12264 MONTALCINO CIRCLE, WINDERMERE, FL, 34786
Active82 days on marketListed May 4, 2026MLS #O6404587
About this home
12264 MONTALCINO CIRCLE
Lakefront, Luxurious, home with Private Pool in Windermere. A True Paradise! Discover this rare gem in the heart of Windermere, located in the gated community of Casa Del Lago — a spectacular residence that combines sophistication, comfort, and stunning lake views. with over eight expertly designed rooms, this home was carefully customized by the builder down to the smallest detail — from the finishes to the overall design. With four suites, four full bathrooms, and three powder rooms, this home was designed to delight at every turn. Upon entering, you're welcomed by a grand entry hall with soaring ceilings over 10 feet high and elegant porcelain tile flooring, enhancing the space’s refined atmosphere. The living room, complete with a fireplace, offers a cozy yet sophisticated ambiance, while the kitchen is a showstopper: spacious, quartz countertops, a large island with a waterfall design, and impeccably finished custom cabinetry. The master suite, located on the second floor, is a true retreat. It features a private sitting area, a fireplace, and a spa-like bathroom with a double shower, dual sinks, and a sophisticated design focused on your comfort. In addition to the master suite, the second floor includes additional bedrooms and a versatile living area, ideal for use as a home theater or game room. On the ground floor, a guest suite provides the perfect space for entertaining visitors. The home also offers expansive balconies on both floors with panoramic lake views, seamlessly connecting indoor living areas to a breathtaking outdoor setting. Outdoor features include a terrace, a deck, a pool with a resort-style spa, and a gourmet area — perfect for entertaining friends and family. The entire home is hurricane-proof, offering maximum safety and peace of mind for your family. Located in one of Florida's most desirable areas, you'll be near fine dining, luxury shopping, premier entertainment, and, of course, just minutes from the Disney Parks. Don’t miss this unique opportunity to live in style at one of Windermere’s most prestigious addresses. Schedule your visit today and experience this true gem in person! This exceptional lakefront estate was recently prospected to be under contract, highlighting the strong demand for luxury homes in Casa Del Lago. Now available once again, this presents a rare opportunity to secure an extraordinary waterfront residence in one of Windermere's most prestigious gated communities.
Facts & features
The home at a glance
4
Bedrooms
5.5
Bathrooms
7,872
Sqft
1.37 ac
Lot size
3
Garage
2017
Year built
Two
Levels
$697
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.
$39,450 /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
$39,450/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.
$/sqft vs Windermere actives
$697 vs $345
Days on market
82 vs 32 typical
Where $697/sqft sits among the 243 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 Casa Del Lago
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Casa Del Lago — neighborhood snapshot
Population
444
Median age
38
Median income
$87,571
Median home value
$388,900
Avg household
3
Households w/ children
60%
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 243
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 587% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 12264 MONTALCINO CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$3,700,000
12132 MONTALCINO CIRCLE · same community
6 bd · 7 ba · 5,709 sqft · $648/sqft · 205 DOM
Sold · Mar ’26$3,450,000
12120 MONTALCINO CIRCLE · same community
4 bd · 5 ba · 5,138 sqft · $671/sqft · 11 DOM
Sold · Jun ’26$1,750,000
12235 MONTALCINO CIRCLE · same community
4 bd · 4.5 ba · 4,550 sqft · $385/sqft · 107 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 12264 MONTALCINO CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12264 MONTALCINO 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.
Straight answers
12264 MONTALCINO CIRCLE FAQs
What would the monthly payment be for 12264 MONTALCINO CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $39,450/mo — principal and interest, the actual property-tax bill, the $495/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 12264 MONTALCINO CIRCLE?+
The association fee works out to $495 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12264 MONTALCINO CIRCLE?+
The most recent tax bill on record (2024) was $85,351. 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 12264 MONTALCINO CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $5,490,000, this home is listed about 399% 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 12264 MONTALCINO CIRCLE?+
Sunset Park Elementary (elementary), Horizon West Middle (middle), Windermere High (high) — 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
$5,490,000 runs 587% above the WINDERMERE 34786 median — but at 7,872 sqft it's also nearly 2 times the size of 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
82 days on market against a Windermere median of 32 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sunset Park Elementary, Horizon West Middle, Windermere High — Sunset Park Elementary rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $5,860,000, now $5,490,000 — a $370K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Jennifer Olmeda. MLS #O6404587.
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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