6550 CARTMEL LANE, WINDERMERE, FL, 34786
Pending112 days on marketListed Apr 4, 2026MLS #O6396111
About this home
6550 CARTMEL LANE
RARE, ONE-OF-A-KIND FULLY RENOVATED LUXURY CONTEMPORARY ESTATE IN WINDERMERE – OVER HALF AN ACRE WITH PRIVATE POND VIEW Welcome to 6550 Cartmel Ln, located in the exclusive Reserve at Lake Butler Sound — one of Windermere’s most prestigious gated communities. Completely and extensively renovated from top to bottom, this exceptional modern-contemporary residence offers the perfect blend of luxury, sophistication, and privacy. Situated on an oversized lot of more than half an acre, the property showcases serene private pond views and extraordinary outdoor living spaces. This stunning two-story home features 4 bedrooms, 4 full bathrooms, and 1 half bath, with a spacious open-concept layout designed for both comfortable living and elegant entertaining. Every detail has been thoughtfully updated, creating a truly move-in-ready luxury residence. The interior showcases high ceilings, abundant natural light, premium finishes throughout, and luxury vinyl flooring with no carpet anywhere in the home. The gourmet kitchen has been beautifully updated and features stainless steel appliances, quartz countertops, custom cabinetry, and ample space for gathering with family and guests. Step outside to your private backyard retreat, complete with a covered lanai, outdoor kitchen and grill area, sparkling pool, and expansive pond-front setting. Whether relaxing or entertaining, this outdoor space delivers the ultimate Florida lifestyle. Exterior furniture is included, making the home even more turnkey. Additional highlights include a 3-car garage and partially furnished interiors. Residents of Reserve at Lake Butler Sound enjoy an unparalleled lifestyle with 24-hour guard-gated security, private access to the Butler Chain of Lakes, and beautifully maintained community grounds. Ideally located just minutes from: • Walt Disney World Resort • Downtown Winter Garden • The Mall at Millenia • Top-rated schools, fine dining, shopping, and major highways Opportunities like this are rare—a fully renovated luxury home on an oversized waterfront-view lot in one of Central Florida’s premier communities. Schedule your private showing today and experience this extraordinary property firsthand.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,257
Sqft
0.55 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$514
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.
$15,264 /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
$15,264/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
+14.1%
$/sqft vs Windermere actives
$514 vs $348
Days on market
112 vs 32 typical
Where $514/sqft sits among the 244 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 Reserve At Lake Butler Sound
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Reserve At Lake Butler Sound — neighborhood snapshot
Population
1,558
Median age
46
Median income
$166,793
Median home value
$1,026,300
Avg household
3
Households w/ children
190
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)
117 of 244
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 174% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 6550 CARTMEL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$2,050,000
6143 CARTMEL LANE · same community
4 bd · 5.5 ba · 4,582 sqft · $447/sqft · 100 DOM
Sold · Dec ’25$1,375,000
11019 KENTMERE COURT · same community
4 bd · 4 ba · 3,813 sqft · $361/sqft · 186 DOM
Sold · Apr ’26$2,100,000
11026 CONISTON WAY · same community
6 bd · 7.5 ba · 5,783 sqft · $363/sqft · 2 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 6550 CARTMEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6550 CARTMEL LANE — 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
6550 CARTMEL LANE FAQs
What would the monthly payment be for 6550 CARTMEL LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,264/mo — principal and interest, the actual property-tax bill, the $520/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 6550 CARTMEL LANE?+
The association fee works out to $520 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6550 CARTMEL LANE?+
The most recent tax bill on record (2025) was $23,347. 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 6550 CARTMEL LANE?+
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 $2,190,000, this home is listed about 99% 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 6550 CARTMEL LANE?+
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
$2,190,000 runs 174% above the WINDERMERE 34786 median — but at 4,257 sqft it's also 33% 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.
03Know the monthly fee
The association fee is $520/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
112 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 WRA BUSINESS & REAL ESTATE · Jennifer Olmeda. MLS #O6396111.
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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