13137 PENSHURST LANE, WINDERMERE, FL, 34786
Active24 days on marketListed Jul 1, 2026MLS #O6421270
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Upcoming open house
Sat, Jul 25
1:00 AM – 3:00 PM
About this home
13137 PENSHURST LANE
This charming 3/2 home in the heart of Windermere is sure to make you fall in love! The covered porch and walkway provide a serene entrance to the place you'll be proud to call home. Step inside and you'll find two cozy bedrooms with a bathroom in between, also conveniently located for guests. The hallway leads to a two car garage entrance and laundry room (equipped with newer GE washer and dryer) on the left and a large flex space on the right. This space, with bamboo floors, can serve as a formal living room and family room or a formal dining room and living room - the options are endless! Across from this space is the kitchen, which also has space next to it that can be used for dining or a home office. The kitchen has a GE cooktop with separate oven, two microwaves (one can be replaced with a hood), a new Samsung fridge (2025), and walk-in pantry. The master bathroom which is conveniently located off of the kitchen has a walk in closet (with a rotating shoe rack that holds 90+ pairs), extended shower, and separate toilet room. But wait, there's more! Enjoy a screened lanai that extends the width of the house, mango and avocado trees, easy access to the newest community center with pool, and a plethora of smart features! Other features you'll be excited about include a water softener system (2024) and privacy tints on all windows - which also helps with the Florida heat! Oh and did I mention that the sun rises in the front and sets in the back?! Fall sunsets on the covered lanai are a dream!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,948
Sqft
0.15 ac
Lot size
2
Garage
2007
Year built
One
Levels
$287
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.
$4,071 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,071/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+7.4%
$/sqft vs Windermere actives
$287 vs $348
Days on market
24 vs 32 typical
Where $287/sqft sits among the 246 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.
The investor lens
Two ways this home pays
This home sits inside Lakeside Village, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$35,741/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$3,100/mo median
Live Windermere rental listing data — this home’s rate depends on size, condition and furnishing.
The Windermere short-term market
▼ Softening37%
Occupancy
▼ 29% yr/yr
$218
Avg nightly rate
▼ 17% yr/yr
$16K/yr
Revenue per listing
$80
RevPAR
43 days
Booking lead time
5.2 nights
Avg stay
14
Typical min nights
19
Active rentals
▲ 5% supply
Seasonality — monthly occupancy
Peaks at 53% in Mar · bottoms at 28% in Jan
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Windermere — the projection above is specific to this home’s size.
Where it sits
Inside Lakeside Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Lakeside Village is a short-term-rental community. See the full guide →
Lakeside Village — neighborhood snapshot
Population
19,390
Median age
36
Median income
$123,605
Median home value
$489,452
Avg household
3
Households w/ children
2,897
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)
120 of 246
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13137 PENSHURST LANE
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$675,000
6990 SMITHSHIRE LANE · same community
4 bd · 3.5 ba · 2,986 sqft · $226/sqft · 6 DOM
Sold · Nov ’25$352,155
14008 LUMINOUS LANE UNIT 802
3 bd · 2.5 ba · 1,974 sqft · $178/sqft · 13 DOM
Sold · Dec ’25$475,000
8160 IRON MOUNTAIN TRAIL
3 bd · 2.5 ba · 2,009 sqft · $236/sqft · 201 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 13137 PENSHURST LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13137 PENSHURST LANE — 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
13137 PENSHURST LANE FAQs
What would the monthly payment be for 13137 PENSHURST LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,071/mo — principal and interest, the actual property-tax bill, the $80/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 13137 PENSHURST LANE?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13137 PENSHURST LANE?+
The most recent tax bill on record (2025) was $3,439. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 13137 PENSHURST LANE be rented short-term?+
Yes — this home sits inside Lakeside Village, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 13137 PENSHURST LANE?+
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 $560,000, this home is listed about 49% 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 13137 PENSHURST LANE?+
Bay Lake Elementary (elementary), Horizon West Middle (middle), Windermere High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINDERMERE 34786 market on paper
$560,000 is 30% below the WINDERMERE 34786 median of $799,000, and at $287/sqft it sits under the Windermere average of $447.
02Zoned for nightly rentals
Lakeside Village is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
04Strong assigned schools
Bay Lake Elementary, Horizon West Middle, Windermere High — Bay Lake Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MORRIS WILLIAMS REALTY · Jauquese Knowles. MLS #O6421270.
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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