David Ramirez
$595,000$610,0004 bd3.5 ba2,474 sqft$241 /sqft$4,569 /mo all-in ↓

16031 SCARPETTA STREET, WINTER GARDEN, FL, 34787

Active201 days on marketListed Jan 13, 2026MLS #O6373345

Reduced $15KSingle Family ResidenceWATERLEIGH PH 4B & 4C

About this home

16031 SCARPETTA STREET

Welcome to this beautiful 4-bedroom, 3.5-bath home located in the highly sought-after community of Waterleigh in Winter Garden. This stunning residence features tile throughout the first-floor main living areas and has an open floor plan with sleek finishes and quartz countertops, creating a modern and stylish atmosphere. There is one bedroom on the first floor that can serve as an in-law or guest bedroom, while upstairs you'll find three additional bedrooms, including a spacious master retreat. The upstairs also includes a versatile loft area, perfect for a home office, playroom, or additional living space. This home offers not just a comfortable living space but a vibrant lifestyle within a master planned community. Enjoy access to a resort style clubhouse, multiple pools with a fitness center, playgrounds, and sports fields. Additional amenities include mini golf, walking and nature trails, beach volleyball, and all concrete block construction for durability. The home features smart home technology, and all landscaping is included for your convenience. The community is family friendly with an elementary and middle school located right inside, while the high school is just minutes away. As you arrive, you'll be greeted by a beautiful waterfall entrance. Waterleigh is golf cart friendly and conveniently located with a Publix at the front of the neighborhood. Situated in a prime location, you're just minutes from all that Orlando showcases. Enjoy nightly views of the Disney fireworks, with easy access to Disney World. Explore the heart of Horizon West, including Hamlin Town Center and Flamingo Crossings, both offering a wide variety of shopping, dining, and entertainment options. With quick access to the Turnpike, commuting around Orlando is a breeze. This is truly a fantastic place to live!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,474

Sqft

0.12 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$241

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Thermostat · Walk-In Closet(s)
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
FacesSouth
ExteriorIrrigation System · Lighting · Sidewalk · Sliding Doors

Community & fees

HOA fee$268/mo
Taxes (2024)$8,487/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Available · Phone Available · Public · Sewer Available · 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.

$4,569 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,211
PMI (est., until 20% equity)$223
Property tax — 2024 actual bill$707
HOA fee — from the listing$268
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,500Loan30-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% · $59,500
Interest rate6.00%
Loan term

Estimated payment

$4,569/mo

Principal & interest$3,211
PMI (est., until 20% equity)$223
Property taxes (actual bill)$707
HOA / condo fee$268
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.

List $595K
$542KedgeAI estimate $581,555 · range $565K$614K$639K

vs edgeAI estimate

+2.3%

$/sqft vs Winter Garden actives

$241 vs $261

Days on market

201 vs 31 typical

Where $241/sqft sits among the 400 Winter Garden actives

65
130 · this home
103
42
28
32
$175–217$217–259$259–301$301–344$344–386$386+

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 Hickory Hut

Map of 16031 SCARPETTA STREET inside its neighborhood boundary

Drive times from this address

Walt Disney World16 min
Downtown Orlando32 min
Universal Orlando33 min
Orlando Int’l Airport (MCO)44 min
Downtown Tampa75 min

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

Get to know Winter Garden. See the full Winter Garden guide →

Hickory Hut — neighborhood snapshot

Population

5,306

Median age

38

Median income

$152,813

Median home value

$545,824

Avg household

3

Households w/ children

664

For the school run

Orange County School District

ElementaryWater Spring Elementary★★★★★
HighHorizon High School★★★★
MiddleWater Spring Middle School★★★★

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

The numbers that matter

The Winter Garden market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$580K$570K

Winter Garden median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

162 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 12% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →

Paper trail

This home's history

CurrentPrice reduced to $595,000 $15K
Jan 13, 2026Listed at $610,000 · 201 days on market since
2023Built · WATERLEIGH PH 4B & 4C

Reality check

What actually sold near 16031 SCARPETTA STREET

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

16230 CARRAWAY BAY ALLEYSold · Jul ’26

$550,000

16230 CARRAWAY BAY ALLEY · same community

4 bd · 3.5 ba · 2,474 sqft · $222/sqft · 114 DOM

16602 POINT ROCK DRIVESold · Mar ’26

$585,000

16602 POINT ROCK DRIVE · same community

4 bd · 3.5 ba · 2,474 sqft · $236/sqft · 140 DOM

16632 POINT ROCK DRIVESold · Jul ’26

$530,000

16632 POINT ROCK DRIVE · same community

4 bd · 3.5 ba · 2,292 sqft · $231/sqft · 149 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 16031 SCARPETTA 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 16031 SCARPETTA STREET — 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

16031 SCARPETTA STREET FAQs

What would the monthly payment be for 16031 SCARPETTA STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,569/mo — principal and interest, the actual property-tax bill, the $268/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 16031 SCARPETTA STREET?+

The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16031 SCARPETTA STREET?+

The most recent tax bill on record (2024) was $8,487. 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 16031 SCARPETTA 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 Winter Garden?+

At $595,000, this home is listed about 1% above the Winter Garden median of $589,945. The market section on this page shows how the area is trending.

Which schools are assigned to 16031 SCARPETTA STREET?+

Water Spring Elementary (elementary), Horizon High School (high), Water Spring Middle School (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$595,000 runs 12% above the WINTER GARDEN 34787 median.

02Time on market is leverage

201 days on market against a Winter Garden median of 31 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Water Spring Elementary, Horizon High School, Water Spring Middle School — Horizon High School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $610,000, now $595,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of VALSTAR REALTY LLC · Teresa Valdes. MLS #O6373345.

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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