David Ramirez
$2,195,000$2,550,0004 bd3.5 ba3,736 sqft$588 /sqft$14,181 /mo all-in ↓

5624 W LAKE BUTLER ROAD, WINDERMERE, FL, 34786

Active65 days on marketListed Jun 3, 2026MLS #O6411407

Reduced $355KWaterfrontSingle Family ResidenceKELSO ON LAKE BUTLER

About this home

5624 W LAKE BUTLER ROAD

Opportunities like this in Windermere rarely reach the open market and are often treasured for generations.Welcome to an extraordinary lakefront estate in the highly coveted community of Kelso on Lake Butler, where timeless architecture, unmatched privacy and the ultimate Florida lifestyle come together on over 2 pristine acres along the shores of private Lake Davis. This sprawling custom one-story estate offers almost 4000 square feet of thoughtfully designed living space with breathtaking sunset views, a private sandy shoreline,private boat ramp and covered boat dock on Lake Davis. Residents of Kelso on Lake Butler also enjoy exclusive access to a private community boat ramp, fishing pier and park on the world-renowned Butler Chain of Lakes,connecting you to 13 interconnected ski lakes and more than 5,000 acres of recreational paradise just moments from your front door. From the moment you arrive, the heavily landscaped grounds,massive brick paver driveway,lush tropical landscaping & mature oak trees create a commanding first impression.Oversized double entry doors open to soaring 14-foot ceilings and an incredible open-concept living space designed for both grand entertaining and everyday comfort.The impressive great room (34x25) is anchored by a dramatic wall of custom built-ins, stunning stonework and an electric fireplace that creates an incredible focal point. The chef’s kitchen is equally spectacular,featuring an oversized gathering island,separate Sub-Zero refrigerator and freezer,custom cabinetry and a showstopping Wolf freestanding range,vented hood and pot filler.This space was designed to bring people together and will quickly become the centerpiece of every gathering. The owner’s retreat is a true private sanctuary , massive custom walk-in closet with additional full sized W & D, massive spa and secluded outdoor shower. On the opposite side of the home, a bonus/flex room leads to an additional ensuite bedroom and two oversized secondary bedrooms connected by a Jack and Jill bath provide exceptional privacy and flexibility for family and guests. A secondary garage exit also allows this area to easily be converted into an in law suite. One of the home’s most captivating features is the massive pocketing glass wall that completely opens the interior to the enormous covered & screened lanai, creating a seamless indoor-outdoor living experience. Tongue & groove ceilings,a summer kitchen and panoramic lake views transform this space into the ultimate entertaining destination.Every evening feels special as you enjoy postcard-worthy sunsets over Lake Davis from the comfort of your own backyard. Additional highlights include a climate-controlled garage,irrigation sourced directly from the lake for reduced waterbill &a durable metal roof designed for decades of drama free ownership. Kelso on Lake Butler is one of Windermere’s most sought-after luxury lakefront communities,known for its canopy oak-lined streets,estate homes and unmatched access to the Butler Chain of Lakes.Tucked away in one of Windermere’s best-kept secrets,yet only minutes from top-rated schools, dining, shopping and major attractions,this location perfectly balances tranquility and convenience. This is more than a home,it is a rare legacy property and a true unicorn opportunity in the Windermere luxury real estate market. Opportunities like this are few and far between.Do not miss your chance to own one of Central Florida’s most special lakefront estates.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,736

Sqft

2.42 ac

Lot size

2

Garage

2016

Year built

One

Levels

$588

Per sqft

WaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringTravertine · Hardwood
AppliancesDishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside
CoolingZoned
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ParkingCircular Driveway · Garage Door Opener · Garage Faces Side · Oversized · Parking Pad
ExteriorGarden · Irrigation System · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$67/mo
Taxes (2025)$15,440/yr
PetsYes
CommunityCommunity Boat Ramp · Fishing · Private Boat Ramp · Water Access · Association Recreation - Owned · Deed Restrictions · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Propane · Sprinkler Well · Underground Utilities · Water Connected
WaterPublic

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.

$14,181 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,844
PMI (est., until 20% equity)$823
Property tax — 2025 actual bill$1,287
HOA fee — from the listing$67
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $219,500Loan30-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% · $219,500
Interest rate6.00%
Loan term

Estimated payment

$14,181/mo

Principal & interest$11,844
PMI (est., until 20% equity)$823
Property taxes (actual bill)$1,287
HOA / condo fee$67
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.

List $2.2M
$796KedgeAI estimate $925,853 · range $829K$965K$2.3M

vs edgeAI estimate

+137.1%

$/sqft vs Windermere actives

$588 vs $341

Days on market

65 vs 46 typical

Where $588/sqft sits among the 236 Windermere actives

133
45
20 · this home
12
6
20
$223–375$375–527$527–680$680–832$832–984$984+

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 Kelso On Lake Butler

Map of 5624 W LAKE BUTLER ROAD inside its neighborhood boundary

Drive times from this address

Universal Orlando25 min
Walt Disney World26 min
Downtown Orlando26 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 →

Kelso On Lake Butler — neighborhood snapshot

Population

851

Median age

46

Median income

$166,793

Median home value

$1,026,300

Avg household

3

Households w/ children

102

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 marketLeans seller4.0 months of inventoryBuyer’s market

$875K$830K

Windermere median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

112 of 236

Windermere actives have cut their price

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

This home is listed 194% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,195,000 $355K
Jun 3, 2026Listed at $2,550,000 · 65 days on market since
2016Built · KELSO ON LAKE BUTLER

Reality check

What actually sold near 5624 W LAKE BUTLER ROAD

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

1125 KELSO BOULEVARDSold · Jul ’26

$1,375,000

1125 KELSO BOULEVARD · same community

4 bd · 3.5 ba · 3,660 sqft · $376/sqft · 14 DOM

1404 KELSO BOULEVARDSold · Sep ’25

$2,075,000

1404 KELSO BOULEVARD · same community

5 bd · 5 ba · 4,197 sqft · $494/sqft · 125 DOM

1424 KELSO BOULEVARDSold · Aug ’25

$1,655,000

1424 KELSO BOULEVARD · same community

4 bd · 2.5 ba · 3,104 sqft · $533/sqft · 70 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 5624 W LAKE BUTLER ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5624 W LAKE BUTLER ROAD — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

5624 W LAKE BUTLER ROAD FAQs

What would the monthly payment be for 5624 W LAKE BUTLER ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,181/mo — principal and interest, the actual property-tax bill, the $67/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 5624 W LAKE BUTLER ROAD?+

The association fee works out to $67 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5624 W LAKE BUTLER ROAD?+

The most recent tax bill on record (2025) was $15,440. 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 5624 W LAKE BUTLER ROAD?+

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 $2,195,000, this home is listed about 104% above the Windermere median of $1,075,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5624 W LAKE BUTLER ROAD?+

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

Four things that matter here

01Positioned at the premium end

$2,195,000 runs 194% above the WINDERMERE 34786 median — but at 3,736 sqft it's also 18% larger than 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.

03Strong assigned schools

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

04The price has already moved

Listed at $2,550,000, now $2,195,000 — a $355K cut. The full history is in the market section below.

Listing courtesy of RE/MAX PRIME PROPERTIES · Ronald Ziolkowski. MLS #O6411407.

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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