10207 ATWATER BAY DRIVE, WINTER GARDEN, FL, 34787
Active31 days on marketListed Jul 6, 2026MLS #O6422706
About this home
10207 ATWATER BAY DRIVE
This exceptional home in the highly sought-after WATERLEIGH COMMUNITY OF HORIZON WEST offers a PRIVATE LAKEFRONT RETREAT with features you won\'t find anywhere else. A 445-FOOT PRIVATE DOCK winds through a wooded preserve, providing UNMATCHED PRIVACY and DIRECT ACCESS TO LAKE HICKORY NUT. Imagine enjoying NIGHTLY DISNEY FIREWORKS, STUNNING SUNRISES, BREATHTAKING SUNSETS, and ROCKET LAUNCHES-all from the comfort of your backyard! The outdoor oasis features a CUSTOM HEATED SALTWATER POOL, with footers ready for a future screened patio, making it perfect for year-round entertaining or relaxation. Inside, a GRAND STONE ARCHWAY welcomes you to an expansive floor plan with natural light pouring in through a TRIPLE SLIDER. Highlights include QUARTZ COUNTERTOPS, CUSTOM CLOSETS, an UPGRADED PANTRY, and a SCREENED BALCONY OFF THE MASTER BEDROOM with serene lake views. A CONVENIENT FIRST-FLOOR BEDROOM provides the ideal space for a private guest retreat, home office, or flexible living area. The 3-CAR TANDEM GARAGE offers ample storage for vehicles, water toys, and more.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,354
Sqft
0.78 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$222 /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
$222/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Winter Garden actives
$3 vs $261
Days on market
31 vs 38 typical
Where $3/sqft sits among the 400 Winter Garden 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 Hickory Hut
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Hickory Hut — neighborhood snapshot
Population
5,306
Median age
38
Median income
$152,813
Median home value
$545,824
Avg household
3
Households w/ children
664
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
172 of 400
Winter Garden actives have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 10207 ATWATER BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$755,000
10170 ATWATER BAY DRIVE · same community
4 bd · 3.5 ba · 3,267 sqft · $231/sqft · 22 DOM
Sold · Jun ’26$700,000
16760 HARPER COVE DRIVE · same community
4 bd · 3 ba · 2,909 sqft · $241/sqft · 6 DOM
Sold · Apr ’26$765,000
10241 MERRYMEETING BAY DRIVE · same community
5 bd · 4 ba · 2,840 sqft · $269/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 10207 ATWATER BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10207 ATWATER BAY 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
10207 ATWATER BAY DRIVE FAQs
What would the monthly payment be for 10207 ATWATER BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $222/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 10207 ATWATER BAY 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 Winter Garden?+
At $8,500, this home is listed about 99% below the Winter Garden median of $590,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10207 ATWATER BAY DRIVE?+
Water Spring Elementary (elementary), Horizon High School (high), Water Spring Middle School (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 WINTER GARDEN 34787 market on paper
$8,500 is 98% below the WINTER GARDEN 34787 median of $535,000, and at $3/sqft it sits under the Winter Garden average of $279.
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
Water Spring Elementary, Horizon High School, Water Spring Middle School — Horizon High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of THE FLORIDA LOUNGE REALTY LLC · Leo Martins Silva. MLS #O6422706.
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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