15686 PANTHER LAKE DRIVE, WINTER GARDEN, FL, 34787
Active154 days on marketListed Mar 13, 2026MLS #O6390015
About this home
15686 PANTHER LAKE DRIVE
Virtually Staged. Beautiful home located at 15686 Panther Lake Dr, offering the perfect blend of comfort, privacy, and the Florida lifestyle. The backyard is a true retreat, featuring a private pool with a relaxing jacuzzi, ideal for entertaining guests or unwinding after a long day. One of the most distinctive highlights of this property is the view of the Disney fireworks, which you can enjoy right from your home, adding a magical touch to your evenings. Conveniently located near shopping, dining, major highways, and world-class attractions, this home presents a fantastic opportunity to enjoy resort-style living in one of Central Florida’s most desirable locations.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,094
Sqft
0.28 ac
Lot size
2
Garage
2019
Year built
One
Levels
$394
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.
$8,602 /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
$8,602/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.
vs edgeAI estimate
+5.8%
$/sqft vs Winter Garden actives
$394 vs $260
Days on market
154 vs 40 typical
Where $394/sqft sits among the 400 Winter Garden 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 Village F
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Village F — neighborhood snapshot
Population
8,788
Median age
37
Median income
$130,745
Median home value
$496,000
Avg household
3
Households w/ children
1,130
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $626K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
188 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 128% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 15686 PANTHER LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,020,000
15136 CANOE PLACE · same community
5 bd · 4.5 ba · 3,917 sqft · $260/sqft · 88 DOM
Sold · Jul ’26$1,070,000
15124 CANOE PLACE · same community
5 bd · 4.5 ba · 3,953 sqft · $271/sqft · 12 DOM
Sold · Jan ’26$1,150,000
15716 PANTHER LAKE DRIVE · same community
5 bd · 4.5 ba · 4,693 sqft · $245/sqft · 162 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 15686 PANTHER LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15686 PANTHER LAKE 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.
Straight answers
15686 PANTHER LAKE DRIVE FAQs
What would the monthly payment be for 15686 PANTHER LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,602/mo — principal and interest, the actual property-tax bill, the $456/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 15686 PANTHER LAKE DRIVE?+
The association fee works out to $456 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15686 PANTHER LAKE DRIVE?+
The most recent tax bill on record (2025) was $11,351. 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 15686 PANTHER LAKE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,220,000, this home is listed about 109% above the Winter Garden median of $584,500. The market section on this page shows how the area is trending.
Which schools are assigned to 15686 PANTHER LAKE DRIVE?+
Horizon High School (high), Water Spring Middle School (middle), Panther Lake 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
$1,220,000 runs 128% above the WINTER GARDEN 34787 median — but at 3,094 sqft it's also 44% larger than the typical Winter Garden 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
154 days on market against a Winter Garden median of 40 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Horizon High School, Water Spring Middle School, Panther Lake Elementary — Horizon High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,300,000, now $1,220,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JOHN SILVA REALTY & ASSOCIATES · Daniel Vilela. MLS #O6390015.
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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