9942 SUMMERLAKE GROVES STREET, WINTER GARDEN, FL, 34787
Active110 days on marketListed Apr 30, 2026MLS #O6402319
About this home
9942 SUMMERLAKE GROVES STREET
PRICE TO SELL !! Former model home now available for sale in the highly desirable Watermark community of Horizon West! This nearly new residence has been lightly used as a second home and remains in pristine condition, offering the perfect blend of luxury, comfort, and convenience—without the wait for new construction. This beautifully upgraded home showcases custom designer finishes throughout, including extensive wood wall paneling, modern vinyl flooring with no carpet, and fully renovated bathrooms that elevate the overall design. The thoughtfully designed layout features a spacious gourmet kitchen with quartz countertops, elegant cabinetry, and a large center island—ideal for entertaining and everyday living. The main level offers a private guest suite, a half bath with direct access to the pool area, and a versatile flex space currently used as a gym, easily adaptable as a formal dining room or home office. An additional open area near the living room provides the perfect setting for a workspace or playroom. Upstairs, the owner’s suite serves as a relaxing retreat, complemented by two additional bedrooms, a shared bathroom, and ample storage space. Step outside to your private outdoor oasis featuring a north-facing pool that allows for natural sunlight throughout the day while maintaining a shaded and comfortable lanai area. The fully fenced backyard provides added privacy—perfect for enjoying Florida living year-round. Located in the heart of Winter Garden, within the sought-after Horizon West area, residents of Watermark enjoy resort-style amenities including a pool, splash pad, playground, tennis courts, recreational center, and outdoor amphitheater. Conveniently situated just minutes from Disney and with easy access to SR-429, offering seamless connectivity throughout Central Florida.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,935
Sqft
0.14 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$289
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.
$6,198 /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
$6,198/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
−1.3%
$/sqft vs Winter Garden actives
$289 vs $259
Days on market
110 vs 40 typical
Where $289/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 → $620K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
196 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 62% 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 9942 SUMMERLAKE GROVES STREET
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$415,000
528 WATERMARK DRIVE · same community
4 bd · 2.5 ba · 2,560 sqft · $162/sqft · 0 DOM
Sold · Dec ’25$700,000
9213 HOLLISTON CREEK PLACE · same community
4 bd · 3.5 ba · 3,443 sqft · $203/sqft · 96 DOM
Sold · Apr ’26$386,540
644 ROCKAWAY LANE · same community
4 bd · 2.5 ba · 2,313 sqft · $167/sqft · 44 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 9942 SUMMERLAKE GROVES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9942 SUMMERLAKE GROVES STREET — 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
9942 SUMMERLAKE GROVES STREET FAQs
What would the monthly payment be for 9942 SUMMERLAKE GROVES STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,198/mo — principal and interest, the actual property-tax bill, the $164/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 9942 SUMMERLAKE GROVES STREET?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9942 SUMMERLAKE GROVES STREET?+
The most recent tax bill on record (2025) was $11,696. 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 9942 SUMMERLAKE GROVES STREET?+
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 $849,000, this home is listed about 48% above the Winter Garden median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9942 SUMMERLAKE GROVES STREET?+
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
$849,000 runs 62% above the WINTER GARDEN 34787 median — but at 2,935 sqft it's also 37% 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
110 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 $919,000, now $849,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA CONNEXION PROPERTIES · Mulcy Tenorio. MLS #O6402319.
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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