David Ramirez
$2,798,000$2,868,0006 bd6 ba4,920 sqft$569 /sqft$19,348 /mo all-in ↓

13304 BELLARIA CIRCLE, WINDERMERE, FL, 34786

Active116 days on marketListed Mar 30, 2026MLS #O6391558

Reduced $70KPrivate poolSingle Family ResidenceBELLARIA

About this home

13304 BELLARIA CIRCLE

Some residences are simply houses. Others are a statement. Welcome to Casa Pietra — an exceptional estate nestled within Bellaria, one of Windermere's most exclusive guard-gated communities, where only 64 homes share the privilege of calling this address home. Set on nearly ¾ of an acre with serene water views, this meticulously curated two-story residence offers just under 5,000 square feet of refined living space — 6 bedrooms + office, 6 full bathrooms, and a seamless open-concept floor plan designed for both grand entertaining and intimate everyday living. From the moment you arrive, the travertine-accented façade, symmetrical palm-lined circular driveway, and manicured grounds signal that this is no ordinary home. Step inside and the interiors reveal the same intentionality: soaring ceilings, wide-plank flooring, crown molding, a dramatic stone fireplace wall, custom built-in shelving, and floor-to-ceiling windows that flood every room with natural light — and frame the resort-style backyard like a living work of art. The gourmet kitchen is anchored by a generous island, custom cabinetry, Thermador stainless steel appliances, a butler's pantry, and an oversized walk-in pantry — a space where function and elegance coexist without compromise. The main-floor primary suite offers a private sanctuary with a spa-inspired bathroom designed for true restoration. Upstairs, a second primary suite with private balcony, morning kitchen, and dual custom walk-in closets provides a retreat within a retreat — along with three additional en-suite bedrooms and a loft lounge area. Outside, the resort-style pool and spa — recently resurfaced and elevated with fire bowls, deck tile, and a built-in summer kitchen — anchor a breathtaking backyard designed for the Florida lifestyle at its finest. An aerial view reveals the true scale of the grounds: a dramatic allée of mature palms flanking the pool terrace, generous green space, and total privacy secured by lush hedgerows on all sides. Additional highlights include a 3-car garage, home automation system, gas fireplace, full security system with cameras, wine refrigerator, and landscape lighting — all thoughtfully updated and impeccably maintained. Zoned for top-rated Orange County schools, minutes from Winter Garden Village, upscale dining, and with easy access to major roadways — Casa Pietra is a rare convergence of location, lifestyle, and lasting value. Elegance is not decoration. It is a way of being.

Facts & features

The home at a glance

6

Bedrooms

6

Bathrooms

4,920

Sqft

0.76 ac

Lot size

3

Garage

2013

Year built

Two

Levels

$569

Per sqft

Private poolFireplaceGarden & Pool & Water view

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesBar Fridge · Built-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Gas Water Heater · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Dry Bar · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle · Tile
ConstructionBrick · Concrete · Stucco
FoundationSlab
ViewGarden · Pool · Water
FacesEast
ExteriorBalcony

Community & fees

HOA fee$483/mo
Taxes (2025)$30,699/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesPrivate · Public
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.

$19,348 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$15,098
PMI (est., until 20% equity)$1,049
Property tax — 2025 actual bill$2,558
HOA fee — from the listing$483
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $279,800Loan30-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% · $279,800
Interest rate6.00%
Loan term

Estimated payment

$19,348/mo

Principal & interest$15,098
PMI (est., until 20% equity)$1,049
Property taxes (actual bill)$2,558
HOA / condo fee$483
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.

$/sqft vs Windermere actives

$569 vs $348

Days on market

116 vs 32 typical

Where $569/sqft sits among the 243 Windermere actives

131
50
20 · this home
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 Bellaria

Map of 13304 BELLARIA CIRCLE inside its neighborhood boundary

Drive times from this address

Walt Disney World24 min
Universal Orlando24 min
Downtown Orlando24 min
Orlando Int’l Airport (MCO)38 min

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

Get to know Windermere. See the full Windermere guide →

Bellaria — neighborhood snapshot

Population

419

Median age

43

Median income

$224,336

Median home value

$771,900

Avg household

3

Households w/ children

51%

For the school run

Orange County School District

HighWindermere High★★★★
MiddleBridgewater Middle★★★★
ElementaryWindermere 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 243

Windermere actives have cut their price

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

This home is listed 250% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,798,000 $70K
Mar 30, 2026Listed at $2,868,000 · 116 days on market since
2013Built · BELLARIA

Reality check

What actually sold near 13304 BELLARIA CIRCLE

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

13421 BONICA WAYSold · Apr ’26

$1,170,000

13421 BONICA WAY

6 bd · 4.5 ba · 4,869 sqft · $240/sqft · 17 DOM

12923 WATER POINT BOULEVARDSold · Mar ’26

$2,500,000

12923 WATER POINT BOULEVARD

5 bd · 4.5 ba · 5,005 sqft · $500/sqft · 135 DOM

5106 TILDENS GROVE BOULEVARDSold · Jun ’26

$1,600,000

5106 TILDENS GROVE BOULEVARD

6 bd · 4.5 ba · 4,572 sqft · $350/sqft · 40 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 13304 BELLARIA CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13304 BELLARIA CIRCLE — 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

13304 BELLARIA CIRCLE FAQs

What would the monthly payment be for 13304 BELLARIA CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,348/mo — principal and interest, the actual property-tax bill, the $483/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 13304 BELLARIA CIRCLE?+

The association fee works out to $483 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13304 BELLARIA CIRCLE?+

The most recent tax bill on record (2025) was $30,699. 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 13304 BELLARIA CIRCLE?+

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 Windermere?+

At $2,798,000, this home is listed about 154% 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 13304 BELLARIA CIRCLE?+

Windermere High (high), Bridgewater Middle (middle), Windermere 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

$2,798,000 runs 250% above the WINDERMERE 34786 median — but at 4,920 sqft it's also 54% 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

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

04Strong assigned schools

Windermere High, Bridgewater Middle, Windermere Elementary — Windermere High rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $2,868,000, now $2,798,000 — a $70K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA, LLC · Caroline De Castro Marcellini. MLS #O6391558.

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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