1238 LAKE WHITNEY DRIVE, WINDERMERE, FL, 34786
Active33 days on marketListed Jun 30, 2026MLS #O6421211
About this home
1238 LAKE WHITNEY DRIVE
Stunning Lakefront Mediterranean Retreat on Lake Whitney! Discover this spacious, breathtaking lakefront home nestled along the banks of Lake Whitney. Enjoy spectacular views from your private dock, deck, boat lift, & open-air boathouse, perfect for water sports, lake-side entertaining, BBQs, & catching mesmerizing sunsets. Ski friendly Lake Whitney is a great spot for wakeboarding, jet skiing or water skiing. Designed for the ultimate lake lifestyle, this home features Tuscan-inspired landscaping, an infinity pool & spa, plus expansive outdoor entertaining areas. Host unforgettable gatherings with an outdoor grill & kitchen, patio dining, outdoor fireplace, & comfortable seating, all under a screened enclosure for year-round enjoyment. The gourmet kitchen is a chef’s dream, equipped with ultra-premium Viking appliances; including a double oven, dishwasher, gas cooktop, refrigerator, & wine cooler. Granite countertops, a spacious island, walk-in pantry, dual sinks, & open layout seamlessly connect to the living & dining areas. A full-size laundry room with front-loading washer and dryer, sink, & tall cabinets adds convenience. The ground level offers a formal dining room & an office/library with built-in shelving. The massive primary suite boasts stunning lakefront views, while the luxurious master bathroom features a walk-in closet, granite countertops, dual garden baths with massage jets, a sauna, and privacy toilet and bidet. Elegant French doors lead into a welcoming foyer, with soaring ceilings and a grand staircase leading upstairs. The 2nd floor includes 3 bedrooms, 3.5 bathrooms, & a versatile game room or theater with built-in entertainment & a microwave. Three bedrooms have private baths, & an elevated outdoor covered patio offers additional lake views with ceramic tile flooring. An oversized three-car garage with electric doors, double water heaters, & ample storage completes this exceptional home. Experience the charm of Tuscany combined with the luxury of lakefront living in Central Florida! Schedule your private tour today and make this dream home yours! Sold as-is, where-is. No Seller’s disclosures. Seller is making no warranties or representations of property condition. Room dimensions are approximate & should be independently verified. Proof of funds/pre-approval letter required with all offers. Buying party is responsible for verifying whether property condition will qualify for buyer’s specific loan program. If applicable, HOA or Condominium monthly dues may be subject to changes, special assessments & must be verified by buyer. Monthly dues often adjust on January 1st of each year. Some condominiums may also charge an initial “Capital Contribution” payable at closing. MLS information deemed reliable, but not guaranteed. Parties are advised to verify. The seller requires a 10 DOM holding period prior to entertaining any offers. *Per our seller, please ensure all potential buyers view the interior of the property prior to submitting offers. Agents must always accompany buyers during showings. Seller will not entertain sight-unseen offers. Please factor any repair estimates into the offer.* There's a 7-minute interior video walk-through available under Virtual Tour in MLS.
Facts & features
The home at a glance
4
Bedrooms
5.5
Bathrooms
5,515
Sqft
0.52 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$381
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.
$15,331 /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
$15,331/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.
$/sqft vs Windermere actives
$381 vs $342
Days on market
33 vs 32 typical
Where $381/sqft sits among the 240 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 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)
109 of 240
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 163% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 1238 LAKE WHITNEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$657,000
1369 GLENWICK DRIVE · same community
4 bd · 3 ba · 2,400 sqft · $274/sqft · 72 DOM
Sold · Jun ’26$2,550,000
11303 WINDERMERE ROAD
5 bd · 5 ba · 5,277 sqft · $483/sqft · 36 DOM
Sold · Apr ’26$1,675,000
11056 CLIPPER COURT
5 bd · 6 ba · 6,375 sqft · $263/sqft · 308 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 1238 LAKE WHITNEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1238 LAKE WHITNEY 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
1238 LAKE WHITNEY DRIVE FAQs
What would the monthly payment be for 1238 LAKE WHITNEY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,331/mo — principal and interest, the actual property-tax bill, the $203/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 1238 LAKE WHITNEY DRIVE?+
The association fee works out to $203 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1238 LAKE WHITNEY DRIVE?+
The most recent tax bill on record (2025) was $34,190. 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 1238 LAKE WHITNEY DRIVE?+
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 $2,099,900, this home is listed about 91% 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 1238 LAKE WHITNEY 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
$2,099,900 runs 163% above the WINDERMERE 34786 median — but at 5,515 sqft it's also 72% 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
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 JASON CRANE REAL ESTATE LLC · Jason Crane. MLS #O6421211.
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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