David Ramirez
$885,0005 bd4 ba3,687 sqft$240 /sqft$6,588 /mo all-in ↓

13978 LANYARD WAY, WINTER GARDEN, FL, 34787

Active71 days on marketListed May 29, 2026MLS #O6411513

Single Family ResidenceENCORE/OVATION-PH 3

Come see it

Upcoming open house

Sat, Aug 8

11:00 PM – 1:00 PM

About this home

13978 LANYARD WAY

Experience elevated Florida living in the highly sought-after resort-style community of Encore at Ovation, just minutes from Walt Disney World and Central Florida’s premier attractions. This exceptional 5 bedroom, 4 bath residence offers 3,687 square feet of thoughtfully designed living space with tranquil conservation views, blending luxury, comfort and functionality in every detail. From the moment you enter, you’ll appreciate the home’s refined finishes, expansive layout and seamless indoor-outdoor flow designed for both everyday living and effortless entertaining. Upgraded tile flooring spans the entire main level, while engineered hardwood flooring enhances the staircase. At the heart of the home, the gourmet kitchen is beautifully appointed with upgraded cabinetry, premium countertops, an exterior-vented range hood and a redesigned oversized center island strategically positioned to maximize prep and cooking space — an ideal setup for both casual meals and culinary enthusiasts. A large walk-in pantry provides abundant storage, while the formal dining room offers the perfect setting for hosting family dinners and special occasions. The main floor also features a private guest bedroom and full bath with direct outdoor access, creating the perfect space for visitors, multigenerational living or a dedicated home office. Upstairs, an elegant open-rail staircase leads to a bright and versatile loft area, ideal for a media room, workspace or additional lounge space. The luxurious primary suite serves as a true retreat, complete with a spa-inspired en-suite bath featuring dual vanities, a semi-frameless glass shower, an expansive walk-in closet and a private balcony perfect for enjoying Florida’s year-round sunshine. Three additional generously sized bedrooms and another spacious loft complete the upper level. Additional upgrades include a well-designed laundry room with a built-in utility sink for added convenience. A spacious three-car tandem garage offers ample room for vehicles, storage and hobbies. Step outside to the fenced expansive backyard overlooking peaceful conservation views, with plenty of room to design your dream outdoor oasis. Residents of Encore at Ovation enjoy access to outstanding community amenities including a resort-style pool, clubhouse, fitness center and lawn maintenance services. Ideally located near world-class shopping, dining, entertainment and major highways, this move-in-ready home offers the perfect blend of luxury, lifestyle and convenience. Don’t miss the opportunity to make this stunning property your next home.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,687

Sqft

0.16 ac

Lot size

3

Garage

2022

Year built

Two

Levels

$240

Per sqft

Trees/Woods view

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Freezer · Gas Water Heater · Microwave · Refrigerator · Tankless Water Heater
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s)
LaundryElectric Dryer Hookup · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingElectric · Natural Gas · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesNorth
ExteriorBalcony · Irrigation System · Outdoor Grill · Outdoor Kitchen · Sidewalk · Sliding Doors

Community & fees

HOA fee$225/mo
Taxes (2025)$13,148/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Dog Park · Fitness Center · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected · Solar · Street Lights · 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.

$6,588 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,775
PMI (est., until 20% equity)$332
Property tax — 2025 actual bill$1,096
HOA fee — from the listing$225
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $88,500Loan30-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% · $88,500
Interest rate6.00%
Loan term

Estimated payment

$6,588/mo

Principal & interest$4,775
PMI (est., until 20% equity)$332
Property taxes (actual bill)$1,096
HOA / condo fee$225
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 $885K
$849KedgeAI estimate $909,045 · range $885K$939K$977K

vs edgeAI estimate

−2.6%

$/sqft vs Winter Garden actives

$240 vs $261

Days on market

71 vs 40 typical

Where $240/sqft sits among the 400 Winter Garden actives

77
138 · this home
99
37
17
32
$178–221$221–264$264–308$308–351$351–394$394+

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 I

Map of 13978 LANYARD WAY inside its neighborhood boundary

Drive times from this address

Walt Disney World15 min
Universal Orlando30 min
Downtown Orlando35 min
Orlando Int’l Airport (MCO)41 min
Downtown Tampa73 min

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

Get to know Winter Garden. See the full Winter Garden guide →

Village I — neighborhood snapshot

Population

1,534

Median age

37

Median income

$130,745

Median home value

$496,000

Avg household

3

Households w/ children

225

For the school run

Orange County School District

ElementaryWater Spring Elementary★★★★★
HighHorizon High School★★★★
MiddleWater Spring Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Garden market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$585K$620K

Winter Garden median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

172 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 67% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →

Paper trail

This home's history

May 29, 2026Listed at $885,000 · 71 days on market since
2022Built · ENCORE/OVATION-PH 3

Reality check

What actually sold near 13978 LANYARD WAY

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

13996 LANYARD WAYSold · Sep ’25

$840,000

13996 LANYARD WAY

5 bd · 4 ba · 3,687 sqft · $228/sqft · 31 DOM

13214 DENDY WAYSold · Apr ’26

$850,000

13214 DENDY WAY

5 bd · 4.5 ba · 3,719 sqft · $229/sqft · 90 DOM

13208 DENDY WAY UNIT 3Sold · Nov ’25

$760,000

13208 DENDY WAY UNIT 3

5 bd · 4.5 ba · 3,719 sqft · $204/sqft · 43 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 13978 LANYARD WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13978 LANYARD WAY — before you fall in love.

See it in person

Schedule a tour

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Straight answers

13978 LANYARD WAY FAQs

What would the monthly payment be for 13978 LANYARD WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,588/mo — principal and interest, the actual property-tax bill, the $225/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 13978 LANYARD WAY?+

The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13978 LANYARD WAY?+

The most recent tax bill on record (2025) was $13,148. 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 13978 LANYARD WAY?+

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 $885,000, this home is listed about 51% above the Winter Garden median of $584,500. The market section on this page shows how the area is trending.

Which schools are assigned to 13978 LANYARD WAY?+

Water Spring Elementary (elementary), Horizon High School (high), Water Spring Middle School (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

$885,000 runs 67% above the WINTER GARDEN 34787 median — but at 3,687 sqft it's also 71% larger than the typical Winter Garden listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Water Spring Elementary, Horizon High School, Water Spring Middle School — Horizon High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Selby Turnbull. MLS #O6411513.

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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