David Ramirez
$3,800,0005 bd6 ba7,120 sqft$534 /sqft$24,714 /mo all-in ↓

12623 PARK AVENUE, WINDERMERE, FL, 34786

Active59 days on marketListed May 26, 2026MLS #O6410693

Single Family ResidenceCHAINE DE LAC

About this home

12623 PARK AVENUE

Experience Unparalleled Luxury in Chaine Du Lac Nestled within the sought- after gated community of Chaine Du Lac, this extraordinary custom estate redefines luxury living. Offering over 7,100 sqft of meticulously crafted living space, this magnificent residence features 5 bedrooms, 5 full bathrooms, and 2 half bathrooms, combining timeless elegance with exceptional craftsmanship in one of Central Florida's most sought-after addresses. A pair of custom wrought-iron front doors welcomes you into a breathtaking foyer highlighted by a dramatic circular dome ceiling and grand architectural details. Porcelain flooring flows throughout the home, while custom barrel ceilings, designer ceiling treatments, extensive tray ceilings, and crown molding showcase the remarkable attention to detail found in every room. Expansive windows fill the residence with natural light, creating a warm and inviting atmosphere throughout. Each of the five bedrooms serves as a private suite, complete with its own luxurious en-suite bathroom and custom walk-in closet. Designer ceilings, elegant trim work, offering comfort, privacy, and sophistication for family and guests alike. Designed for both everyday living and grand-scale entertaining, the chef's kitchen is truly a showpiece. Premium Thermador appliances, a custom hand-hammered copper hood, abundant cabinetry, a spacious walk-in pantry, natural gas, and stunning natural quartzite countertops combine beauty and functionality to create an exceptional culinary experience. The outdoor living spaces are equally impressive, featuring over 7,000 square feet of premium travertine hardscaping, including a grand travertine driveway and expansive rear paver terraces. Covered outdoor living areas on both levels are enhanced by beautiful tongue-and-groove wood ceilings, creating seamless indoor-outdoor living. The expansive upstairs balcony offers the perfect setting to relax, entertain, and enjoy Florida's year-round lifestyle. Car enthusiasts will appreciate the oversized 6-car garage, offering ample space for a prized collection, recreational vehicles, or workshop space. A private executive office has been strategically designed with a direct view into the garage, creating a unique showcase for automotive enthusiasts and allowing your collection to become part of the home's everyday living experience. Entertainment and lifestyle amenities continue throughout the home, including a dedicated theater room, whole-home surround sound system, and a private salon complete with its own half bathroom. A durable and elegant metal roof crowns the residence, while extensive custom millwork and luxury finishes further elevate the home's exceptional quality and craftsmanship. Residents enjoy the prestige and security of a community patrolled by the Windermere Police Department following annexation into the Town of Windermere. Just minutes away, experience the charm of downtown Windermere, where weekly farmers markets, food truck gatherings, boutique shopping, and community events create a lifestyle as inviting as it is exclusive. This extraordinary residence offers a rare combination of architectural excellence, luxury finishes, resort-style outdoor living, and an unmatched location within one of Central Florida's most coveted communities. A true showcase estate designed for those who demand the very best in luxury living. More than a home, it's a masterpiece of luxury living in the coveted Chaine Du Lac.

Facts & features

The home at a glance

5

Bedrooms

6

Bathrooms

7,120

Sqft

1.02 ac

Lot size

6

Garage

2023

Year built

Two

Levels

$534

Per sqft

Inside

FlooringPorcelain Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Dryer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Crown Molding · High Ceilings · Primary Bedroom Main Floor · Solid Wood Cabinets · Vaulted Ceiling(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorBalcony · Courtyard · French Doors

Community & fees

HOA fee$687/mo
Taxes (2025)$23,243/yr
PetsNo
CommunityPrivate Boat Ramp

Utilities & systems

UtilitiesNatural Gas Connected · Water Connected
WaterPublic · Well

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.

$24,714 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$20,505
PMI (est., until 20% equity)$1,425
Property tax — 2025 actual bill$1,937
HOA fee — from the listing$687
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $380,000Loan30-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% · $380,000
Interest rate6.00%
Loan term

Estimated payment

$24,714/mo

Principal & interest$20,505
PMI (est., until 20% equity)$1,425
Property taxes (actual bill)$1,937
HOA / condo fee$687
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

$534 vs $348

Days on market

59 vs 32 typical

Where $534/sqft sits among the 239 Windermere actives

131
47
23 · this home
15
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 Chaine Du Lac

Map of 12623 PARK AVENUE inside its neighborhood boundary

Drive times from this address

Universal Orlando22 min
Downtown Orlando26 min
Walt Disney World28 min
Orlando Int’l Airport (MCO)41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Windermere. See the full Windermere guide →

Chaine Du Lac — neighborhood snapshot

Population

226

Median age

46

Median income

$198,837

Median home value

$867,000

Avg household

3

Households w/ children

26%

For the school run

Orange County School District

HighWindermere High★★★★
ElementaryWindermere Elementary★★★★★
MiddleBridgewater 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)

115 of 239

Windermere actives have cut their price

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

This home is listed 376% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

May 26, 2026Listed at $3,800,000 · 59 days on market since
2023Built · CHAINE DE LAC

Reality check

What actually sold near 12623 PARK AVENUE

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

3413 LILAS COURTSold · Jun ’26

$1,975,000

3413 LILAS COURT · same community

4 bd · 4.5 ba · 5,084 sqft · $388/sqft · 0 DOM

4029 ISABELLA CIRCLESold · Jun ’26

$3,120,000

4029 ISABELLA CIRCLE

6 bd · 7 ba · 7,217 sqft · $432/sqft · 18 DOM

3426 COCARD COURTSold · Dec ’25

$3,150,000

3426 COCARD COURT

4 bd · 4.5 ba · 7,222 sqft · $436/sqft · 103 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 12623 PARK AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12623 PARK AVENUE — 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

12623 PARK AVENUE FAQs

What would the monthly payment be for 12623 PARK AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $24,714/mo — principal and interest, the actual property-tax bill, the $687/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 12623 PARK AVENUE?+

The association fee works out to $687 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12623 PARK AVENUE?+

The most recent tax bill on record (2025) was $23,243. 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 12623 PARK AVENUE?+

The listing reports pets: No. 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 $3,800,000, this home is listed about 246% 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 12623 PARK AVENUE?+

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

Three things that matter here

01Positioned at the premium end

$3,800,000 runs 376% above the WINDERMERE 34786 median — but at 7,120 sqft it's also nearly twice the size of the typical Windermere listing.

02Know the monthly fee

The association fee is $687/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03Strong assigned schools

Windermere High, Windermere Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.

Listing courtesy of ELEVATE REAL ESTATE BROKERS · Mohamed Inshan. MLS #O6410693.

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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