12540 PARK AVENUE, WINDERMERE, FL, 34786
Active165 days on marketListed Feb 13, 2026MLS #O6381869
About this home
12540 PARK AVENUE
Extraordinary Lake Butler views abound from this classically elegant yet recently updated Chaine du Lac estate residence. Cradled in a private cove on Windermere’s signature lake on The Butler Chain, this showplace address stands supreme for its majestic presence, distinguished features and updates, and unsurpassed outdoor resort-style entertainment and living areas. Boasting a new roof, new reimagined primary retreat with a completely renovated bathroom and spa-like shower, new summer kitchen, refreshed game room/theater, and $100,000 designer lighting package by Lightstyle Orlando, this grand residence epitomizes glorious lakefront living. Inspired by tranquil golden sunsets, sparkling lake vistas, and elevated living, every detail has been crafted to create seamless living in a luxurious setting. The sumptuous living and dining rooms are highlighted by soaring ceilings and a dramatic double-sided fireplace, while the spacious family room and breakfast nook seamlessly connect to the kitchen and open to serene water views. The primary suite is masterfully updated with modern appointments including beautiful vanities, an oversized walk-in shower, and a freestanding tub. The primary suite also features a gas fireplace and a private den, offering a quiet escape. A thoughtfully designed guest suite with its own sauna is also located on the main level. Upstairs is a game room with full-bar, half bath, restaurant-grade smoke filtration system, and private balcony. A separate staircase leads to three ensuite bedrooms and newly unveiled recreation room with TV, table games, and built-in bar with beverage cooler. Across the pool deck is a flexible cabana space that can be used for a sixth bedroom, gym, or craft room. The outdoor living spaces are equally impressive, anchored by a spacious sundeck completely overhauled within the last few years that wraps around a shimmering pool accented by elegant fire pits. A newly updated summer kitchen sets the stage for effortless entertaining, while a grand pergola—complete with a loveseat swing and fireplace—offers a serene retreat. The property also features an immaculate sandy beachfront and a private double-slip boat dock keeping water toys within easy reach. A whole-home generator, 4-car garage, and high-energy HVAC units top the wish list of any home seeker. Experience the best of refined lakefront living in this iconic and move-in ready residence in one of Windermere’s most sought-after locations.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
7,740
Sqft
1 ac
Lot size
4
Garage
1995
Year built
Two
Levels
$594
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.
$30,786 /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
$30,786/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.
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.
$/sqft vs Windermere actives
$594 vs $341
Days on market
165 vs 32 typical
Where $594/sqft sits among the 241 Windermere 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 Chaine Du Lac
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Chaine Du Lac — neighborhood snapshot
Population
226
Median age
46
Median income
$198,837
Median home value
$867,000
Avg household
3
Households w/ children
26%
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)
114 of 241
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 481% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 12540 PARK AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$3,150,000
3426 COCARD COURT · same community
4 bd · 4.5 ba · 7,222 sqft · $436/sqft · 103 DOM
Sold · Aug ’25$4,100,000
3428 CHAINE DU LAC BOULEVARD · same community
5 bd · 6 ba · 6,196 sqft · $662/sqft · 41 DOM
Sold · Aug ’25$2,400,000
3412 LILAS COURT · same community
4 bd · 5 ba · 4,712 sqft · $509/sqft · 96 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 12540 PARK AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12540 PARK AVENUE — 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
12540 PARK AVENUE FAQs
What would the monthly payment be for 12540 PARK AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,786/mo — principal and interest, the actual property-tax bill, the $633/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 12540 PARK AVENUE?+
The association fee works out to $633 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12540 PARK AVENUE?+
The most recent tax bill on record (2025) was $41,429. 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 12540 PARK AVENUE?+
The listing reports pets: Breed Restrictions. 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 $4,599,000, this home is listed about 318% 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 12540 PARK AVENUE?+
Windermere High (high), Windermere Elementary (elementary), Bridgewater Middle (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
$4,599,000 runs 481% above the WINDERMERE 34786 median — but at 7,740 sqft it's also nearly 2 times the size of the typical Windermere listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $633/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
165 days on market against a Windermere median of 32 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Windermere High, Windermere Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of STOCKWORTH REALTY GROUP · Rob Rahter. MLS #O6381869.
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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