11544 WILLOW GARDENS DRIVE, WINDERMERE, FL, 34786
Active43 days on marketListed Jun 11, 2026MLS #O6412655
About this home
11544 WILLOW GARDENS DRIVE
Rare Waterfront Estate Opportunity in Windermere. Discover an exceptional opportunity to build your dream home on over 2.72 acres in the Willows at Lake Rhea community. This remarkable homesite offers approximately 150 feet of lake frontage and breathtaking water views from every angle. Enjoy the serenity of Lake Rhea in your backyard and a private pond in the front, creating a truly unique and picturesque setting. The property is enhanced by a 25-foot conservation buffer to the south, providing added privacy, while substantial brick privacy walls along the north and west boundaries further contribute to the estate-like atmosphere. Opportunities like this are seldom available—experience the setting in person to fully appreciate its beauty, privacy, and potential.
Facts & features
The home at a glance
2.71 ac
Lot size
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.
$6,510 /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
$6,510/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.
Where it sits
Inside Reserve At Belmere
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Reserve At Belmere — neighborhood snapshot
Population
748
Median age
46
Median income
$113,300
Median home value
$767,100
Avg household
3
Households w/ children
103
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)
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 11544 WILLOW GARDENS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,060,000
76 OAKDALE STREET
3 bd · 1.5 ba · 2,011 sqft · $527/sqft · 75 DOM
Sold · Jan ’26$1,160,000
2 OAKDALE STREET
3 bd · 2 ba · 2,152 sqft · $539/sqft · 3 DOM
Sold · Oct ’25$1,050,000
65 OAKDALE STREET
4 bd · 2 ba · 2,191 sqft · $479/sqft · 34 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 11544 WILLOW GARDENS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11544 WILLOW GARDENS DRIVE — 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
11544 WILLOW GARDENS DRIVE FAQs
What would the monthly payment be for 11544 WILLOW GARDENS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,510/mo — principal and interest, the actual property-tax bill, the $118/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 11544 WILLOW GARDENS DRIVE?+
The association fee works out to $118 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11544 WILLOW GARDENS DRIVE?+
The most recent tax bill on record (2025) was $5,538. 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 11544 WILLOW GARDENS DRIVE?+
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 $1,000,000, this home is listed about 9% below the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 11544 WILLOW GARDENS DRIVE?+
Lake Whitney Elementary (elementary), West Orange High (high), Sunridge 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
$1,000,000 runs 24% above the WINDERMERE 34786 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Lake Whitney Elementary, West Orange High, Sunridge Middle — Lake Whitney Elementary rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of JC FLORIDA REALTY LLC · Cheryl Rozanski. MLS #O6412655.
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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