?+
The most recent tax bill on record (2024) was $29,164. 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 13448 BELLARIA 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 Windermere?+
At $3,200,000, this home is listed about 191% above the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13448 BELLARIA CIRCLE?+
Windermere High (high), Bridgewater Middle (middle), Windermere Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$3,200,000 runs 291% above the WINDERMERE 34786 median — but at 6,308 sqft it's also nearly twice the size of the typical Windermere listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
304 days on market against a Windermere median of 32 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Windermere High, Bridgewater Middle, Windermere Elementary — Windermere High rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,250,000, now $3,200,000 — a $50K cut. The full history is in the market section below.
Listing courtesy of KENNEDY REALTY GROUP LLC · Shawn Kennedy. MLS #O6346484.
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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