David Ramirez
$2,500,0003 bd2 ba2,602 sqft$961 /sqft$15,651 /mo all-in ↓

10129 LONE TREE LANE, ORLANDO, FL, 32836

Active18 days on marketListed Jul 6, 2026MLS #O6421571

WaterfrontPrivate poolSingle Family ResidenceCYPRESS SHORES FIRST ADD

About this home

10129 LONE TREE LANE

Welcome to an exceptional lakefront opportunity on the highly sought-after Butler Chain of Lakes. A major recent value enhancement has transformed this property through a completed lot reconfiguration, adding approximately 14,500 square feet and creating a true 0.80-acre lakefront homesite with direct frontage on beautiful Lake Tibet. Nestled within the desirable Cypress Shores community, this custom-built 3-bedroom, 2-bath residence offers an exceptional blend of timeless craftsmanship, contemporary comfort, and an unparalleled waterfront lifestyle. Enjoy direct access from Lake Tibet through the connecting canal to Lake Sheen and the remaining lakes of the world-renowned Butler Chain. Inside, the home showcases remarkable custom millwork, extensive built-in cabinetry, rich hardwood finishes, and clean architectural lines. Vaulted and cathedral ceilings, skylights, and expansive windows fill the open-concept living and dining areas with natural light while framing picturesque lake views. The thoughtfully designed split-bedroom floor plan provides privacy for the spacious primary suite, complete with custom built-ins and a beautifully appointed en-suite bath. The kitchen combines elegance and functionality with stunning Grigio Carnico Italian marble countertops, soft-close custom cabinetry, stainless steel appliances, a Samsung touchscreen refrigerator, built-in microwave, and an under-counter wine cooler—perfect for everyday living and effortless entertaining. The adjoining family room offers breathtaking views of the professionally landscaped backyard and Lake Tibet, creating a warm and inviting space to relax while enjoying the tranquil waterfront setting. Both bathrooms are beautifully finished with Italian marble and custom stainless-steel fixtures, reflecting the exceptional quality and attention to detail found throughout the home. Step outside to your private outdoor oasis, where an expansive covered lanai overlooks the tranquil waterfront. The resort-style outdoor living area features a stunning infinity-edge pool, relaxing spa, and a fully equipped summer kitchen, creating the perfect setting for entertaining or enjoying spectacular sunsets over Lake Tibet. The newly expanded 0.80-acre lakefront homesite also offers exceptional potential for future expansion, including the possibility of enlarging the residence to approximately 5 bedrooms and 4 bathrooms, subject to buyer verification and applicable approvals. Additional features include an oversized two-car garage, mature professional landscaping, and no HOA. Located on one of Central Florida's most coveted lake chains, the Butler Chain offers more than 5,000 acres of interconnected waterways renowned for boating, water skiing, fishing, paddleboarding, and year-round recreation. Conveniently located just minutes from Bay Hill, Dr. Phillips' renowned Restaurant Row, championship golf courses, upscale shopping, Disney Springs, Disney Parks, Orlando International Airport, and Downtown Orlando. This is a rare opportunity to own a beautifully crafted home on an expanded lakefront homesite in one of Central Florida's most excepcional waterfront communities, offering exceptional lifestyle, long-term value, and endless possibilities.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,602

Sqft

0.78 ac

Lot size

2

Garage

1990

Year built

One

Levels

$961

Per sqft

Private poolWaterfront

Inside

FlooringPorcelain Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorOpen Floorplan · Primary Bedroom Main Floor · Thermostat
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBrick · Concrete · Stucco
FoundationSlab
FacesSouth
ExteriorGarden · Outdoor Grill · Outdoor Kitchen · Rain Gutters

Community & fees

Taxes (2025)$12,761/yr

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterCanal/Lake For Irrigation · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$15,651 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property tax — 2025 actual bill$1,063
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $250,000Loan30-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% · $250,000
Interest rate6.00%
Loan term

Estimated payment

$15,651/mo

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property taxes (actual bill)$1,063
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 $2.5M
$673KedgeAI estimate $874,943 · range $701K$1.1M$2.6M

vs edgeAI estimate

+185.7%

$/sqft vs Orlando actives

$961 vs $237

Days on market

18 vs 34 typical

Where $961/sqft sits among the 400 Orlando actives

253
120
13
8
2
4 · this home
$134–271$271–409$409–547$547–685$685–823$823+

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 Orlando

Map of 10129 LONE TREE LANE

Drive times from this address

Walt Disney World18 min
Universal Orlando22 min
Downtown Orlando28 min
Orlando Int’l Airport (MCO)33 min

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

Get to know Orlando. See the full Orlando guide →

ORLANDO 32836 — neighborhood snapshot

Population

24,648

Median age

39.3

Median income

$111,921

Median home value

$637,300

Avg household

2.72

Households w/ children

3,070

For the school run

Orange County School District

ElementaryCastleview Elementary★★★★★
MiddleHorizon West Middle★★★★
HighWindermere High★★★★

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

The numbers that matter

The Orlando market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$400K$405K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

149 of 400

Orlando actives have cut their price

Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 170% above the ORLANDO 32836 median. See the full Orlando market guide →

Paper trail

This home's history

Jul 6, 2026Listed at $2,500,000 · 18 days on market since
1990Built · CYPRESS SHORES FIRST ADD

Reality check

What actually sold near 10129 LONE TREE LANE

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

10121 LONE TREE LANESold · Oct ’25

$2,350,000

10121 LONE TREE LANE · same community

3 bd · 2 ba · 2,348 sqft · $1,001/sqft · 0 DOM

10216 TROUT ROADSold · Mar ’26

$775,000

10216 TROUT ROAD

4 bd · 3 ba · 2,594 sqft · $299/sqft · 101 DOM

8411 WOBURN COURTSold · Jun ’26

$1,100,000

8411 WOBURN COURT

4 bd · 3 ba · 2,582 sqft · $426/sqft · 72 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 10129 LONE TREE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10129 LONE TREE 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.

Goes straight to David’s phone and CRM.

Straight answers

10129 LONE TREE LANE FAQs

What would the monthly payment be for 10129 LONE TREE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,651/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 10129 LONE TREE LANE?+

The most recent tax bill on record (2025) was $12,761. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Orlando?+

At $2,500,000, this home is listed about 541% above the Orlando median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10129 LONE TREE LANE?+

Castleview 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

Three things that matter here

01Positioned at the premium end

$2,500,000 runs 170% above the ORLANDO 32836 median — but at 2,602 sqft it's also 65% larger than the typical Orlando 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

Castleview Elementary, Horizon West Middle, Windermere High — Horizon West Middle rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PRISTINE INTERNATIONAL REALTY LLC · Ursula Garcia Moraes. MLS #O6421571.

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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