David Ramirez
$2,950,0005 bd4 ba7,153 sqft$412 /sqft$18,769 /mo all-in ↓

4301 DOWN POINT LANE, WINDERMERE, FL, 34786

Active99 days on marketListed Apr 11, 2026MLS #O6398366

WaterfrontPrivate poolSingle Family ResidenceDOWN POINT SUB

About this home

4301 DOWN POINT LANE

Lakefront estate on Lake Down in the Butler Chain of Lakes with over 150 feet of frontage and no HOA in Sunset Bay. Built in 1983, this 5 bedroom, 4 bath pool home offers nearly 7,000 square feet across three levels and presents a rare opportunity to renovate a true chain-of-lakes property to your own style and standards. Home retains much of its original character and is priced accordingly, creating strong value for buyers seeking premier waterfront frontage, square footage, and long-term upside in one of Windermere’s most desirable locations. Main level includes kitchen, dining area, secondary bedrooms, full baths, oversized laundry room, and sliding doors opening to covered outdoor living and lake views. A few steps down, the sunken living room features a bar, fireplace, storage, and direct water views. Upstairs, the primary suite includes a fireplace, large walk-in closet, dual vanities, tub, separate shower, and screened balcony overlooking the lake. This level also includes a private office. The lower level is a standout feature, offering a full basement living space with its own kitchen, living room, bedroom, full bath, and direct pool access, ideal for extended family, guests, or multigenerational living. An additional reinforced interior room provides flexible use as a secure safe room, storm shelter, private storage room, or secluded flex space. Outdoor features include a screened pool, covered entertaining area, fenced yard, and private dock with space for two boats and two jet skis. Garage space accommodates up to 6 cars, plus a 2-car carport and a large circular driveway that provides additional parking for guests, larger households, or recreational vehicles. Additional storage areas and the lower-level garage create excellent space for boat gear, kayaks, paddle boards, trailers, and lakefront equipment. Home is priced in line with its recent appraisal, with the value reflecting both its current condition and the renovation investment a future owner may choose to make. For buyers seeking a large lakefront footprint, multigenerational layout, extensive parking, and the ability to modernize to today’s standards, this property offers a rare value on the Butler Chain. Located minutes from downtown Windermere, Restaurant Row, golf, shopping, and major attractions.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

7,153

Sqft

0.72 ac

Lot size

6

Garage

1983

Year built

Two

Levels

$412

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringCarpet · Ceramic Tile · Laminate · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · High Ceilings · Kitchen/Family Room Combo · L Dining · PrimaryBedroom Upstairs · Solid Surface Counters · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesWest
ParkingCircular Driveway · Driveway · Garage Door Opener · Ground Level
ExteriorBalcony · Courtyard · French Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Shower · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$19,012/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Available · Natural Gas Connected · Phone Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$18,769 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$15,918
PMI (est., until 20% equity)$1,106
Property tax — 2025 actual bill$1,584
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $295,000Loan30-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% · $295,000
Interest rate6.00%
Loan term

Estimated payment

$18,769/mo

Principal & interest$15,918
PMI (est., until 20% equity)$1,106
Property taxes (actual bill)$1,584
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

$412 vs $347

Days on market

99 vs 32 typical

Where $412/sqft sits among the 234 Windermere actives

129
44 · this home
22
16
6
17
$225–376$376–527$527–678$678–829$829–979$979+

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 Windermere

Map of 4301 DOWN POINT LANE

Drive times from this address

Universal Orlando14 min
Downtown Orlando24 min
Walt Disney World32 min
Orlando Int’l Airport (MCO)32 min

Get to know Windermere. See the full Windermere guide →

WINDERMERE 34786 — neighborhood snapshot

Population

43,700

Median age

37.9

Median income

$131,409

Median home value

$621,300

Avg household

2.9

Households w/ children

6,277

For the school run

Orange County School District

ElementaryWindermere Elementary★★★★★
HighOlympia High★★★★★
MiddleGotha Middle★★★★★

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)

116 of 234

Windermere actives have cut their price

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

This home is listed 269% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

Apr 11, 2026Listed at $2,950,000 · 99 days on market since
1983Built · DOWN POINT SUB

Reality check

What actually sold near 4301 DOWN POINT LANE

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

4200 DOWN POINT LANESold · May ’26

$8,500,000

4200 DOWN POINT LANE · same community

6 bd · 8 ba · 14,435 sqft · $589/sqft · 8 DOM

4978 WASHINGTON AVENUESold · Sep ’25

$1,950,000

4978 WASHINGTON AVENUE

4 bd · 4.5 ba · 7,107 sqft · $274/sqft · 469 DOM

1003 DOWN RESERVE COURTSold · Mar ’26

$4,500,000

1003 DOWN RESERVE COURT

6 bd · 7 ba · 6,816 sqft · $660/sqft · 116 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 4301 DOWN POINT LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4301 DOWN POINT 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.

Goes straight to David’s phone and CRM.

Straight answers

4301 DOWN POINT LANE FAQs

What would the monthly payment be for 4301 DOWN POINT LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,769/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 4301 DOWN POINT LANE?+

The most recent tax bill on record (2025) was $19,012. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Windermere?+

At $2,950,000, this home is listed about 168% 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 4301 DOWN POINT LANE?+

Windermere Elementary (elementary), Olympia High (high), Gotha Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$2,950,000 runs 269% above the WINDERMERE 34786 median — but at 7,153 sqft it's also nearly twice 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.

03Time on market is leverage

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

04Strong assigned schools

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

Listing courtesy of EXP REALTY LLC · Phil Mariani. MLS #O6398366.

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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