13786 SUMMER HARBOR COURT, WINDERMERE, FL, 34786
Active56 days on marketListed Jun 8, 2026MLS #O6414239
About this home
13786 SUMMER HARBOR COURT
Virtually Staged. Why wait to build when the value of time to settle your family is now? You won't get this one wrong! Location, Location, Location. PLUS, Experience the magic of Disney from the comfort of your own home in this beautiful four-bedroom, two-and-a-half-bath residence located in the sought-after Summerport Trail community of Windermere. Perfectly positioned, this home offers a rare opportunity to enjoy nightly VIP views of Disney fireworks right from your front porch. Built in 2015 and offering 2,236 square feet, the home features a thoughtfully designed, open-concept layout with tile flooring throughout the main living areas. The spacious kitchen is a true centerpiece, complete with granite countertops, 42-inch wood cabinetry, a breakfast bar, pantry, full appliance package, and abundant prep space—seamlessly flowing into the dining area and expansive great room, ideal for entertaining. The main level also includes a convenient half bath and rear access to a two-car garage, privately situated along a well-lit alleyway, preserving the neighborhood’s charming streetscape, while offering secure and accessible parking. Upstairs accommodate the privacy of your four bedrooms with generously sized bedrooms including the primary suite featuring dual walk-in closets and a spa-like en-suite bath with dual vanities. A versatile loft provides the perfect setting for a media room or additional living space, while the upstairs laundry room adds everyday convenience. Residents of Summerport Trail enjoy easy access to a scenic, waterfront amenity center featuring a resort-style pool, fitness center, community gathering spaces plus a few short walking distance to your local grocery stores, restaurants and other amenities. Ideally located in a top-rated school district and just minutes from Disney, major highways (I-4 and 429), and additional shopping, dining options, healthcare, and entertainment. Perfect blend of comfort, convenience, and lifestyle.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,236
Sqft
0.1 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$280
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.
$4,469 /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
$4,469/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.
vs edgeAI estimate
+4.6%
$/sqft vs Windermere actives
$280 vs $345
Days on market
56 vs 32 typical
Where $280/sqft sits among the 239 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 Summerport Trails
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Summerport Trails — neighborhood snapshot
Population
103
Median age
30
Median income
$107,895
Median home value
$382,500
Avg household
3
Households w/ children
8%
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)
110 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 22% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13786 SUMMER HARBOR COURT
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$535,000
6830 MAPPERTON DRIVE
3 bd · 2.5 ba · 2,230 sqft · $240/sqft · 25 DOM
Sold · Sep ’25$565,000
6545 CHAGFORD LANE
3 bd · 2.5 ba · 2,265 sqft · $249/sqft · 0 DOM
Sold · Aug ’25$560,000
6539 CHAGFORD LANE
3 bd · 2.5 ba · 2,265 sqft · $247/sqft · 19 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 13786 SUMMER HARBOR COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13786 SUMMER HARBOR COURT — 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
13786 SUMMER HARBOR COURT FAQs
What would the monthly payment be for 13786 SUMMER HARBOR COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,469/mo — principal and interest, the actual property-tax bill, the $37/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 13786 SUMMER HARBOR COURT?+
The association fee works out to $37 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13786 SUMMER HARBOR COURT?+
The most recent tax bill on record (2025) was $7,986. 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 13786 SUMMER HARBOR COURT?+
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 $625,000, this home is listed about 43% 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 13786 SUMMER HARBOR COURT?+
Windermere High (high), Keenes Crossing 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
01Under the WINDERMERE 34786 market on paper
$625,000 is 22% below the WINDERMERE 34786 median of $798,750, and at $280/sqft it sits under the Windermere average of $447.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Windermere High, Keenes Crossing Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DEBORAH E GARSON PA · Deborah Garson. MLS #O6414239.
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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