David Ramirez
$725,000$860,0004 bd3 ba2,909 sqft$249 /sqft$5,546 /mo all-in ↓

9611 LOST CREEK DRIVE, WINTER GARDEN, FL, 34787

Active201 days on marketListed Jan 14, 2026MLS #O6373845

Reduced $135KFully furnishedSingle Family ResidenceWATERLEIGH PH 3B 3C & 3D

About this home

9611 LOST CREEK DRIVE

No rear neighbors! Situated on a premium conservation lot with lake views, this fully furnished 4-bedroom, 3-bathroom two-story home in the desirable Waterleigh community offers privacy, upgrades, and true move-in-ready convenience. Exceptional curb appeal features a brick paver driveway and welcoming front porch. Inside, enjoy wood-look tile throughout the main living areas, a flexible formal sitting room ideal for entertaining or home office, and an open-concept layout filled with natural light. The upgraded kitchen showcases custom gray cabinetry, stainless steel appliances, designer backsplash, pendant lighting, and generous counter space, flowing seamlessly into the dining and family room. Large windows frame tranquil views of the conservation area and lake, creating a peaceful backdrop for everyday living and entertaining. A first-floor bedroom with full bathroom provides an ideal guest or multigenerational suite. Upstairs, the spacious primary retreat features a tray ceiling and spa-style bath with dual sinks, soaking tub, and separate shower. A large loft offers flexible space for media, office, or play area, also with serene backyard and water views. Two additional bedrooms and a full bath complete the upper level. Step outside to your private outdoor oasis featuring a covered brick-paver lanai with summer kitchen, perfect for entertaining, plus a fully fenced backyard with room to add a pool — all while enjoying the privacy of no rear neighbors and protected conservation behind the home. Waterleigh residents enjoy 3 resort-style pools, 2 clubhouses with fitness centers, walking trails, sand volleyball, dog park, fishing and observation pier, tennis courts, pickleball, playgrounds, and lawn maintenance included in HOA. Zoned for Water Spring Elementary, Water Spring Middle School, and Horizon High School. Prime location near Disney, shopping, dining, SR-429, I-4, SR-417, and Publix. With furniture, golf cart, seller credit, premium lot, outdoor kitchen, and EV-ready garage all included, this home offers outstanding value and an effortless move-in experience.Schedule your private showing today.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,909

Sqft

0.15 ac

Lot size

2

Garage

2021

Year built

Two

Levels

$249

Per sqft

Trees/Woods & Water viewFurnishedPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesNorthwest
ParkingGarage Door Opener
ExteriorIrrigation System

Community & fees

HOA fee$260/mo
Taxes (2025)$11,300/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Fitness Center · Park · Playground · Pool · Racquetball · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity 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.

$5,546 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,912
PMI (est., until 20% equity)$272
Property tax — 2025 actual bill$942
HOA fee — from the listing$260
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $72,500Loan30-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% · $72,500
Interest rate6.00%
Loan term

Estimated payment

$5,546/mo

Principal & interest$3,912
PMI (est., until 20% equity)$272
Property taxes (actual bill)$942
HOA / condo fee$260
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 $725K
$684KedgeAI estimate $741,712 · range $712K$816K$848K

vs edgeAI estimate

−2.3%

$/sqft vs WATERLEIGH PH 3B 3C & 3D

$249 vs $269

Days on market

201 vs 36 typical

Where $249/sqft sits among the 7 homes for sale in WATERLEIGH PH 3B 3C & 3D

3 · this home
1
0
1
0
2
$248–262$262–276$276–290$290–304$304–318$318+

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 9611 LOST CREEK DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World20 min
Downtown Orlando36 min
Universal Orlando37 min
Orlando Int’l Airport (MCO)48 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 marketLeans seller4.5 months of inventoryBuyer’s market

$585K$611K

Winter Garden median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

4 of 7

WATERLEIGH PH 3B 3C & 3D have cut their price

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

This home is listed 37% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →

Paper trail

This home's history

CurrentPrice reduced to $725,000 $135K
Jan 14, 2026Listed at $860,000 · 201 days on market since
2021Built · WATERLEIGH PH 3B 3C & 3D

Reality check

What actually sold near 9611 LOST CREEK DRIVE

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

9062 SONOMA COAST DRIVESold · Jun ’26

$755,000

9062 SONOMA COAST DRIVE · same community

4 bd · 3 ba · 2,909 sqft · $260/sqft · 191 DOM

9374 BOLERO ROADSold · Jan ’26

$687,000

9374 BOLERO ROAD · same community

5 bd · 4 ba · 2,840 sqft · $242/sqft · 12 DOM

8972 SONOMA COAST DRIVESold · Sep ’25

$775,000

8972 SONOMA COAST DRIVE · same community

4 bd · 3.5 ba · 2,758 sqft · $281/sqft · 27 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 9611 LOST CREEK 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 9611 LOST CREEK 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.

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Goes straight to David’s phone and CRM.

Straight answers

9611 LOST CREEK DRIVE FAQs

What would the monthly payment be for 9611 LOST CREEK DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,546/mo — principal and interest, the actual property-tax bill, the $260/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 9611 LOST CREEK DRIVE?+

The association fee works out to $260 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9611 LOST CREEK DRIVE?+

The most recent tax bill on record (2025) was $11,300. 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 9611 LOST CREEK DRIVE?+

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 $725,000, this home is listed about 25% above the Winter Garden median of $581,000. The market section on this page shows how the area is trending.

Which schools are assigned to 9611 LOST CREEK DRIVE?+

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

Five things that matter here

01Positioned at the premium end

$725,000 runs 37% above the WINTER GARDEN 34787 median — but at 2,909 sqft it's also 35% larger than the typical Winter Garden listing.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

201 days on market against a Winter Garden median of 36 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $860,000, now $725,000 — a $135K cut. The full history is in the market section below.

Listing courtesy of M2M REALTY · Patricia Mendonca Garcia Cunha. MLS #O6373845.

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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