13226 ZORI LANE, WINDERMERE, FL, 34786
Active97 days on marketListed May 1, 2026MLS #O6403132
About this home
13226 ZORI LANE
WELCOME to this STUNNING, BEAUTIFULLY UPDATED, MOVE-IN READY home in one of Windermere’s most desirable locations! From the moment you arrive, this exceptional property captures your attention with its BRICK-PAVED DRIVEWAY, CHARMING FRONT PORCH, BEAUTIFULLY ENHANCED FRONT AND BACK LANDSCAPING, and RAIN GUTTERS, offering outstanding curb appeal and a warm first impression. Boasting over 2,521 square feet of living space, this spacious home features 4 BEDROOMS, 2 BATHROOMS, a 2-CAR GARAGE, and a thoughtfully designed open layout that is perfect for both comfortable everyday living and effortless entertaining. Inside, you will find TILE FLOORING THROUGHOUT, SOARING 8-FOOT DOORS, ARCHED WALKWAYS, CROWN MOLDING, UPGRADED LIGHT FIXTURES, and RECESSED LIGHTING THROUGHOUT THE HOUSE, creating a bright, elegant, and inviting atmosphere. This home has been tastefully refreshed with FRESH INTERIOR PAINT THROUGHOUT, and the KITCHEN CABINETS HAVE BEEN RE-SURFACED AND PAINTED, giving the entire home a clean, stylish, and modern feel. The kitchen opens seamlessly to the family room and breakfast nook, making it the perfect central space for gathering, relaxing, and entertaining. Additional highlights include STAINLESS STEEL APPLIANCES, CEILING FANS, BUILT-IN SURROUND SOUND, EXTERIOR SPOTLIGHTS, CAMERA SECURITY SYSTEM, and an EV CHARGING PORT INSTALLED, adding both comfort and modern convenience. Major value-added improvements include a RE-ROOF COMPLETED IN SEPTEMBER 2020, SPRAY FOAM ATTIC INSULATION for enhanced energy efficiency, and a HIGH-QUALITY HVAC SYSTEM INSTALLED IN OCTOBER 2017, offering lasting comfort and peace of mind. The oversized PRIMARY SUITE serves as a private retreat, complete with a cozy sitting area, CEILING MOLDING, and sliding glass door access to the SCREENED LANAI. The spacious primary bathroom features a GARDEN TUB, WALK-IN SHOWER WITH FRAMELESS GLASS DOOR, DUAL VANITIES, and a LARGE WALK-IN CLOSET. Step outside and enjoy the SCREENED LANAI and spacious backyard, ideal for relaxing, entertaining, or simply enjoying the Florida lifestyle. The community also offers a RESORT-STYLE POOL and TOT LOT for residents to enjoy. Perfectly located just minutes from top-rated schools, Windermere Preparatory, Windermere High School, Publix, Aldi, shopping, dining, Winter Garden Village, the 429 Expressway, Butler Chain of Lakes, and world-famous theme parks, this home offers the perfect blend of LOCATION, STYLE, and VALUE. A rare opportunity to own a BEAUTIFULLY UPDATED home in Windermere that truly stands out. Schedule your private showing today! 3D TOUR AND FLOOR PLAN LINK ABOVE.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,521
Sqft
0.17 ac
Lot size
2
Garage
2004
Year built
One
Levels
$260
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.
$4,371 /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
$4,371/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
+11.7%
$/sqft vs Windermere actives
$260 vs $341
Days on market
97 vs 46 typical
Where $260/sqft sits among the 237 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.
The investor lens
Two ways this home pays
This home sits inside Providence, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$38,641/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,913/mo median
Live Windermere rental listing data — this home’s rate depends on size, condition and furnishing.
The Winter Garden short-term market
▼ Softening50%
Occupancy
▼ 38% yr/yr
$183
Avg nightly rate
▲ 25% yr/yr
$21K/yr
Revenue per listing
$89
RevPAR
39 days
Booking lead time
5.1 nights
Avg stay
4
Typical min nights
149
Active rentals
▲ 8% supply
Seasonality — monthly occupancy
Peaks at 56% in Mar · bottoms at 34% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Winter Garden — the projection above is specific to this home’s size.
Where it sits
Inside Providence
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Providence is a short-term-rental community. See the full guide →
Providence — neighborhood snapshot
Population
1,095
Median age
38
Median income
$161,214
Median home value
$522,100
Avg household
3
Households w/ children
199
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
$875K → $968K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
113 of 237
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13226 ZORI LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$560,000
13237 FOSSICK ROAD · same community
4 bd · 2 ba · 2,516 sqft · $223/sqft · 56 DOM
Sold · Feb ’26$640,000
13413 ZORI LANE · same community
4 bd · 3 ba · 2,830 sqft · $226/sqft · 85 DOM
Sold · Apr ’26$580,000
12980 HOLDENBURY LANE
3 bd · 2.5 ba · 2,504 sqft · $232/sqft · 5 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 13226 ZORI LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13226 ZORI 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
13226 ZORI LANE FAQs
What would the monthly payment be for 13226 ZORI LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,371/mo — principal and interest, the actual property-tax bill, the $110/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 13226 ZORI LANE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13226 ZORI LANE?+
The most recent tax bill on record (2025) was $3,850. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 13226 ZORI LANE be rented short-term?+
Yes — this home sits inside Providence, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 13226 ZORI 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 $655,000, this home is listed about 39% below the Windermere median of $1,080,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13226 ZORI LANE?+
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
01Under the WINDERMERE 34786 market on paper
$655,000 is 13% below the WINDERMERE 34786 median of $749,998, and at $260/sqft it sits under the Windermere average of $454.
02Zoned for nightly rentals
Providence is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
97 days on market against a Windermere median of 46 — 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 $675,000, now $655,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Aziz Elbrak. MLS #O6403132.
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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