David Ramirez
$1,750,000$1,890,0004 bd4 ba5,130 sqft$341 /sqft$12,537 /mo all-in ↓

3013 SEIGNEURY DRIVE, WINDERMERE, FL, 34786

Active172 days on marketListed Feb 2, 2026MLS #O6377087

Reduced $140KPrivate poolSingle Family ResidenceHARBOR ISLE

About this home

3013 SEIGNEURY DRIVE

Stylish and elegant with contemporary touches, welcome home to a magnificent and expansive retreat situated on a 1-acre lot, with full-size lighted sport court with double pickleball courts (or tennis or basketball), set inside the gated enclave of Harbor Isle. This spectacular residence is unduplicated for its secluded setting – yet so close to everything – while offering an abundance of amenities, right at home. Through the grand entrance, the formal living room is bright and chic, with ceiling niche lighting and picturesque windows to enhance the details of this beautifully-crafted estate. Formal living, wine bar, and fabulous chef’s kitchen with breakfast nook with built-ins, plus generously-sized family room enhance your largest gatherings and everyday living. The chef’s kitchen with island and preparation sink feature gas cooktop with hood, stainless appliances, and double ovens. The vast owner’s retreat spans the entire south wing of the house and includes a lovely sitting area, French doors to the patio, large walk-in closets, and a spa-like bath with double vanities, jetted tub, and large shower. Two additional bedrooms are located on the opposite side of the house on the first floor with a Jack and Jill bath and a secondary bed and bath are upstairs off a large game room. The resort-style pool and spa with mammoth paver patio decking and summer kitchen offers a private outdoor retreat under a large screen enclosure. New carpeting and new Plantation shutters just installed. Harbor Isle is an exclusive gated community of just 31 home sites, perched along the shores of Lake Down on The Butler Chain, and on the east side of Windermere offering easy access to downtown Orlando, theme parks, Restaurant Row, and the best shopping options in Central Florida.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

5,130

Sqft

1 ac

Lot size

3

Garage

2002

Year built

Two

Levels

$341

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Porcelain Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Freezer · Gas Water Heater · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofSlate · Tile
ConstructionBlock · Stone · Stucco
FoundationSlab
FacesWest
ParkingCircular Driveway · Driveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Garage Faces Side · Guest
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Kitchen · Sauna · Sliding Doors

Community & fees

HOA fee$250/mo
Taxes (2024)$24,337/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Gated Community - No Guard · Special Community Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected · Sprinkler Well · Street Lights
WaterPublic · Well

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.

$12,537 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property tax — 2024 actual bill$2,028
HOA fee — from the listing$250
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $175,000Loan30-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% · $175,000
Interest rate6.00%
Loan term

Estimated payment

$12,537/mo

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property taxes (actual bill)$2,028
HOA / condo fee$250
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 $1.8M
$1.7MedgeAI estimate $2,428,425 · range $2.0M$3.0M$3.1M

vs edgeAI estimate

−27.9%

$/sqft vs Windermere actives

$341 vs $348

Days on market

172 vs 32 typical

Where $341/sqft sits among the 245 Windermere actives

132 · this home
50
21
16
7
19
$225–370$370–515$515–660$660–805$805–950$950+

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 Harbor Isle

Map of 3013 SEIGNEURY DRIVE inside its neighborhood boundary

Drive times from this address

Universal Orlando10 min
Downtown Orlando15 min
Walt Disney World26 min
Orlando Int’l Airport (MCO)31 min

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

Get to know Windermere. See the full Windermere guide →

Harbor Isle — neighborhood snapshot

Population

556

Median age

51

Median income

$200,500

Median home value

$716,700

Avg household

3

Households w/ children

81%

For the school run

Orange County School District

HighOlympia High★★★★★
MiddleGotha Middle★★★★★
ElementaryThornebrooke Elementary★★★★

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

The numbers that matter

The Windermere market

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

$839K$1.0M

Windermere median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

117 of 245

Windermere actives have cut their price

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

This home is listed 116% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,750,000 $140K
Feb 2, 2026Listed at $1,890,000 · 172 days on market since
2002Built · HARBOR ISLE

Reality check

What actually sold near 3013 SEIGNEURY DRIVE

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

3138 SEIGNEURY DRIVESold · May ’26

$1,175,000

3138 SEIGNEURY DRIVE · same community

4 bd · 4.5 ba · 3,831 sqft · $307/sqft · 25 DOM

8365 Pequod Avenue # 110, Vero Beach FL 32967Sold · Jul ’26

$660,000

8365 Pequod Avenue # 110, Vero Beach FL 32967 · same community

4 bd · 3.5 ba · 2,894 sqft · $228/sqft · 215 DOM

Nearby listingSold · Nov ’25

$625,000

Nearby listing · same community

3 bd · 2.5 ba · 2,622 sqft · $238/sqft · 141 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 3013 SEIGNEURY 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 3013 SEIGNEURY 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

3013 SEIGNEURY DRIVE FAQs

What would the monthly payment be for 3013 SEIGNEURY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,537/mo — principal and interest, the actual property-tax bill, the $250/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 3013 SEIGNEURY DRIVE?+

The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3013 SEIGNEURY DRIVE?+

The most recent tax bill on record (2024) was $24,337. 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 3013 SEIGNEURY 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 Windermere?+

At $1,750,000, this home is listed about 59% 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 3013 SEIGNEURY DRIVE?+

Olympia High (high), Gotha Middle (middle), Thornebrooke 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

$1,750,000 runs 116% above the WINDERMERE 34786 median — but at 5,130 sqft it's also 60% larger than 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

172 days on market against a Windermere median of 32 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Olympia High, Gotha Middle, Thornebrooke Elementary — Thornebrooke Elementary rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,890,000, now $1,750,000 — a $140K cut. The full history is in the market section below.

Listing courtesy of STOCKWORTH REALTY GROUP · Rob Rahter. MLS #O6377087.

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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